BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020 XXXX XXXX, XX/XX/2020, XXXX XXXX, I sent Transunion certified letters. Disputing the inquiries of XXXX, XXXX XXXX XXXX on my credit reports. At the same time I sent dispute letter certified to XXXX, XXXX XXXX XXXX Transunion, XXXX and XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying the inquiries were valid and XXXX did not respond. 




Transunion has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Transunion has not validated the inquiries as mine, and continue to ignore my letters asking for removal of this inquiries.They have violated many consumer laws. 


All I asked was that the Transunion show me how they verified this debt and what XXXX, XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.Transunion needs to delete the inquiries promptly.

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 2022-12-14
Company: Experian Information Solutions 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 submitted a letter to Experian and XXXX dated XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : {$630.00}

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 explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: WA
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:
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, Equifax and XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Second Round Limited Partnership and XXXX XXXX XXXX XXXX tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, Second Round Limited Partnership didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a loan from ONE MAIN FINANCIAL. They charged me outrageous fees and keep a continuous {$2.00} balance in my account and report me to credit bureau monthly although I paid in excess of 200 % of the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: NAVY FEDERAL CREDIT UNION
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:
A credit card account showed up on XXXX, XXXX, XXXX XXXX  at the navy credit union. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with navy credit union. They, the credit report agencies said I had to take it up with the bank to correct. I called the navy credit union and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.

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 2020-05-25
Company: Paypal Holdings, Inc
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I had merchandises transactions online in US has been disputed since XX/XX/2020. I asked help from PayPal Resolution Center ( PPRC ). The date reported to PPRC was XX/XX/2020. Since the first time I disputed to this seller, I did not agree that I had to return these merchandises back to XXXX, since I did not know, this seller located in XXXX and had return policy to XXXX. There was no exchange policy. The seller offered me a small discount and keep the merchandise. I don't want to keep this byproduct merchandises. This seller was a fraud by pushing customer to keep its stuff and acting as seller who located in US. I ask my money back ( {$59.00} ). Later, The PPRC instructed me to return back to XXXX even I already complained about this problem in the first place. There was no other option in PPRC final instruction. It means that if I did not return back to XXXX, I will loose total my money. This PPRC solution was bad for me as customer. The purchase protection which the PPRC advertised in their website was not working for me as their longtime member. The shipping cost to XXXX by USPS was {$43.00}. So, based on PPRC, I did not have choice, I sent back this merchandise to XXXX on XX/XX/2020 and gave the PPRC the tracking number ( XXXX ) right away. I have been checking frequently the status of this shipping on USPS website. Until now XXXX XX/XX/2020 ), the shipping is still in transit in XXXX XXXX. Suddenly, I got email from PPRC that my case is closed and I did not get the refund. I tried to contact PPRC unsuccessfully. I tried to email them back, but there was no response from PPRC. Why did PPRC close the still-in progress case?? PPRC only cared the seller. Actually PPRC did not care their member or customer. I am very disappointed. I have nothing now and I lost {$59.00} + {$43.00} ( since the merchandise still in XXXX XXXX due to PPRC stupid instruction, pushing me to send the merchandise back to XXXX. I lost {$59.00} + {$43.00}. It's not fair. Thank you. Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I've called and called I can not get threw to customer service I never received my nm unemploent eppicard for XXXX XXXX adress Is XXXX XXXX XXXX XXXX XXXX NM XXXX there is no option to speak with customer service unless you have a card number I never got a card so how am I supposed to get. 1 it's rediculous my benidirs are posted and I can not. Access funds n m unemployment says they don't issue cards I have to call eppicard directory so I'm out of options my email XXXX please send my card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently owe {$51000.00} just to SallieMae. That amount is more than I make in a year. I reached out to them because I am currently having issues with my housing situation and need to lower my monthly payment without having an adverse affect on my credit, so I reached out to them for assistance. I was told that to get any assistance I would need to go PAST DUE. I said I was trying to keep from going PAST DUE by letting them know in advance I needed assistance. I pay in total $ 2000+ in loans a month and Sallie Mae makes up about half of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions 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:
I FIle a dispute with Experian Credit Agency, as they have a Report from XXXX XXXX there. XXXX and I had a dispute for a car got into an accident which XXXX sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash. 
I disute with XXXX through XXXX and was at the middle of trying to negotiating, I did offer XXXX to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. XXXX Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO EXPERIAN THAT XXXX needs to delete everything from my credit report as they sold this account and Experian has not removed it. 

