BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
Company: Innovative Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Innovative Collection Services is attempting to collect a debt that I never came into contractual agreement and never agreed to pay. Basically the debt is not mine because I never agreed to it. I received a final notice on XX/XX/2019 requesting XXXX dollars for something called a city booking fee.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15 U.S. 1681c-2 black of information resigning from I didnt need that ASAP as otherwise provided in this section and consumer reporting agency agency cell Block the reporting of information in the pile of a consumer that the consumer identifies as information that resulted from an alleged I delete that not later than four business days after today every receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) that identification of such information by consumer and ( 4 ) a statement by the consumer that the information is not information related to any transaction by the consumer

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 2023-05-14
Company: EQUIFAX, INC.
State: VA
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:
My name is 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
This is in response to complaint : XXXX Experian XXXX XXXX : Charge-offs should not be on your consumer report, because income is not reported on a consumer report. 
Time period For payment or other action : Unless we provide a specific date any time. For your payment or other action begins on the date of this communication. 
IRS reporting of debt forgiveness : If we cancel or forgive XXXX or more of principle on debt you owe we will provide you a 1099-C tax form if required by law. 
XXXX XXXX XXXX XXXXXXXX 15 USC 1681e- election of consumer to be excluded from list.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 2022-06-15
Company: EQUIFAX, INC.
State: VA
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:
I have loans that is not being reported with Equifax. I have spoke to them about this and they tell me to contact the places I have loans with and make sure they report it. I have done that I contacted XXXX Mortgage and XXXX XXXXXXXX. They both assure me they report every month to all credit bureau 's. I even asked to make sure they report to Equifax and they said yes they do and have been. XXXX Mortgage even sent a reporting update letter to Equifax to try and help me. I'm still not seeing it being reported on Equifax website. When i login to there site and get a credit report it shows my credit history is XXXX  years XXXX  months. I have inquiries but my loan information isn't reporting. Its very frustrating gaining inquires and being denied loans because I have no history of accounts on Equifax like I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C. System Inc. Attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. The amount owed to XXXX XXXX XXXX before being passed to I.C. System IncXXXX was {$390.00}. I.C. System claimed a debt of {$1700.00}. After receiving notice from the Debt Collector I confirmed the real amount owed with XXXX XXXX XXXX who confirmed the {$390.00} was the correct amount. When contacting I.C. System Inc. and relaying the correct amount, the customer service agent said they saw the same numbers and had " been given the wrong number '' by XXXX XXXX XXXX. The Debt Collector said they would be adjusting the amount to the correct number and re-issuing the bill. It seems clear they attempted to get more money than what was actually owed until challenged. The medical service was rendered XX/XX/XXXX, the final statement was issued XX/XX/XXXX and the debt collection bill was sent XX/XX/XXXX, the conversations with both parties happened 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 explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: MO
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 is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$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 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Acknowledge instrument notarized signed by XXXX, money order but not accepted to be deposited by manager XXXX? business banker XXXX. Account closed in that same day.Failed to sign treasury account form gave me the run around about a format I was supposed to use. Account_Number : XXXX last four social 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 2019-03-26
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial got our XX/XX/XXXXXXXX tax form completely wrong and has not sent us a corrected version. 
A few days prior to XX/XX/XXXX, I submitted a request to have our XXXX corrected on the ditech website. The XXXX does not have the correct tax amount paid. Our taxes are approximately $ XXXX, box 10 shows {$1500.00}. Box 7 is not checked and the address associated with this mortgage is and has always been our only and primary residence. 
On XX/XX/XXXX I get an email response that a ditech customer service rep will be contacting me. That is the last communication I have received from this company. 
I repeatedly checked the website to see if they had posted an updated XXXX but they had not. 
Now they have sold our mortgage to another company and the ditech account is closed. This mean I can no longer access the documents I need. How am I supposed to do my taxes when this shady mortgage company can't get tax documents correct and has abysmal communication practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my consumer report there are incomplete and inaccurate accounts reporting. I have asked for verification of multiple accounts and they all have come back verified, I would like to know the method that was used to confirm that accurate and correct information is being reported. According to the FCRA you are suppose to report correct and accurate information. 

Your report should also reflect the other CRAs and at the moment there are a few accounts on my consumer report that are not on my XXXX please make the corrections and delete the accounts I would like these accounts to be reviewed to confirm they are correct and accurate 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 Once the investigation is complete please send me my complete credit file

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 2019-03-26
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While I was out of the United States, without my knowledge or permission, sixteen checks totaling XXXX were fraudulently written against my checking account.. The checks were forged between XX/XX/XXXX and XX/XX/XXXX. Upon my return to the United States, I went to the bank to withdraw funds for my needs and discovered the account was empty, I spoke with the bank official who acknowledged that the checks were written and cashed during the 2-1/2 years I was outside the United States.. 

