BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$XXXX} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
Wells Fargo mention they owe us money between certain years or up to the year of XXXX  taking money without our consent

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries 1 of 2 please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit 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 2021-12-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX deleted the bankruptcy XX/XX/21 they reported to the bureaus because it was inaccurate reporting. Equifax then deleted it XX/XX/21 now they added it back to my report XX/XX/21 this is illegal inaccurate reporting if this doesnt get deleted asap I am hiring a lawyer and WILL DEFINITELY MOVE FORWARD WITH A LAWSUIT AGAINST EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Vin # XXXX I have refinanced my vehicle with chase bank i have not been able to get DMV tags since XX/XX/2017. DMV is not clear who is a the lean holder on the title is. I have called chase bank many times and send them all the required documents but they have not able to help me to get my vehicle registered since XX/XX/2017. This vehicle was for my big family to travel and enjoy but it has been a headache since I refinanced with chase. I been making every monthly payment for this vehicle but have not been able to drive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CORELOGIC 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:
XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them

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 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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:
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 Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$16000.00}

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 2023-05-09
Company: Monterey Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My contract was with XXXX. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX Monterey financial services . Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.

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 2016-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Other

Complaint:
I have a XXXX checking account. I do not have a capital one credit card. Capital one has been debiting my checking account without my authorization. I have been advised previously by XXXX to just close my account. This would be a burden on me. I have filed an unauthorized debit complaint with XXXX and emailed capital one to cease and desist in debiting and withdrawing from my XXXX checking account. XXXX has not accepted my statement to date. I am a XXXX XXXX citizen and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
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:
I contacted Chase to request a credit limit increase on my credit card. I was told that for the increase there would be a hard inquiry. I asked what bureau did they pull from. I was advised by the agent that it would be a hard inquiry from XXXX  only. I made sure to ask this because I did not want a hard pull from my XXXX or XXXX accounts. Once I got off the phone, I realized that indeed the agent pulled from ALL THREE bureaus. This went against what I was told and I immediately contacted Chase to inform them. I was told that it would be reviewed and I would be contacted with results. I was contacted a few days later by a Manager, whom told me that they review the dispute along with the phone call and they agreed that I was told misinformation ; however, they still were not going to get the inquiry removed from all bureaus. I think this is not ethically correct on their part. Because I was told misinformation, I ( the consumer ) am effected negatively. They told me that they would educate their employee on this to prevent it from happening again but that still does not resolve MY issue. Please assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX a Bank of America representative contacted me by way of telephone.The representative explained to me that their company had covid-19 deferral program that I could participate to pay on the credit card.I agreed to enter the program.On XXXX XXXX is when I made the first payment toward the credit card balance. The first payment was in the amount of $ XXXX.Which bought the balance owed {$250.00} which would have made the credit card current as this card had a {$500.00} credit limit on it. Thinking my credit card account was still open. 
When I went to rent a car rental they told me my credit card did not go through. I looked on the BofA app to see what was going on it said I had a {$230.00} available.That was odd to me seeing prior it was {$250.00}, but I went to deposit another {$200.00} on XXXX XXXXI called BofA to find out when my deposit would post. That is when I was informed my account had been closed since XXXX of this year. The lady that I spoke to informed me she would make a complaint and to check back in a couple of days about the status on refunded my money. I called yesterday XXXX XXXX.I spoke to a series of people finally the last person I spoke with was XXXX. 
My complaint is the BofA representative contacted me about some referral payment plan knowing or should have known the credit card account in question was closed since 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 2023-06-03
Company: Upstart Holdings, Inc.
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Two personal loans were provided to an individual using my name - identity theft. Upstart did not provide an accurate verification process ( proof of address, such as property tax statement or utility bill, proof of employment, such as paystub or 1099 ) and provided individual with ( 2 ) loans in amount of {$19000.00} and {$22000.00}. The loans were provided in XXXX of XXXX and I was notified in XXXX of XXXX they were in default. All 3 credit bureaus were alerted of same and my credit score has decreased dramatically. I have contacted Upstart via telephone, ( 2 ) overnight letters and have filed police report, filed report with FTC and contacted all 3 credit agencies with account freezes in place. Upstart has provided no response. I am now contacting an attorney. I am reporting this company as they are providing loans to individuals identifying as others without a required verification process and this is a violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, GA 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 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
How you all doing my name XXXX XXXX XXXX you all today my application was denied for a auto loan with Capitol one auto finance. 
Thats false and misleading they cant deny me with extensions of my own credit I know XXXX the consumer and the original creditor & trying to extend my credit out to them. 
Credit dont matter the laws matter thats consumer law 15 usc 1611.They giving me false information willingly & Knowingly because its public information if its public information they should know it. 
Also they asked for a downpayment thats openly committing fraud its illegal the finance charge is the sum of all charges downpayment Gap insurance and dealer fees that falls under consumer law 15 usc 1605. 

Can you all please reach back out to me asap The application is with XXXX of XXXX Louisiana XXXX Application number XXXX XXXX on bank XXXX XXXX Ext : XXXX Vehicle Vin : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After placing a prior complaint on XX/XX/2020 regarding this matter, I received a call from the odsbudman at the corporate office of SPServicing on my home phone. I spoke with XXXX and I explained that I needed to extend the original 90 day forebearance to an additional 90 days as stated in the Cares Act. XXXX explained that I needed to take a survey to see if Im qualified. XXXX confirmed that I will need financial records on hand to qualifiy. XXXX explained that I dont fall under the Cares Act as my loan is not federally backed. I asked XXXX how did that change as all my original loan documents says the loan is federally backed. XXXX would not answer and just kept asking me to complete the survey. My loan has been trasferred several times. Since Select Portfolio Servicing is the gate keeper to the mortgage company, I had no idea who is the owner of my loan. The last correspondence I received was from XXXX XXXX  just after signing an agreement to recast the loan and that SPServicing would be the service provider. All orignial terms of the original loan were still in place. XXXX would not provide me the information over the phone, XXXX said he would mail it to me. I received the document. The Loan holder is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Long an behold XXXX XXXX is the actual holder. The document also states that the account ownership status may change from time to time. Will I be notified or is this a behind the scenes event? The XXXX XXXX website says they are offering 180 days of forebearance. How did the federally backed loan change to a non federally back loan. I feel like Im being taken advantage of and being strong armed. SPServicing is not forth coming with information in a timely fashion nor was I ever notified that my loan was transferred from XXXX to XXXX XXXX. I am receiving emails from SPServicing claiming they have attempted to call me on XX/XX/2020. My last Call from SPServicing was on XX/XX/2020 ( XXXX ). No call, message or call ID left. Thank you for your time in this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I realized I was several months behind on my XXXX upgrade program loan through Citizens Bank. My mistake was, I had a debit card stored for auto pay but that debit card had been compromised months earlier and when I had to cancel it, I forgot to update Citizens with my new card number. When I realized I was behind I contacted them ( they had emailed me, but my email on file was no longer in use ; and mailed something to my address but I had moved ; they had never called me ). At that time, they required that I pay the loan in full, and I obliged immediately. After all the mistake was mine. However, months have gone by and Citizens is STILL reporting to XXXX, month after month, that I have not paid. The balance keeps increasing each month. I have contacted Citizens and requested that they update this as paid in full, and although theyve promised that they would, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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: Account information incorrect

Complaint:
These are unauthorized inquiries please check letter attached

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 2021-06-08
Company: CAPITAL ONE FINANCIAL 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:
I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation