BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2020-03-20
Company: Lending Club Corp
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I think I am being overcharged in interest rates. I was not aware of this occurrence until today after unsuccessfully trying to reach the company on an open phone line for over an hour I decided it was time to search help from other sources. 

Payment History Due Date Posting Date Amount Principal Interest Late Fees Principal Balance Payment Status XX/XX/XXXX XX/XX/XXXX {$1000.00} {$590.00} {$470.00} {$17000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$580.00} {$490.00} {$18000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$560.00} {$500.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$550.00} {$520.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$540.00} {$530.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$520.00} {$540.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$510.00} {$560.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$500.00} {$570.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$480.00} {$580.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$590.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$460.00} {$610.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$450.00} {$620.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$440.00} {$630.00} {$24000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$420.00} {$640.00} {$24000.00} Completed - on time Loan # XXXX Loan Progress On track Remaining principal balance {$17000.00} 22 payments to go Next payment {$1000.00} Scheduled onXXXX XXXX Autopay is on Upcoming Payments XX/XX/XXXX Friday {$1000.00} XXXX  XXXX Monday {$1000.00} XX/XX/XXXX Wednesday {$1000.00} XX/XX/XXXX Saturday {$1000.00} Make an extra payment Payment Due Date XXXX Youre paying on the XXXX of each month Change due date Loan Documents View loan documents and agreements from your application on XX/XX/XXXX See loan documents Payment History XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed See full history Loan Terms Original loan amount : {$25000.00} Loan term : 36 months Interest rate : 30.99 % APR : 35.89 % Bank Account XXXX  Account number : XXXX Go to bank account settings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit bureau reporting a fraudulent account in my report. 

XXXX XXXX credit card account number XXXX The account does not belong to me and my info was stolen at time account was opened. I have filed a police report for the identity theft and attached to this complaint!

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 2023-09-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check to my checking account that was from an accident that I had. When I deposited the check XX/XX/2023, the bank restricted my account and I could not access funds that were already in there until the check cleared. The check cleared on XX/XX/2023. But my account is still being restricted, I can not access my funds and the check funds or use my debit card. They said they needed to contact the insurance regarding the check. I gave them a phone number and they said that it wouldn't work and that they would not unrestrict my funds even thought he check has already cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
See CFPB Complaint # XXXX which CFPB closed upon SUPPOSEDLY receiving a response from U.S.Bank. CFPB informed me that U.S.Bank responded on XX/XX/2023. XXXX  is XX/XX/XXXX, and I have yet to receive a response, either written or by phone. Having not received the response by XX/XX/XXXX, I phoned the U.S.Bank phone number ( XXXX ) which CFPB provided. Having to leave a voicemail for a return call, I learned that the phone number belongs to U.S.Bank employee XXXX XXXX. She did NOT call back so I called again a few days later, and I still did not receive a call back. Apparently both XXXX and CFPB have been ignored. The problem which initiated the complaint has yet to be resolved.

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 2017-12-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have called twice to XXXXXXXX XXXX requesting an explanation and a copy of the transcript of how I was authorized a credit card without my approval. Because of XXXX authorizing a balance transfer without my approval, my credit score took a significant hit due to 100 % utilization on the new card. I was made aware of the negative impact to my credit score, to my surprise, when I applied for a loan for a new property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I was going through a bad XXXX  and was unable to receive any mail for a debt that this credit company said I owed, they ended up suing me and I didnt even know about it, I contacted the landlord/property management and they refused to give me any info. I couldnt afford a attorney to research it and now 7 years later they are trying to garnish my paycheck for double the amount they were originally suing me for, again I have not received any letter or info before garnishing me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had received a refund from my vet in the amount of {$730.00}. Since I was not carrying any cards, I got the refund on XXXX XXXX to my Cash debit card. I have done so before and have never had an issue. 

Since the transaction was made on XX/XX/2022 and I still did not receive a refund, i complained to the merchant that showed their bank has sent the money back to my cash card. 

I contacted cash customer service. The first level customer service was not aware of how card refunds worked and told me I would get a direct deposit and they dont see it. I tried to explain to them that the refund was made on the XXXX XXXX to my card but they refused to help or escalate. They told me they will not help trace the funds or escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Certificate of Deposit Account at Popular Bank website on XX/XX/2023 during a promotion. The online application was completed and a confirmation number was received instantly. I began the funding process and the initial fund was withdrawn from my external account into the new CD from an external account within days. I went back to Popular Bank online banking a couple of days after and I realized that I couldnt login to online banking so I called popular bank customer service; I was instructed by the popular bank customer service representative that the external funding account needed to be verified by popular bank that I need to show proof that I owned the external funding account. Within 2 days, the account verification was resolved. I was able to log on to my CD and I saw the initial fund displayed in the CD account via online banking. On XX/XX/2023, I logged on to the Popular Bank online banking and I witnessed the earned interest deposited into the account for the first month. On XX/XX/2023, I tried to log on to my online banking and I realized I was locked out again. I called Popular Bank Customer service and I was informed that my CD has been closed because the account process was NOT completed. I was informed that my signature was NOT received on file. This is infuriating. I was told that the initial fund would be refunded to the funding account. The interest earned for the 45 days duration in the CD would NOT go back to me because the account process was NOT completed. I filed a complaint to the bank on the same call. I received a complaint corresponding letter in the mail today stating that the earned interest is not applicable to me because the account was not completed my opened. I believe this is FRAUD! The account was opened online as a 13 month CD and I received the confirmation number confirming the account was opened. The fund was deposited and interest was earned. The account was verified afterward via a phone call. I logged onto the account multiple times since it was opened and nowhere on the account has any alerts indicating a signature is required nor an closure alert is pending. They kept my money for 45 days and wanted to not pay any interest earned. This is FRAUD. Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Mortgage Research Center, LLC
State: GA
Product: Credit reporting 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:
I filed a report with the FTC. This took place XX/XX/22 and i did not give authorization according to 15 U.S. Code 1681b ( permissible purpose ) for my credit information to be furnished.

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 2023-10-02
Company: EQUIFAX, INC.
State: FL
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED a. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXXthere were two hard credit inquiries. 
One for XXXX XXXX One Another for a XXXX card. 
That was not me I lost my social and Id about a month ago I didnt put a freeze on my crediybecause I figured I would find them.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear XXXX, XXXX, TransUnion I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 2021-09-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had my car repossessed by Wells Fargo illegally in 2008. 2 years ago I received notice of the CPI settlement, and by the terms I am entitled to around $ XXXX. They have refused to communicate with me for almost 2 years now. When I call I get passed around, placed on hold forever, or hung up on. I have been told they cant find my account yet I just received a {$24.00} check for overpayment of repo fees from 2008. If they can audit something from 13 years ago then they have my account info and are just refusing to pay what they were required to by the CPI settlement.

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 2023-12-09
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX XXXX XXXX loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report. There are multiple names and variations of names on the report. only 1 of the names is my legal name.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-03-20
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from an unknown caller, " XXXX XXXX '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the sheriff to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried contacting them on XX/XX/XXXX to pay this in order to get it deleted from my credit. They refused so I called the originator of the debt and that was when I found out that they returned this debt to the originator in XXXX as uncollectable, yet they are still reporting it on my credit report when they do not own the debt. This is why they couldnt delete it, because they do not own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitting this to you serves as a follow-up to ensure the expeditious removal of specific items, particularly the outstanding inquiry, from my XXXX credit report. Enclosed in this follow-up complaint is my FTC Report XXXX XXXX. Kindly review the outlined items for removal in each bureau : 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 explanation