On XX/XX/XXXX I reported the forged checks to the police department. On XX/XX/XXXX the person who forged my signature and cashed the checks was arrested and charged with 16 counts of Forgery of Endorsements. I am an elderly person, and the account was used for the Social Security Administration to deposit my social security checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Global Lending Services LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I entered a consumer credit transaction for a car. This company has violated many of my rights as a federally protected consumer under Title 15 Chapter 41. According to 15 USC 1692g, Validation of Debts, this company failed to put in the initial communication ( contract ), the five ( 5 ) contents of debt listed in in the law, and they failed to send me a written notice with any of the following contents within 5 days. Only other reason they would fail to do this is if the debt was paid for. My failure to dispute the validity of the debt can not be misconstrued as admission of liabilty of the debt but allows the debt collector to assume its valid and I understand this. Therefore I disputed the debt with my Debt Validation letter that I sent the on XX/XX/XXXX, certified mail with a return reciept through mail. Certified Mail Reciept # XXXX. Return Reciept # XXXX. Along with this letter, I sent a Cease and Desist letter requesting them to zero out the balance on the account, to grant me my title lien free, to pay the attached invoice, and deletion from all consumer reports, and other important imformation ; an Invoice for {$21000.00} for 10 violations of my rights as a federally protected consumer. This price included {$10000.00} for they are liable to pay me, according to 15 usc 1692k, civil liabilty and the {$11000.00} was for the amount of money they've collected from me over this alleged debt, that if a debt is disputed, they must return all payments pursuant to XXXX5 USC 1692h, multiple debts ; and an Affidavit of Truth signed and notarized, stating violations as facts and sent proof along with it to state my claim. No where in the contract does it give this company permission to furnish credit information on my behalf, which is FRAUD. " Fraud vititates the most solemn contracts, documents, and even judgements. '' [ U.S. vs. Throckmorton, 98 US 61 ]. The company also continued to contact me and report credit information on my behalf after recieving my documents on XX/XX/XXXX. The company responed to me on XXXX XXXX, XXXX and I recieved the letter on XXXX XXXX, XXXX with a copy of my contract, a chart of all may " late payments '' and a statement telling me that they are required to report my credit information and can not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed 2 charges from XXXX XXXX XXXX that I did not make with my Bank of America debit card so I opened up a claim with the bank and I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice in my email that says the claim was denied A crime has been committed against me and my identity, I don't know who the culprit is, I tried to file a police report on the XXXX of XXXX but the police department was not interested in what I had to say and refused to take a report and after I found out on XX/XX/XXXX that the bank denied the claim, I made one more attempt to call the police and I spoke with XXXX XXXX XXXX at the XXXX XXXX Police non emergency and he took the report and gave me a claim number ; the bank did refund the {$150.00} to my account but promises to take it back on XX/XX/XXXX they say XXXX says I ordered a guitar and other equipment and had it mailed to my home ; I did not do this and I want Bank of America to leave the money in my account I am upset, when I call the bank I cant get and direct answers

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 monetary relief
Consumer complaint received 2021-12-08
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I made an in store purchase at the Best Buy store in XXXX, CT in the amount of {$540.00}. I was assisted by a Best Buy associate for this in store purchase. After ringing up all of my purchases I was advised by this associate that if I opened a new Best Buy credit card I would earn a {$50.00} statement credit as a promotion for becoming a new Best Buy credit card customer. I asked if I could pay the credit card balance immediately in store and was advised no, that I would have to wait for my first statement but that the first statement would reflect the promotional credit. I did not have any reason to believe this was not true, so I proceeded with the transaction. Recently, I received my first bill and I noticed right away that the promised statement credit was never applied to my balance. Today, Wednesday XX/XX/XXXX I spent XXXX hour and XXXX minutes on the phone trying to get resolution to this issue. I can not get through to anyone via phone at the XXXX, CT location. When I called XXXX ( the phone number on the back of my new Best Buy credit card ) I was transferred a total of 5 times with the final transfer resulting in a XXXX minute wait on hold until I finally gave up and hung up. Best Buy customer service told me I need to speak to Best Buy credit card service about the issue. I was transferred to credit card services who told me I need to speak with Best Buy rewards about the issue. Best Buy rewards tried to transfer me back to credit card services at which time I explained to them I had already spoken to credit card services. I was then transferred to an international customer care representative who put me on hold repeatedly, kept apologizing for her poor internet connection, and ultimately had no idea what I was talking about. She kept asking for my order number. I explained to her that this was not an issue with an online order it was an issue with a credit card statement at which time she placed me on hold for the final time and never came back. So I hung up. I am furious, I feel as though I was the victim of deceptive marketing and sales tactics by Best Buy. Many representatives told me that the in store associate must have been confused, and gave me bad information. I understand that this is a possibility, but I do not believe that it is my fault. I believe I am due the credit I was promised and that Best Buy has a long way to go in the customer service arena as my experience with them today was terrible. I am happy to provide any further information needed by CFPB.

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 monetary relief