BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-02-21
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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00} The address listed is not my current address, and This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

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 2018-04-26
Company: Riverwalk Financial Corporation
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: Account status incorrect

Complaint:
XXXX XXXX XXXX opened a new collection account in XX/XX/XXXX after I gave them XX/XX/XXXX bankruptcy information, by phone when they called my employer, in XX/XX/XXXX. This account was collection for an account included in XX/XX/XXXXbankruptcy. This account should be DELETED as a post-bankruptcy collection has significantly affected my credit score. I sent an email to the XXXX  on XX/XX/XXXX. I sent a fax to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX. Representative XXXX put me on hold then disconnected me. On XX/XX/XXXX, I again called XXXX and was transferred to the voicemail of an unknown person. I left a message. I have yet to receive a response from XXXX. I am attempting to refinance my auto loan and this incorrect collection account has caused a significant delay. Post-bankruptcy collection is definitely a negative impact and a violation of Federal Bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: AL
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:
File dispute with Experian XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. XXXX for item was deem cash payment within 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX AccountXXXXhas violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( XXXX ). 


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.

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 2021-01-06
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
U.S. Bank Mastercard offered a cell phone 'theft ' insurance if my cell phone bills are set to 'Auto Pay '. 
I filed a theft claim on XX/XX/2020 online and uploaded all required documents, received an email acknowledging the claim ( XXXX ) and it said they will contact me within 7 business days if additional information is needed.

It has been 0ver 7 business days and I have not received any correspondence from them. I called and asked to give status, the representative said they are waiting for the documents from me. I told her all documents were uploaded when claim was filed on XX/XX/2020 and asked if documents were needed, why didn't they send any email and ask for it. The representative initially said that an email was sent to me asking for documents but, when I argued with her, she stepped back and said they will send email sometimes this month. 

There is a pattern of this behavior and I had the exact same issue back in XXXX/XX/XX/2020 on another 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 2020-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to get Equifax to unlock my credit for the last 3 and a half weeks when I realized it wouldnt unlock through their lock and alert app. I called them up and they told me it was a system wide issue and would be resolved within 24 hours. The next day I tried to unlock my credit and got a message error XXXX to call them. I was then told that they were going to manually unlock my credit report and it would be unlocked within 60 minutes. I have been calling them every day since. One person told me I needed to send in a copy of my license and social security card which I did 2 weeks ago and have a fax confirmation showing they received it. I have been calling them every day only to be hung up on and endlessly transferred wasting hours of my time. They keep telling me the escalated it to the proper department. Nobody at Equifax can tell me when my credit is going to be unlock. I need my report unlocked so my mortgage company can pull my credit and my loan can close. I was supposed to close last week. My rate lock expired and now I am paying XXXX higher because of this. I need my credit report unlocked immediately. I have verified everything and passed all of their identity verifications. Equifax has the worst customer service and could care less about helping me get the issue resolved. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF ED/XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

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 2022-10-11
Company: Incomm Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought XXXX cards in early XX/XX/2022. They were unopened and unused until XX/XX/XXXX. That day I checked the balance on vanillagift.com as instructed. It showed XXXX cards, each with a full balance of {$50.00}. 2 days later the cards were rejected. When I got back from vacation, I contacted the company and they verified that the cards had been drained at XXXX the night I checked the balance on their site ( XX/XX/XXXX ). One card had XXXX - {$0.00} charges and was drained in 1 minute. The other had a few other amounts. It was mostly drained over XXXX XXXX min periods. All charges were to " XXXX ''. Obviously these were not legitimate charges as there is no way to make XXXX transactions in under a minute. They locked both cards so I have never had access to XXXX of the {$50.00} cards. I had to wait for them to send copies of the charges and I submitted the dispute packet XX/XX/2022. I have contacted them by email. No response. I have called and they keep telling me XXXX days " to review ''. 
They have no intention of giving me back my {$100.00}. The cards were good until I went to their page. Once drained from their page, they locked the cards so I didn't even have access to the balance. Vanilla pre-paid visas are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I believe I was misled when I opened a Capital One charge card. I was told when I opened the account in XX/XX/XXXX that it was interest and no fees for 2 years. I noticed today XX/XX/XXXX that I have been charged interest for the last 3 months for a total of {$82.00}. When I called to complain I was told the interest free time period was only for 9 months. Which meant it ended in XXXX but I wasn't charged interest in XXXX or XXXX so something is very wrong. Because of this and not getting any satisfaction I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan with XXXX XXXX XXXX  in XX/XX/XXXX. I have always made my payments. I lost my job recently. In XX/XX/XXXX, i receive a text saying they were going to issue a warrant for my arrest because i had not made my payment. At this time, im not past due. It matured XX/XX/XXXX. Well, XXXX   said i could not extend the lian and i had to pay up, or go to jail and taking truck. I didnt have enough money and im still trying ti come up with my pay off which is {$1400.00} give or take. My loan has bot reduced at all in the past two years of payments. Also, i was looking at the contract and it is illegal. It states the percentage is 12.5 and annual percentage rate is 152.08 % APR. That is over the mandated 12.5 % enforced by Ga. law. Georgia law states there is a cap on all pawn transactions in the state of Ga., not to exceed 12.5 % after the third extention. That is 12.6 % according to my calculations. Also, the threats with warrants, i do believe is illegal. They have strong armed me and have taken my vehicle and selling it because i xant pay what they say is due. I dont know what to do and i feel violated. The contract is not legal in the state of Georgia and i would think that makes my pawn transaction null and void according to Ga. law and they forfeit any interest due and have to give me my title, correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has been a hassle to me since 2015. They have reported incorrect things on my credit reports regarding payments being paid on time, and reported as late. Also the balance is not reflecting correctly. 

Other than information report on my credit files, my past 10 or so payment have completely went towards interest, including my most recent that was paid on time. 

I am wondering how they put repossession fees that I wasn't aware of at the end of my term. This is the second time that this has happened. They told me the repossession fee was {$300.00} and was included with what I had to pay to get my vehicle back. 

Please see documentation attached. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I became a victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. I do not know how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2022-12-17
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-02-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am writing this complaint that not only is PayPal violating the law and XXXX rules and regulations in regards to PROVISIONAL CREDITS they are also prohibiting me from accepting money that customers are trying to send to me. Please see a photo screen shot for the evidence of this allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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 second 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

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