BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My Trans-Union Credit score was at XXXX onXX/XX/XXXX Five days later it was lowered 79 points to a Score of XXXX on XX/XX/XXXX. I call Trans-Union and told them that absolutely no changes, collections, or outstanding debts had been added to my credit history at all.

The Trans-Union Rep simply stated that it was most probably affected by several hard Credit inquires. I explained the last hard credit inquiry occurred inXX/XX/XXXX, and had no others. The Rep continuously tried to sell me my Credit Score, I told them over and over again that I already had it. They told me unless I purchased my Credit score from them they could not proceed further to help me. They lowered my score also before in XX/XX/XXXX as well. This time I have attached proof of their fraudulent reporting, and a comparison with XXXX during the same time period. I want my Credit score put back to XXXX I have no credit factors that Trans-Union can produce that justifies lowering my Credit score by 79 points in 5 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 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX Balance Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-05-10
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was reported 30 days late in XX/XX/2023 and this is not accurate. I paid my account twice to make sure I wasn't late. Please help me remove this. I have been a great client and no way I could be late. This must be a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection account from MBA Law showing a balance of XXXX $ owed showed up on my credit. I was never notified I owed the debt and never received notification I could dispute or make payments to the hospital. I had insurance at the time and it was an emergency visit. I thought it was covered. I called MBA law at XXXX XXXX  on XX/XX/2023 to inquire about the account. They didnt even have my correct name. When I asked why I wasnt notified or sent a letter to let me know I owed this debt prior to it showing up on my credit report she hung up on me. I dont have much money and I am struggling financially. This isnt the legal way for them to collect a debt that I am not aware of or sure I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Thursday I received a letter from BofA saying an attorney has filed a subpoena with BofA for records. This has to do with probate which my wife 's daughter caused to happen. I phoned BofA Thursday and Friday, XXXX and XXXX XXXX, and was put on Eternal Hold and never spoke to anyone. I tried to make an appointment online but every date I checked they said that date is not available, or they are having technical difficulties. How very convenient. I need to speak to a human being at BofA if such exists. I want a copy of that subpoena and I want to close all accounts. BofA is worse than useless, I should have closed all accounts long ago. I have no idea how BofA stays in business. Customer service is nonexistent.

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 2023-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a Wells Fargo credit card customer for XXXX years, with a consistent history of timely payments via autopay. Recently, I discovered that my autopay was canceled without my authorization. Upon contacting Wells Fargo, I was told that I had canceled the autopay, which is inaccurate ; I have never interrupted this service. 

Furthermore, when attempting to reinstate autopay, I was restricted from using my XXXX  XXXX XXXX account and was directed to use a Wells Fargo checking account instead. This restriction seems to be a deliberate tactic to coerce customers into using Wells Fargo as their primary banking institution. 

This issue has led to unjust late fees, as the cancellation of autopay was a result of a system error on Wells Fargo 's part, not any action of my own. I am now in the process of closing my accounts and taking my business elsewhere due to this unsatisfactory service and the financial inconvenience it has caused. 

I request a thorough investigation into this matter and appropriate remedial action, including the reversal of any wrongful fees and an assurance that such incidents will not recur.

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 2022-12-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've submitted three complaints with no response. the updated investigation is taking more than 30 days, I request that all three accounts be removed immediately following with a notice and update. please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For the past XXXX XXXX years, I have built my credit to XXXX with no late fees, established credit and below XXXX XXXX  utilization on all cards. 

After working hard to get my credit score in the XXXX 's Transunion dropped my credit to XXXX, dropping my scoreXXXX points for an items they claim dated back from XXXX. This item is not only old, but nothing new was added to this account causing this to be the issue. There were no other justifications to why each time I build my credit up, Transunion takes the points away stating it's from the past ( over XXXX years accounts ) affecting my credit score. 

No one from TransUnion can explain why I have the ability to build my credit score up, and keep building it up - only for Transunion to come and take the points away over and over again due to past accounts that are extremely old. 

Additionally, I am locked out of my Transunion account and told to wait 7-10 business days for the a mailed copy of my report. 

In the past XXXX  months alone Transunion dropped my score XXXX times, just because I used my credit card. I was not late, nor over the balance, or over utilization. I've called several times asking why each time I build my credit score up, why does Transunion drop my score so extreme with no answer. Transunion continues to drop my score, but never gives the actual reason for such a big drop. 

I can not sustain my finances with this consistently occurring. I am asking for a investigation into this as I feel I'm being discriminated against.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, have 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 also states a consumer reporting agency can not furnish an 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 2023-11-03
Company: EQUIFAX, INC.
State: NJ
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 trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX SVCS, XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX OF XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX BANK XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX OF XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-11-06
Company: EQUIFAX, 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:
I am writing to follow up on my recent dispute with an ID XXXX regarding unauthorized and inaccurate inquiry on my credit report that was submitted last XX/XX/2023 that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiry from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Diverse Funding Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon review of my recent credit report, I noticed a negative collections account reported by DNF Associates that I have no knowledge of. I have never received any correspondence via mail, phone or email to dispute any collection accounts. To resolve this matter, I sent a dispute letter to DNF Associates on XX/XX/2023, and over 30 days has passed with no response.By not replying in a timely manner to my initial letter on XX/XX/2023 DNF Associates have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. DNF Associates have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts. I would like this negative item removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account information incorrect

Complaint:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.

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 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have sent in multiple documents that was asked of me. Transunion keeps ignoring my request, experian will not remove old addresses asked of them and XXXX updating my information wrong.

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 2019-03-06
Company: World Acceptance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX called one of my references. And disclosed when my payment was due and the amount of my loan and payment. As I understand it all they can say to a reference is please have me call. Actually quoted the loan amount and that my payment of {$86.00} and that it was Due XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-01
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:
I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

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 2023-02-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an account with Chase/Amazon XXXX I called Amazon, I was having problems in using the XXXXXXXX. I called the phone # on the back of my Card to get help on bring me back on line ( watch movies ). The person to whom I spoked to at Amazon customer service attempted to what I thought was trying to back on line, was actually was working HACK my checking accounts. Shortly thereafter when checking with my banks I learned funds were withdrawn from both of ( two Checking account ). I called Amazon fraud dept. making them aware during the time I was on line with someone at Amazon, the rep. at the fraud dept at amazon said to me now worries the charges will drop off. 

The charges remained on both checking accounts, however I disputed the charges with the banks and I was successful in getting my monies back into my checking accounts. 

However mid XXXX 2022 I started to receive bills from my Chase account stating they had given me Provisional check during that period of time. I had no reason to request provisional credit since I had credit limit of {$7000.00}. Once I submit a dispute with FTC the harassment stopped for a few months. Now the statement started again. Now they are claiming that I owe them money they provided to me as a Line of Credit again that is not true. The company is now having me owe around {$1300.00}. 

What I'm afraid of now is that they will sell this account to a Debt collection company, and not only will I have to start explaining all over again but this will also effect my credit. You see I'm very familiar with Debt collection companies work, these companies like Chase/Amazon sales a group of clients to the collection agency for XXXX XXXX XXXX XXXX. You see I have worked Dispute analyst. These companies does not care because company 's like Chase does not care.

Company response to consumer: Closed with explanation