BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I have a new collection show up on my credit report from XXXX XXXX XXXX for a city of XXXX XXXX. I have not lived in XXXX Texas since XXXX and had to clear all of these services before exiting the XXXX in XXXX. I report this info to all three credit Bureaus and to the collection company. While it was removed from two of the Credit bureaus TransUnion did not remove it and made no changes to my account.

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 2018-07-25
Company: S&S Physician Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX. XXXX has placed an account on my credit report with XXXX  for {$540.00}. This debt does not belong to me. I have asked multiple times for written verification and signature for this account. I have always held health insurance. I wouldnt have any medical bills. I have been dealing with this issue for a year without any feedback or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Blackhawk Network Holdings Inc.
State: RI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was provided a XXXX XXXX gift card issued by this merchant with the specific intention of using it on a service that I don't wish to use my personal credit cards for. The purchase was declined despite a complete XXXX XXXX and XXXX XXXX match. There is no excuse for the card issuer to declined purchases on a XXXX gift card that is clearly a valid transaction with a legitimate XXXX merchant. With the inability to use the card with this merchant, it carries no value for me. I attempted to contact the merchant to discuss the issue but the merchant offers no XXXX support of any kind and their XXXX  support was designed not to address this issue. 

As I'm sure CFPB knows, this is a known tactic XXXX XXXX issuers use to essentially keep the funds. By declining transactions as they see fit, they hope the user gives up and forgets about the card or ceases trying to use it. I've experienced similar issues in the past with some prepaid cards being declined at multiple XXXX merchants w/o cause. Since their XXXX liability is such a tiny inconsequential monetary amount that they disclaim liability for anyway, the only logical explanation for declining the transactions is to discourage the cardholder and keep the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were forced to sell our home of 20 years after Wells Fargo falsely filed for Foreclosure after we had a signed agreement with them for, a Loan Modification following a XXXX, granting us a 3 month grace period to recover, then they filed foreclosure on us on the 4th month for non-payment. Up until then, we had never missed or been late on a payment in 20 years! All legal efforts to fight them after thousands in court fees, had to stop after we could no longer afford the legal fees anymore. We were forced to short sell for thousands less than we could have normally made during a regular sale. They are Crooks and ruined our lives after we did nothing wrong but endure a 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 2022-02-07
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Great American Finance Co
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. 

This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: UT
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:
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX  are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please 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 explanation
Consumer complaint received 2023-11-07
Company: U.S. BANCORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FCRA states I am having the rights to exercise of fair and accurate credit report I have submitted accounts with inaccuracies that need to be corrected and advised immediately 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 non-monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the Total Sum Of {$4900.00} and this information XXXX should not show up on my XXXX/Transunion/XXXX  Credit Reports. please remove this Missed payment information and remove off of 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 explanation
Consumer complaint received 2022-02-07
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise credit service has added a derogatory mark on my credit report for a debt i do not owe. it is stopping me from getting a home.

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 2021-03-31
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a line of credit account with XXXX XXXX XXXX XXXX through XXXX. I have been paying my bill every month at the end of the month when I get paid. On XX/XX/XXXX I paid my usual {$50.00} payment on my account. Up until XXXX I didn't have an issue paying this way. But apparently my paying early and consistently every month is a bad thing. According to the unhelpful staff the new payment cycle started on the XXXX, there is nothing they can do even though they have eyes and can see I didn't intentionally or even unintentionally miss a payment. 

Now I will have a missed payment and a reduction of my credit limit put onto my credit report which will drop my credit score by quite a bit. I've spent XXXX years building my credit so I can buy a home and now, for daring to pay early, I'm getting XXXX  by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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:
I submitted a dispute for {$80.00} for a product that wasn't delivered over the summer. The bank decided against me, but when I asked for the evidence file, none of the evidence I had submitted to them via email ( they sent an email asking for the evidence ) was in it or considered. I asked to have the dispute appealed, resubmitted the evidence along with affidavits from witnesses, and again the dispute was decided against me. I request the evidence file and once again, NONE of the evidence I submitted was considered or even included in the file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXXXXXX XXXX  XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX xxxxxxxxxxxxx XXXX Unverified Account XXXX XXXX XXXX xxxxxx XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX ACCT NUMBER NOT SHOWN ON REPORT Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX   XXXX XXXX Unverified Account XXXX   XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Accou XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2018-08-31
Company: EQUIFAX, INC.
State: MS
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:
The company are breaking the law by the amount of Hard inquiries there putting in my credit report, XXXX XXXX, XXXX, have placed hard inquiries on my report on, XX/XX/2018-XX/XX/2018, and XX/XX/2018, without my permission, I've sent letters to them an the credit bureaus asking them to remove them, I never signed paperwork authorizing them to do this, could u please help me in this situation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
i tried to solve the problem with the bank but they have no power to do anything they signed me up years ago for cards i didn't need and was charged fee 's for cards i didn't need as i was a student and only that one was really needed so when i found out i stopped paying and wanted them to take the fee 's and cards off. then i went to XXXX for a XXXX XXXX attempt. i just went and tried to get a new card and my credit is to low. i would like them to reimbursement me for fees from cards that i didn't need. and also to work with me on dissolving my debt and open a rewards card with them for i had outstanding payment record before i got into it with them about unnecessary cards and accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$0.00} XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXT ) / XXXX / {$2100.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2018-02-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
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:
Toyota financial service reporting a balance and a payment on my credit report. I filed a dispute XX/XX/XXXX and they sent a letter stating dispute is resolved. My credit report today XX/XX/XXXX still shows balance due of {$4700.00}. And a payment owed of {$510.00}. The error occurred when I first leased my vehicle - Toyota opened two lease accounts in error. This needs to be corrected as it is still on my credit report. There is a note stating DISPUTE RESOVED. My credit report should not show I owe anything. This lease is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Receivables Performance Management, LLC
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: Old information reappears or never goes away

Complaint:
I found out on XXXX that I had an outstanding bill of {$76.00}. I called XXXX, who had the debt originally and inquired about the bill. I had no idea I even had this debt. No phone call nothing. I paid the debt immediately. Once I paid it everything is closed. I saw that the collection agency XXXX uses is RPM collections. I called to inform them that they are reporting to Equifax a debt of {$150.00}. It was exactly double of the original bill. I called to ask about it. No one knows anything. XXXX says call XXXX and XXXX says to call XXXX. So far no one will help. They are still reporting that I owe this money. The debt of {$76.00} was paid on XX/XX/XXXX18. Immediately the {$76.00} came off the credit report. But it shows that XXXX is still reporting it only the amount is the {$150.00}. I've asked for them to please research but they say it's paid and nothing shows. When the customer service rep looks it up they have the wrong address attached to my name. Neither side have even attempted to help until I spoke to XXXX again on XX/XX/2018. They said that they would look into it and might call me in 2 days. I've heard nothing. I've called many times. Won't give me a letter of paid in full either so I could handle it myself.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: SC
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 XXXX  Account Number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

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 2022-09-17
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
I had a PNC Bank credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, XXXX has not been reporting the date this account was charged off and the date of last activity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed this company certified mail and return, XX/XX/XXXX and it is now XX/XX/XXXX still no responds in the timeframe of 15 days

Company response to consumer: Closed with explanation