BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was offered an XXXX XXXX XXXX by XXXXXXXX XXXX  in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXXXXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INVESTIGATE THESE ACCOUNTS 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 2020-06-10
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  XXXX  ( XXXX ) IS NOT CONSIDERING MY MORTGAGE AS A ( VA HOME LOAN ) ACCORDING TO ESCROW PAYMENTS STILL ADDED ON ME AND MY MORTGAGE PAYMENT. AND, I AM ALSO A TAX-EXEMPTION. PERSONAL EXEMPTION # XXXX. I AM XXXX XXXX XXXX XXXX XXXX VETERAN. I MENTION TO THEM. AS WELL I PROVIDED ALL AND EVERYTHING TO THEM DURING MY VA HOME LOAN PROCESSING IN XX/XX/XXXX. AND WE MOVE IN OUR HOME IN XX/XX/XXXX FINALLY. WE FEEL DEFRAUD BY THE ESCROW PAYMENT DEAL. BECAUSE, THEY ARE NOT CONSIDERING MY VA XXXX, AND EVEN SENIOR. XXXX YEARS OLD VETERAN CITIZEN. NO DISCOUNT AS WELL. THANK YOU FOR YOUR INTEGRITY SERVICES FOR US SENIORS AND U.S. CITIZENS OF THE AMERICA. GOD BLESS ( CFPB ) FOR YOUR HONESTY SERVICES FOR OUR COUNTRYAND THE PEOPLE. 

SEMPER -- FIDELIS .... 
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 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Woke up this morning ( XX/XX/23 ) at XXXX, have XXXX emails from XXXX stating that a Bank of America account was opened in my email. 

First email says to verify email address, second says welcome to online and mobile banking, and the third says unable to open account online.

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 2022-03-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR
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:
Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in XXXX in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
[ See attached documents! ] I disputed XXXX XXXXXXXX and XXXX XXXX XXXX multiple times with Transunion. I have submitted an FTC report and any supporting documents needed. Each time they have indicated the accounts were verified however, I never received an original contract with my signature from the bureau or the company reporting my information. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please block and remove the accounts listed in my FTC 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 2022-03-09
Company: EQUIFAX, INC.
State: GA
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:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed there was a negative listing on my XXXX XXXX credit report Portfolio Recovery showing a XXXX XXXX as creditor. I do not have a XXXX XXXX account. So I wrote a letter on XX/XX/2018 requesting validation of debt. What the money was owed for ; Explain and show me how the debt was calculated ; Provide copies of any papers I signed agreeing to pay what they said I owed ; Identify the original creditor ; show me they were licensed to collect in my state ; and provides me with their license numbers and Register Agent. I received a form letter dated XX/XX/2018 and a credit card bill from XXXX XXXX. I do not know when or what was purchased or who did the purchase from the information I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted my third dispute recently on XX/XX/XXXX with Transunion regarding XXXX XXXX XXXX. I informed them the account is reporting inaccurate information and I am a victim of identity theft. They have stated the account was verified however, I never received proof of this verification from Transunion or the creditor. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please follow the federal law and block and remove the accounts listed in my FTC report or I will have to seek litigation.

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 2021-04-19
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # 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.

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 2019-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was making a transaction with a seller and he told me to pay through XXXX since it was the most convenient option. I went through with this payment method since my bank provided it, only to be scammed out of my money, which was more than XXXX . I have tried contacting the seller but have received no word. I looked to see how this issue is fixed but have seen in forums that my bank provider, Wells Fargo, does not honor protecting people through XXXX. I need to get my money back because I have payments coming up. I need help ASAP

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 2021-03-30
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Sent from XXXX XXXX on XXXX On Fri, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote XXXX Good Morning, I sent this to my accounting department on Wednesday and this is what they advised. 



In XXXX of XXXX we ( XXXX ) refunded the charge. Prior to this, in XXXX, you already had a chargeback process going between your credit card company and XXXX. During that time frame you received the refund from us directly. 



The charge that appears on the attachment is that further review from the credit company and evidence that they must've of investigated turned their decision against the credit card holder. You would need to speak to your bank directly, as we are unable to refund again since it was already processed on our end. 



Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX | FX XXXX Open 24 hours a day, 7 days a week. 







From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ EXTERNAL ] Fraudulent charges I have already disputed and proven that this was not me. Can you please take it off my charge account again. Sincerely, XXXX XXXX Sent from XXXX XXXX on XXXX Caution : Sender is from outside XXXX XXXX XXXX. Take caution before opening links/attachments or replying with sensitive data. If suspicious, forward to XXXX XXXX  Account ... XXXX {$500.00} 31 % ( + ) {$25.00} {$500.00} {$25.00} + ) {$500.00} {$1100.00} XXXX points XXXX XXXX Friday XXXX XX/XX/XXXX Thursday, XX/XX/XXXX XXXX NV XXXX TRAVEL AGENCIES PURCHASED BY TRANSACTION DATE POST DATE MERCHANT LOCATION* MERCHANT CATEGORY Dispute Charge

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 2023-05-04
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several calls from IC Systems regarding a balance they claim I owe to XXXX. I have repeatedly told their office and prior collection companies that the internet service was cancelled/paid in full when I moved. I have requested validation MULTIPLE times by phone and in writing over the last 6 months. They have ignored my request and continued to report this to the credit bureau. This has caused a lot of frustration as it made my credit score drop by XXXX points and has disqualified me from being approved for a loan. This company has violated my consumer rights by failing to adhere to the FDCPA and FCRA regulations. My next step is to file a lawsuit and attorney general complaint against this company. They need to remove this erroneous tradeline from my credit report 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 explanation
Consumer complaint received 2022-03-09
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
previous investigation done by chime - case id numbers- XXXX, and XXXX. 
previos cfpb reports files back on XX/XX/2021 - cfpb # - XXXX and cfpb # XXXX. 
wisconsin Datcp fiILE # WHICH THEY FAILED TO REPSPOND TO - XXXX. 

NOW IM REACHING OUT AGAIN. 

this is fraud. I want this account shut down and the complete file on this account. transaction history and everything you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THIS ISN'T MY ACCOUNT AND I CONTACTED XXXX COMPANY AND THEY SAID YOU DON'T HAVE AN ACCOUNT WITH US, AND AS WELL EXPERIAN I SENT LETTERS WHICH IS I WAS TELLING THEM I NEED A PROOF AND STILL TODAY I DON'T HAVE THE VERIFICATION THAT I ASKED. 

I demand the following accounts be verified or 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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 seven endeavors 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXXXXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
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 AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

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 2023-05-04
Company: CITIZENS FINANCIAL GROUP, 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 noticed an error in my credit report. I notified the credit card company ( Citizens Bank ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). Also That an attempt to collect payment was not successful and the transaction was reversed. Therefore after being called by their collections office, that is when the payment was completed and that constitutes a late payment. ( This statement not being true ) I attempted to set up autopay that would not work and had to call Citizens to set it up because it was obvious that the website has technical issues. ( This was another technical issue besides the payment process ) According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.

Company response to consumer: Closed with explanation