BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 m a victim of identity theft trying to get my credit report back where it was

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 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
A charge for the amount of XXXX was place on my credit card for a service for a company I do not know. I contacted the credit card company ( bank of america ) and filed a fraud complaint. I then contacted the company who placed the charge to get more info. the informed me that the account that was created was for a XXXX, who I do not know. they stated that they did not know how the charge was placed on my card. and issued a refund. I cald bank of america back and advised what had happened. fast forward to today. bank of america billed me for the charge anyway and will not post credit untill I make a minimum payment. the only charge on this card was the fraud charge. I was told by Bank of America this is federal law and the do not have to abid by Ohio state laws.

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 2019-07-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TOYOTA MOTOR CREDIT. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. XXXX XXXX XXXX   . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX/XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX 13.XXXX XXXX 14.XXXX/XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXX 17XXXX XXXX 18.XXXX XXXX 19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX XXXX 22.TOYOTA MOTOR CREDIT CO XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: DE
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 a letter to the 3 Credit Bureaus on XX/XX/ to update this suspicious account. I think you have not validated this account : XXXX XXXX Balance {$4200.00} This was already included in my prior COMPLAINT, and I'm including it again.

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 2019-07-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am a victim of fraud and items that r not mine and have not even been properly validated, or anything only by a third party vender which come with a lot of loopholes that were disputed 8 mths ago with EXPERIAN were deleted and now they are being added back to my report this is against th FCRA. All of the items that are being placed bavk on my report were deleted due to fraud.I have consulted with an attorney who is putti g them into litigatition.There is also a current class action lawsuit against this bhreau and I may report to XXXX as well.Please have these otems removed immediately that were deleted almost a year ago. 

Items being readded that were deleted last year : XXXX XXXX XXXX XXXX so far They readded XXXX but redeleted that here on XXXX This all is illegal. These are reasons among many many this credit bureau has current lawsuits pening against them. What I also found that within the dispute center history they updated the old results which is not displaying these items were deleted but my attorney and staff have the deletions in black and white from the paper results sent by mail. This is illegal actions and Experian will be exploited!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ACCOUNT RESOLUTION CORP MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! Acct Name : Account XXXX  XXXX ; Acct # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Acct Name : Account XXXX XXXX Account # : XXXX ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).

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 2023-02-10
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

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 2022-12-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
This vehicle was sold in a lien sale approved by the creditor. They were notified in 2018 of the sale of the vehicle. They continue to leave the account open, they wont update the value of the vehicle since its sale. 

This account has not been in collections or repossessed since its sale. They are reporting a car on my credit that should no longer be considered an open loan. The car was towed by the city while my spouse at the time was XXXX. He attempted to put in a request to have the loan XXXX due to his XXXX. They did not respond, they offered a settlement but why would we settle on a car they signed off on selling. The tow company received approval from them to sell the vehicle. They have failed to update the accurate value of the loan since the sale Ive made several attempts to have the status updated.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: MD
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:
Unauthorized Inquiries on My Credit Report : 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 

XXXXStatement : XXXX I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Unauthorized Inquiries Appearing On Credit Report. XXXX 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX  XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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

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 2023-10-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-01-17
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent a letter from Capio Partners LLC regarding a debt from a hospital bill from XXXX, but I have never received any sort of bill previously from the original debt holder, I don't know how to respond or what to do but I don't want this XXXX Offer amount to effect my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: Upstart 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I noticed there was a balance on my credit report from Upstart. The loan was cancelled and I was trying to remove this from my report due to there still being a balance and my inability to negotiate to pay and remove this issue from my credit report. Also, the loan is listed in as a student loan. This was private loan for a coding bootcamp called XXXX XXXX ( XXXX ), which did not satisfactorily land me a job, nor were they even officially accredited at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2019-07-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Account status incorrect

Complaint:
I would like to know what type of game XXXX, Transunion, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX BANK XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.

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 2022-01-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2023-10-26
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Aidvantage website shows that I only have XXXX active loans with a balance, the rest have a status of Paid in full/Discharged. However after multiple disputes through XXXX, Aidvantage refuses to update the status of the other XXXX loans with the credit agency ( both XXXX and XXXX ). My XXXX report shows the correct balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Regional Management Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on XXXX yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received the attached letter dated XX/XX/2018 from Wells Fargo indicating that our mortgage LTV was now below 80 % and we were eligible to cancel our PMI coverage. However, cancellation was not automatic and required us to pay additional principal or fees to Wells Fargo in order to cancel the PMI. Our first option was to pay Wells Fargo enough principal in order to reach 78 % instead of the 80 % as required by HPA guidelines. Our second option was to pay Wells Fargo 's PMI department an additional fee in order to do an appraisal to determine if the value of our home was adequate. In addition, they indicated that Wells Fargo was the only company that could complete the appraisal and no third party valuations would be accepted. This initial letter however did not specify the cost of this appraisal or how to order it. I tried contacting our local mortgage representative but she would not return my calls. 

On XX/XX/XXXX, I called the XXXX number listed to determine how we could go able ordering an appraisal. The representative on the phone basically restated on the phone what was stated in the letter I had already received. She indicated that she would send me a letter with additional information about the appraisal ordering process. She did not indicate how much this appraisal would cost. 

By not providing all information in the initial letter, it only allows Wells Fargo to continue charging debtors additional PMI fees while they send out additional letters. 

Today, on XX/XX/XXXX, we received the letter in the mail with the appraisal information. Wells Fargo wants {$560.00} in order to complete an appraisal to drop the PMI even though we've already met the 80 % threshold, have never missed a payment, have never been late on a payment, and have actually been paying extra on the loan. This is unethical and ridiculous. It puts us into a situation where despite hitting the 80 % PMI threshold we are required to either keep paying Wells Fargo the PMI, pay a large chuck of our principal, or pay Wells Fargo for an " exclusive '' appraisal just so that they can get more fees out of us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
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:
Approximately 1 year ago, I informed Charles Schwab & Co. that an account had been fraudulently opened in my name. They have always acknowledged that the account is fraudulent. However, the account has never been closed. I have been getting repeated letters ( mailed to a former address but forwarded to me ) from Chares Schwab indicating that my balance is too low and threatening to refer my account to a collection agency. Each time I call, I am told that the issue will be resolved but it never is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation