BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, I inadvertently deposited a check from XXXX XXXX XXXX XXXX XXXX XXXX and made payable to XXXX XXXX in the amount of XXXX XXXX XXXX XXXXXXXX XXXX and XXXX/XXXX ( {$2900.00} ) Dollars into my personal checking account with Capital One. 

I am the owner of XXXX XXXX, a Rhode Island XXXX XXXX XXXX. I inadvertently deposited the check into his personal Capital One account instead of his business account. Funds were not available at any point after the deposit and CapitalOne froze my account. I immediately called Capital One and was provided a case number. The case number is XXXX. I called customer service several times referencing the Case Number and was told they were investigating the issue. 

In XX/XX/XXXX, my account opening balance was XXXX XXXXXXXX XXXX  and XXXX/XXXX ( {$3000.00} ) Dollars ; however, on or before XX/XX/XXXX, Capital One withdrew all funds and the account balance was XXXX and XXXX/XXXX ( {$0.00} ) Dollars. The funds were not returned to me and my account was closed by Capital One. I called customer service referencing the Case Number again and was told by Capital One that they could no longer talk to me about it because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
The account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XX/XX/2023 I submitted a payment to Bank of America for payment to my credit card. My credit card account send me an alert & said payment was due & I forgot about sending the 1st payment & I subsequently submitted another payment on XXXX XX/XX/2023. On XXXX XXXX I received another alert & sent a 3rd payment ; but was able to cancel this payment & the called the bank to see if I could cancel one of the other payments. The CS representative told me that both payments processed & that i would not be able to cancel or return the payment to my account until after it posted. On XXXX XX/XX/2023, I received two notices from BOA saying that both payments failed & that I was late. I reviewed my account & previously transferred funds on XXXX XXXX to cover these payments. Upon calling BOA the CS representative stated that there was insufficient funds in my account to cover the payments & as I look at the account this is not the case. I already transferred money to the account. 

here are my concerns : 1. Previously, I had only been late once on a credit card payment & it was for less than 5 days & BOA reduced my credit line 2. if BOA used the credit technology, I would have not received multiple " Alerts '' telling me that my credit card payment was due & I wouldn't have made multiple payments 3. in an effort to charge customers late fees or reduce their credit line I suspect BOA is playing with their algorithms and picking and choosing which payments will be held & which will be paid & at what time 4. BOA has proven to reduce credit lines not based upon any standardly acceptable format, but rather periodic reviews by humans who apply non existent standards & reduce lines of credit based upon assumptions 5. the two failed payment notices ( which previously showed posted ) took longer than industry standard & did not take into account that money could have been transferred from other BOA account to cover these insufficiencies, had alerts & notices been timely

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 2019-04-24
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:
XXXX and Transunion are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.

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 2021-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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 name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2023-10-06
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My apartment was robbed and I did not feel safe staying in that environment anymore. I filed a police report and we agreed to settle to a specific price to get out of my lease as they threatened it would damage my credit. After the fact they still charged me for things that werent true as they were mad they couldnt find someone to replace me and did not follow through with the discussed price to break the lease which I paid in full. They are very untruthful and didnt even care I was robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/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 2023-10-23
Company: EQUIFAX, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my report I noticed a credit card by the name of XXXX XXXX  with an open balance of $ XXXX reached out to the company and spoke to a rep.I stated to the rep about my finding of this unauthorized and fraudulent account. The rep stated to me the company can not do anything until a report has been submitted. The account below is the fraudulent account also an FTC report has been attached to this complaint. 

XXXX XXXX  XXXX account number 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 2023-10-03
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Early Warning Services, LLC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i was hire for a job, that turned out to be a scam. I was sent a check to deposit in my account. I was then told to send {$500.00} by my on Zelle to purchase equipment for this " job ''. I later that day ( XXXX ) found out the check was a fraudulent check and everything was scam. I reported the fraud to Zelle ( XX/XX/ ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 we the owners of mortgage # XXXX did a money-wire to be applied to the Principal Only. We make monthly mortgage payments directly to the NewRez bank and the the {$25000.00} dollars wire was in fact reflected days later on our statement. 

The problem is that on XX/XX/2020 and on XX/XX/2020 the NewRez bank was formally asked and reminded via email why our loan maturity date had NOT been adjusted. On both occasions, the bank has responded back with the same written excuse. They claim that our mortgage loan is managed by a group of investors in New York. NewRez only provides the address of the building but won't disclose who the investors are. 

Why should we as mortgage customers be contacting third-party unknown mortgage investors so they adjust our loan maturity date?. We make payments to, We do business with NewRez, so they should have THE legal and THE ethical obligation to adjust the maturity date on our home loan. 6 months have gone by since we made our {$25000.00} dollars wire and the NewRez bank has not shown any interest to be a liaison between we the customers and the so call " investors ''. In other words, the so call " investors '' are not been held accountable because NewRez is not accountable either.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached XXXX FTC report with accounts and inquiries I did not authorize and they need to be deleted as they are affecting my life

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 2021-03-17
Company: Select Management Resources, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have a owe amount in loanmax title loan. I reported my car was damage in XXXX and for that reasons I cant continue to do a payments. We tried to setup payments plans in the past and they are not agree with that they want the full amount of {$2000.00}. Monday, XXXX, XXXX XXXX I received text to inform me I can pay {$1800.00} to setup my account with the XXXX stimulus payment. Message say LoanMax : Let us help! Take advantage of XXXX XXXX deal now! Call XXXX XXXX XXXX XXXX pay only {$1800.00} to get your title back! 
They don't say how long can I have to deal this amount. But the XXXX XXXX is for this XXXX stimulus started this week. I was agree to pay that amount and more because is less and I am going to resolve this situation. But for my surprise when I was shopping thing for my baby they reposed a car XXXX XXXX XXXXXX/XX/XXXX without notification. I was XXXX XXXX XXXX, with a XXXX XXXX in my hands and with all items of my baby in the car ( XXXX XXXX ). Now they said I cant receive my items until after 4 days, I have items in the car was cost money also my breast feed pump for my baby and all her clothing. I was in XXXX, I from XXXX XXXX without a car and in the street. Just they took advantage with all of this situation they offer me settle the account for {$1800.00} and no past XXXX hours they reposed a car. They said they send a letter on XX/XX/XXXX and I never received that letters. I contact XX/XX/XXXX to corporate office and they said they have XXXX different letters on the mail with XXXX different amount but I did not received nothing until now. They lied and took advantage to me because they don't give me a chance to deal with the XXXX stimulus payment. About XXXX year ago when I lost everything and start my XXXX I said to them you can come to pick up a car and they said is not like that you need to pay a money we don't want your car back. They discriminated me because they don't believe they left without transportation XXXX hours from my house, without my baby items and with a XXXX XXXX and a XXXX XXXX on XXXX XXXX. Just I am agree to pay what they offered {$1800.00} and they give me my car back. I never received a letter from them and I dont sign any certificate letter to reposed a car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, Trans Union XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXXXXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.

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