BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXXXXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXXXXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXXXXXX XXXX XXXX - XXXX XXXX Bank - XXXX LATE PAYMENTS XXXX XXXX Late Payments 30 day XXXX 60 day - XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
See attachments Round Point Mortgage con - pressure me under duress to signed fraudulent loan modification agreement that was connected with a fraudulent new conventional mortgage Loan that Round Point mortgage Had already taken out without my knowledge in XX/XX/14 it was refinance from a FHA mortgage loan to a Conventional mortgage loan thats where the mortgage fraud also took place along with filing a fraudulent assignment of note benefits claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My capital one account was close and I payed the balance to a XXXX balance. Now I have a balance on the account that I had no knowledge of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX disputed inaccurate reporting of an item not mine. XX/XX/XXXX credit bureau resolved dispute. Removed negative impact from my credit report. 79 days later same credit reinstated the same negative impact without notice and justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After being activated with the Florida XXXX XXXX XXXX in response to the COVID-19 pandemic I saw a 50 % decrease in income while also going through a divorce. I filed for relief under the CARES ACT. 
- On XX/XX/XXXX, I signed the enclosed modification agreement for a partial claim with the VA. Payments were due to resume the following month, on XX/XX/XXXX. This is the second time modification paperwork was filed ; the first dates to XXXX of the previous year. The first modification did not get approved by the VA because Wells Fargo had the wrong address, but still recorded it with the county. Through several calls and hours of personal time taken to call Wells Fargo asking if/when it was safe to resume payments, I contacted the VA to gather additional information. This is where I learned that the original XXXX paperwork still needs to be filed with the state, never approved/signed off by the VA. Our house had gone up for sale as my soon-to-be ex and I agreed to sell the home tied to this loan as part of our divorce process. The house sold and was closed on quickly ( XX/XX/XXXX ), On XX/XX/XXXX, the enclosed payoff letter was obtained through Wells Fargo. The mortgage portion of the payoff due to Wells Fargo was {$250000.00}. That, plus the amount due to pay off the VA partial claim, totaled {$260000.00} to pay off all liens on the property. The closing took place on XX/XX/XXXX. The total payoff was wired to Wells Fargo on XX/XX/XXXX, and the loan reflected as PAID IN FULL. All of this leads to the reason for the complaint. I went under contract to purchase a new home. I had obtained pre-approval before the account was reported as paid to the credit bureaus. My loan officer told me that once Wells Fargo zeroed out with the bureaus, shed update the credit to reflect the account being paid in full. On XX/XX/XXXX, my credit was updated, and the mortgage with Wells Fargo showed a late marker that varied with each bureau. XXXX reported the MOP code XXXX, 180 days or more past due for XXXX. XXXX reported the MOP code XXXX, account is at least 120 days overdue but is not yet rated XXXX. XXXX reported the MOP code XXXX, 120 days or more past the due date. This has now disqualified me from my mortgage and jeopardized my deposit. The VA partial claim information on the VAs website said that the partial claim has no impact on my credit. 

XXXX XXXX XXXX the wrong address on the first Modification paperwork, but still recorded the lien on behalf of the VA XXXX without the approval of the VA XXXX 
XXXX XXXX XXXX not remove the erroneous lien after discovering the error. They have now, but after countless hours and calls from me. 
XXXX XXXX XXXX XXXX & XX/XX/XXXX late when the home closed on XX/XX/XXXX, and were paid in full XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am XXXX years old. 

In XXXX, XXXX and XXXX, 2023, my Citicard was charged for services I did not order. The charges were XXXX a month from XXXX XXXX. 

I called Citicard to let them know I did not authorize these charges. Citibank temporarily removed the charges from my account pending their investigation. As Citicardwas taking so long to investigate, I called them a second time and told them the charges were a result of fraud. 

The latest bill from Citicard added the XXXX XXXX charges back to my card because they verified the charges. I have no idea how they got in touch with XXXX XXXX because there was no way for me to contact XXXX XXXX. 

I will be cancelling my Citicard, but in the meantime, I have paid Citicard {$200.00} for fraudulent charges. I will not do business with Citibank again, but I doubt the bank cares.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I was scammed on XXXX I answered a prize puzzle correctly and supposedly won {$4000.00} but I had to invest in bitcoin and pay the service fees to win the {$4000.00} I paid {$210.00} and then {$320.00} and a friend told me it was a scam so that I let my bank TD Bank know I followed through with their instructions and they credited me on XX/XX/XXXX the amount I was scammed but then on XX/XX/XXXX my bank TD Bank reversed my credit they issued me on XX/XX/XXXX and I am a XXXX XXXX XXXX  and I was advised to complain about TD Bank reversing the credit because they credited me then took it back and I am told to make a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have two target red cards, a debit card & a credit card. At this time I always just used my debit target red, because it come straight out of my bank account and I still receive the 5 % off all purchases. I purchased a {$7.00} sweatshirt with the target app. And Im not sure if there was an update to the app that switch it over to my credit red card, but the purchase went to the credit red card instead of the debit red card. I hadnt used my credit target red card in forever, so I to my knowledge I had no balance on the credit card. So 4 months later I checked my FICO score on my XXXX app and my credit score dropped from an XXXX to the low 600s. I paid the {$7.00} + {$3.00} in late fees to target, but I cant get this mistake off my report. And Ive been trying to get my credit score back, but after 2 and half, 3 years My score is XXXX. Im so frustrated bc I definitely had {$7.00}, but I had no idea it was on the credit target red card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.Credit Score:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX XXXX. 

This account was in use at an old apartment of mine from XXXX of XXXX to XXXX of XXXX. In this apartment, I became financially incapable of making payments due to a year of unemployment and eventually running out of the benefits. I turned to a program the city of XXXX offered to assist me with this bill but did not receive the aid. As a result, there was a remaining balance on the account which was sold to a collection agency. 

I provided a detailed letter explaining my circumstantial set backs to the collection agency, Torres Credit. I also requested that the company remove this collection report from all three credit bureaus reports. 

A representative reached out via phone requesting that I pay {$150.00} in order for them to remove the collection from all three credit bureaus. I explained to the representative that I am financially incapable of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On XX/XX/XXXX Capital One Bank USA made a hard inquiry to my credit report without my consents, and without my permission. Someone from XXXX California used my SSN information applied for a Capital One credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with Capital One happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX and Transunion still shows an outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance : {$420.00}, If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation