BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate information on my credit report

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 2023-08-16
Company: CITIBANK, N.A.
State: AL
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: Overcharged for something you did purchase with the card

Complaint:
On or around XXXX of 2023 I paid XXXX dollars to this company after I had paid them out in full a few months earlier. I was shocked to see that I was being charged the XXXX dollars because I had not used the credit card since long before I paid it off. I later found out that this card had been attached to my XXXX account somehow. I immediately removed it from the account and I was so upset about it that I decided to pay them in full and never use the card again. Until this day I have not used the card, but they're saying that I owe them more money. I asked them to give me some transactions of what I had made. He said they were for XXXX. I had no transactions on my XXXX account showing anything relating to that card.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccuracies on my credit report

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 2020-07-06
Company: Experian Information Solutions Inc.
State: CA
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:
Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.

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 2023-05-26
Company: Alorica Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am entering XXXX XXXX with the XXXX XXXX XXXX on XX/XX/2023. I send my request to XXXX and XXXX XXXX my SCRA notification on XX/XX/2023 and received no response. I also sent the SCRA request via email and still received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a auto loan with Capital One Auto. From the beginning of this loan, I have been trying to get the payment to coincide with my pay day since I am on XXXX. I have never been able to work anything out with the company regarding this and thus significant late fees have accrued. I am couple of months behind on the loan and am not saying that some late fees are warranted, however, I do feel that {$1000.00} in late fees is excessive. I am willing to pay off the loan but I am not willing to pay it off with all of these late fees and have gotten no where with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by TRANSUNION. I've tried countless times in the private via certified mail to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document. 

This is my second attempt see complaint # XXXX for reference

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 2021-05-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was bought by Mr. Cooper mortgage in 2021. 
Below is the sequence of events that leads me to belive they are incapable of fixing the problem themselves and I need legal assistance to resolve this issue : I received a letter stating that I didn't have current insurance and they were going to open a policy in my name and address for {$1600.00}. They said my homeowners insurance needed to be updated cause it was expired in XXXX 2021. This is false, I have had the same XXXX XXXX plan for 3 years and it needs to be renewed every XXXX. I immediately called Mr Cooper and provided the documents necessary to prove I had insurance with the email address they provided me. 

Three days later they bought a policy for {$1600.00} without my consent. I EVEN TOLD THEM THEY DO NOT HAVE LEGAL PERMISSION TO MESS WITH MY MONEY/ESCROW!

I called again and provided the documents again to show i have current coverage. Mr. Cooper even three way called my insurance company with me on the phone to confirm everything was in place. The woman with Mr Cooper apologized and said my account would be credited to my account- it has been 2 weeks and it has not been credited. 

THEY ARE TERRIBLE AND SHOULD BE AUDITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In the year of XX/XX/2012 I beleive, I was granted a credit card with XXXX XXXX. The last 4 of the card I am speaking of are XXXX. I spoke with them and they told me that XXXX years ago I asked for a cash advance of which I may have. I honestly don't remember XXXX years ago. My account with this card has been closed for a couple years now ( not really sure how long ) but I have made my regular mothly payment. I then found that roughly half of what I was paying was going to pay interest on a cash advance from XXXX years ago, mind you the account has been closed for some time now. Right now my balance stands at {$470.00}. I am making the monthly payment but started wondering why my balance never seems to go down. Now I know why. They are charging me anywhere from $ XXXX-XXXX a monthjust on the interest. In XX/XX/XXXX of this year they charged me {$11.00}, interest. So for the last XXXX   years I have made payments of just interest of {$560.00}. That is more than I owe on the card. When speaking with them they told me the best they can do is to reverse XXXX months interest charge. I asked if they can reverse XXXX, why not all or something to help me out. They were totally unsympathetic. I own my own home and just went through a divorce, and I make adecent wage, but thanks to my ex-husband my mortgage is behind roughly {$9000.00} dollars. I was on a forbearance modification plan for XXXX months ( which ended in XX/XX/XXXX of this year ) paying a reduced cost. I am now in the midst of trying to get another modification so I don't lose my home. MKy mortgage payment was {$1700.00}, then after the forbearance mod it has jumped to {$1800.00} So along with all my other bills ( and I have no credit cards ) I do not need the added stress of trying to make a payment of which morally should be considered paid. Help and 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 monetary relief
Consumer complaint received 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Years ago I remember when credit card interest was deductible from your income taxes. But that was when interest rates for credit cards was at 5, 6, 7 %. Now that the interest rates are at 15 % to 25 % the government seems to have no interest in managing it. If the government really wanted to help people who are really living from paycheck to paycheck then they would bring interest rates down on these credit cards. Low income people are the first to use credit cards to make ends meet and to give their families an improved way of life. Yeah the interest can again be tax-deductible. Our government loves businesses but really doesnt like people. It loves developers because they give developers free access to our properties so that they can build multiple dwellings on single-family neighborhoods.Affordability is not something that is even being considered and neither is the quality of life for the community. They are just getting money to pay for their elections so that they can keep their jobs and all the perks that go along with them. THIS should be against the law.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate because I did not give permission for neither of the companies to gain access to my credit profile. I asked for the creditors and also the credit bureau to furnish documentation and none of the documentation was shown to me. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate or there can be a penalty of XXXX $ for every inconsistency being reported that is making it hard for me to be productive in society due to the lack of properly investigating the matter. 
Inquiries : 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
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Reporting Agency ( CRA ) is in direct violation of FCRA, FDCPA, Frank Dodd Act and Metro 2 Compliance.

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 2019-09-17
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare aquired my loan and from the beginning they said that my aut payments would not change but that was a lie. They cancelled my auto pay without a call or letter, I called them they said my auto pay was voided and now I am behind. So I started sending checks, then XXXX they out of the blue cashed the check as well as took an auto payment that they said they cancelled. I called them and they said they do not see an auto payment, but I have proof from my bank.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is a follow up to the previous Complaint I recently sent to request the removal of the unauthorized inquiries reporting on my Credit File. Upon reviewing my records, I have come across several inquiries that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I respectfully request that the following inquiries be immediately removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that any unauthorized and unfamiliar inquiries and information are promptly removed from my credit file.

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Today marks 31 days that i filed a dispute and i haven '' t received any information and their not complying with their own policies in a timely matter which is 30 days.

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 2020-02-22
Company: EQUIFAX, INC.
State: CA
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 requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate me a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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