BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I had an account balance ofXXXX cents. At XXXXXXXX XXXX  I received a XXXX  payment from another person in the amount of {$40.00}, which showed my available account balance as {$40.00}. I then used my First National Bank card at XXXX  and then received another deposit of {$65.00} from XXXX. First National Bank charged me {$110.00} ( XXXX {$37.00} ) for XXXX  fees stating I didnt have enough funds in my account for the transactions. I called the bank and spoke with XXXX a supervisor from the XXXX XXXX, she stated her manager reviewed the case and they refunded one of the {$37.00} XXXX  fees but were not able to refund the other two XXXX  fees because my account was overdrawn for a transaction done on XX/XX/XXXX at XXXX XXXX  and a {$16.00} XXXX XXXX payment that I sent XX/XX/XXXX at XXXX XXXX. The manager advised me that all XXXX transactions made before XXXX XXXX  were available immediately and could not explain why I was charged the XXXX  but would not refund either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of Surprise Medical Billing. 
I was scheduled to have XXXX XXXX on XX/XX/XXXX. 
XXXX was performed and was successful. 

My first notice of payment owed was XX/XX/XXXX, stating that the account was overdue. 
The amount was {$1000.00} and I was completely surprised by this. 
I found out that the XXXX used in my XXXX XXXX XXXX XXXX XXXX XXXX 

I was never made aware of this fact before or after the XXXX nor did I ever give any authorization to use a Non Network provider. I received a Final Notice from XXXX XXXX on XX/XX/XXXX, prior to them sending this over to a collection agency. 
I contacted XXXX XXXX on XX/XX/XXXX and advised them that I was disputing this claim through my Health Insurance Company. 

I made a complaint to my health insurance company, XXXX from XXXX XXXX. 
They replied to my complaint on XX/XX/XXXX and did nothing other than verify this was a Non Network provider. 

I then received a collections notice from Professional Finance Company, stating I now owed {$1000.00}. I called this company and advised them that this Surprise Bill was under dispute and I was waiting to hear from a complaint I had made to CMS.GOV, confirmation # XXXX on XXXX XX/XX/XXXX. 

I have now made this complaint with you on XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
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:
This is 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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and Transunion report no late payments. Transunion reports 5 late payments. Transunion has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.

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 2021-08-18
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: Account information incorrect

Complaint:
I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: BARCLAYS BANK DELAWARE
State: TX
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:
BARCLAYS please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. You are also furnishing information to only XXXX which is also a violation. The balance being reported does not match any of the documentation I have for this account. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable. Not only is this account closed, but you are also reporting a balance trying to collect when it says that this account was sold. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account 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 explanation
Consumer complaint received 2023-03-06
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Companies involved : Great Lakes Borrower Services and Nelnet. 
XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. 

XX/XX/XXXX - With the XXXX loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. 
Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 
{$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 

The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. 

XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. 

XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to XXXX loan forgiveness plan and the supreme court ruling . 

I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with XXXX, Equifax and XXXX. I did not authorize these companies to run my credit. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: McCarthy, Burgess & Wolff, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 they called about a debt that is owed from XXXX.They said they represent them I told them I had no idea if the debit and can they send me a validation and in response they sent this letter that does not validate the debit nor states his account belongs to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-12
Company: WHEELS FINANCIAL GROUP, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX I was sick in the XXXX  and my family got kicked out of our home and had to find a new place within days and with myself hospitalized it was nearly impossible specially considering I had no income and currently wasn't working. I am a XXXX  mom of XXXX kids and no one would help me, I couldn't find a loan until I came across XXXX, I felt so rushed in having to fill out paperwork with a XXXX things going and not feeling good I just signed my name and didn't think twice about the interest rate because on the phone they said I would only encounter the normal fees for taking the loan out which they said was XXXX and the guy told me since my tax return was coming in I told him my plan would be to pay it off and he agreed and said yes you can pay off any amount on the loan even all .yet on XX/XX/XXXX I paid XXXX and only XXXX was applied to my loan and on the statement it does not show any interest they charged me and yet on XX/XX/XXXX I tried to pay XXXX thinking that my loan was for XXXX and was sent a statement in XXXX saying my balance was XXXX estimated before the first payment was paid on XX/XX/XXXX. But the website kept saying I've exceeded the monthly amount when I tried to pay XXXX so I kept lowering it until I got to XXXX which I paid and then got a statement with a new balance of XXXX so if it was XXXX prior and just paid XXXX that should be XXXX but it was XXXX again with no interest amount next to interest and nothing for any late days money collected XXXX. So how can they explain where this remaining amount went?? They couldn't when I called they said XXXX month that it went to interest for that month. How the heck can they legally charge me XXXX in XXXX month for interest? It made me cry because just in XXXX I went in and bought this car that they now have the title for and paid cash for it because I couldn't afford a car loan monthly. Then I found out their interest every year is XXXX percent and Washington has a cap on interest so how can they get away with robbing me. On the amount they want to collect from me is XXXX dollars on a XXXX loan, they mislead me on the phone and I feel like they took advantage of me for not knowing how any of that works not having done a loan before. Heard there was a lawsuit In California for same issue .what can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank - Store Card JCREW I had one monthly statement where I was 2 days late in making my payment for a purchase amount of {$14.00} which was paid in full back in XX/XX/XXXX. I had requested for a grace period reversal of a late fee and the bank refused. Since then the bank had continuously charged me monthly late fee and interest which have now accumulated to {$200.00} as of XX/XX/XXXX. I have also made a dispute to the bank of these charges. 

At this point, the bank is totally taking advantage of continuously charging me this late fee and interest while the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
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:
Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are wrongly reported 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 2023-01-07
Company: Essential Lending 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 applied for a loan at Wiseloan in the amount of XXXX I have paid them twice. in the amount of XXXX each .... I did not realize they were charging me over XXXX for XXXX. XXXX This is more than 3 times the amount I borrowed which I feel is ridiculous. 
My major complaint is I feel this company is taking advantage of consumers like myself that did not notice we would be charged that much more than what I borrowed. 
I feel that it is very unfair and when you can't pay those large amounts, they threaten to place the balance owed on my credit ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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