XXXX needs to remove it as it is ilegal to remove it also Thank you

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 2019-02-19
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company - LVNV Funding LLC Date - XX/XX/2019 Amount - {$150.00} I have made several attempts to get in touch with LVNV Funding LLC but they are unreachable. I have exhausted all my efforts to get in touch with the company. My account was paid, however, it remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: JPMORGAN CHASE & CO.
State: NY
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:
I traveled to XXXX XXXX XXXX on XX/XX/XXXX for a festival i goto every year at the same time and I always put the travel notification on my Chase account so I can use my card while in XXXX. On the evening of XX/XX/XXXX i logged onto my chase online account to see 2 charges one for {$2000.00} and the other for {$600.00} at XXXX XXXX in Washinton which was not charged by me and is definitely not authorized. i called Chase to report the fraudulent activity as the card was still in my possession. The funds were credited back while the claims department investigated the claim. A few weeks later I noticed that the money was once again taken out of my account when I called Chase on XX/XX/XXXX I was told by one of the claims specialists that it seems a card skimmer was used and he would reopen the claim. I went into a branch on XX/XX/XXXX and was told that my claim is dismissed because my 4 digit pin was used on the fraudulent charge. I have never been to Washington state and it seems the purchases were made as cashback at a supermarket. If you review my transactions on my Chase account I made a purchase at XXXX XXXX in the XXXX XXXX which is located in downtown XXXX using my card as it was a chip purchase the fraudulent charge was made 2 hours later in Washington which is impossible for me to travel from XXXX to Washington by plane its a 5 plus hour flight. I have XXXX  statements to show my trip to XXXX, XXXX trips, and purchases I made while in XXXX. Chase has told me there is nothing they can do for me but it seems like my claim was not investigated or investigated incorrectly. I feel as if Chase who I have banked with since XXXX and never had an issue is not even taking the time to look into my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: RentDebt Automated Collections, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2014 I signed a lease for an apartment at XXXX XXXX in XXXX XXXX IA. I had tried to get them to show me the apartment I would be getting that whole week, prior to me signing a lease. The first time I had gone to look at this complex, they took me to a model unit. I had asked if my apartment would look just like that. It had all new cupboards, counters, carpet, paint etc. The model was immaculate. The day I signed they scheduled me for the last appointment for the day and rushed me through the process, not giving me a walk-through of the apartment I would be getting prior to signing. They gave me the keys, I drove to the apartment, walked in and was so devastated to say the least. It was awful! Nothing like the model unit. It had gross closets with mold, the place smelled musty the cupboards and counter tops were old, the carpet old, the deck looked like it would fall apart if you stepped on it ... I drove back to the office to give them the keys back but they had closed and locked up already. I called and left a message that I would not be renting from them and would be returning the keys in the morning. I had everything lined up to move and nowhere to go. They caused me so many problems and money by fraudulently getting me to sign that lease. I had to pay for the moving van that I didnt use that day and find another place to move at the last minute. I recently checked my credit which is how I found that I still have this collection acct showing active/open with a balance of {$3000.00}. This is over 5 years old. The collection company listed is Rentdebt automated collection. I am reporting XXXX XXXX for their unfair practice, for this erroneous collection amount. I will be sending a letter to the credit bureaus demanding they remove this collection account. I'll file a complaint with the Consumer Protection Division of the Iowa Attorney General 's office and will be sending a registered letter to the apartment complex owner demanding they remove this debt and show as satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am having problems with Equifax when my lender pulled my tri-merge ( all three reports ) Equifax indicates there is a Hit Level : Suppressed. I contacted Equifax yesterday to get this resolved and they said they did not suppress my report, they did not freeze the report etc., I was on the phone with them in total for over 2+ hours explained I could send them a copy of the report indicating they are suppressing it. I can not get anywhere with this company and my lender can not pull a true report without Equifax sending the information. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hi Equifax put this Fraud account as a public record on my credit report ..... I went to the Court house and had them to run it. I do not have a public record with this company. and never went to court or even was summoned to go to court. The courthouse told me to contact Equifax ASAP ... ... " The company is XXXX XXXX " NO PUBLIC RECORED on my File or under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Utah System of Higher Education
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 90-120 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 2022-08-07
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX the government is responsible for all debts. I am not responsible or willing to volunteer as a debtor. These are injuries to me and are actually claimable by remedy and redress. All i ask is to remove it from my credit report completely and permanently. U.S.C. 15 sec 1681 Discover Bank " credit '' Account ending in ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls with no answer. I called the number back and recording says Kohls Credit. 

Call each day range from 3-10, almost every hour. 

Currently have XXXX XXXX XXXX handling pay back to my accounts due to my recent illness. 

These need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In late XXXX I tried using my ca edd debit card from bank of america, at a bofa atm in XXXX XXXX. The atm said something along the lines to call cs. I called and told the lady my ATM card wasn't working, she advised me of some sort of unusuall activity in the late pm and early am. That my card was suspended by bofa because of it. And to call back Monday morning and speak to claims. Which I did.after answering several questions she proceeded to open a claim for me. Again bofa suspended my ATM. The total was {$920.00} about 10 days later I recievecd a letter dated XXXX stating I would be receiving a temporary credit while they conduct there research. And it would take 2business days. XX/XX/XXXX I received another letter stating bofa completed the investigation and that the previously issued credit is now permanent. Late XXXX I tried using my debit card for a POS purchase. It was a Sunday. I called cs and was told my card was suspended by ca edd. Monday morning I speak to ca edd and was told I needed to verify my I'd. I did so that Monday morning. I called back Tuesday and verifyed with ca edd. I also called b of a Weds and asked what was going on? I was told my account was good but I had a neg balance. I also noticed that I had deposit by ca edd and that bofa had taken money from my account with out any type of notice. XXXX I recievecd a letter from bofa stating the claim has been closed. I've been calling everyday since XX/XX/XXXX trying to get answers on why and who took the {$920.00} my statement says ca edd I've called and spoke to supervisor and was assured ca edd can not take money from my account. XXXX bofa sent me another letter stating they completed an additional review of my claim for {$920.00} and as a result of there research my account has been credited {$920.00} that this is final and permanent and dispute is now closed. But no money has been deposited

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 2020-05-28
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: Their investigation did not fix an error on your report

Complaint:
I hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX XXXX XXXX even after attempts of removal with credit repair company on my behalf.

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 2023-03-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Had overdraft fees 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