BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written 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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS 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 2023-05-11
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-01-09
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft and i think my neighbors must have opened an account using my name because it's linked to the address nextdoor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've had a loan with Ally Auto Loan since XXXX, for XXXX XXXX. I have always paid more than the monthly amount of {$410.00}, except a few payments for months. It's the end of loan and I still owe. My last payment should have been XX/XX/XXXX if I had just paid the monthly payment of {$410.00} each month, however, I didn't. I paid {$450.00}. I feel this loan should have ended in XXXX or XXXX and for some reason I still owe more money and I have a 8.4 % interest rate. 

I'm confused. Why is that happening. I have talked to them and they keep giving the wrong information. I asked for a payment history 3 weeks ago and I have not received. I wanted the history to show how they applied payments. I have all my checks to show I made payments, when and how much. 

I have not received that information as of today, XXXX/XXXX. I have screen shoots on a few payments made in the last few months. I feel like I have gave money away. I was trying to pay it off early, however, that did not work by paying the extra money. 

I would pay extra money each month and it would show I owed less than the monthly {$410.00}, but I still paid {$450.00} or more a month. 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 2020-05-28
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2020 I placed an online order for a refrigerator at Best Buy. The order clearly states that delivery/shipping is free ; however, the day after the refrigerator was delivered on XX/XX/2020, I received an itemized order details statement showing that I had been charged a delivery fee of {$69.00} ( {$75.00} with tax ). I called Best Buy to get the " free '' delivery charge credited to my credit card but was told they could not issue a credit and offered me a gift card. I declined the offer and again asked that a refund be issued to my Best Buy Visa account. After repeated phone calls to Best Buy, on XX/XX/2020 I filed a formal dispute online and eventually filed a dispute with the Best Buy Citi Visa card account. 

On XX/XX/2020, I was notified the following by Best Buy Credit Services : " We are pleased to inform you that you have received a credit for the amount ( s ) below from BEST BUY. It has already been applied to your account and appeared on your billing statement dated XX/XX/2020. 
Transaction Amount {$210.00} We now consider this matter resolved and have concluded the dispute investigation. '' This is not resolved! The {$210.00} credit was applied as a " price match '' for the refrigerator I purchased, due to a lower price by a competitor. This credit has nothing to do with the {$75.00} " free '' delivery charge I am disputing! I have since tried to re-open the dispute but have not received a response from Best Buy Credit Services. Please help me get this matter resolved. I am asking for {$75.00} " free '' delivery charge be credited to my Citi Best Buy Visa card. Let me know what additional information/documents you require to make this happen. 
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 2019-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent and repeated calls, sometimes after XXXX XXXX and before XXXX XXXX, several times during weekend using fake numbers that appear local that when called back arent real numbers. Several times a day sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a " rocket Mortgage '' on Quicken 's site thinking I could do the mortgage online XX/XX/XXXX. I was then called every hour for about a week with people wanting to talk to me about a mortgage. I never received any disclosures despite them reviewing all 3 credit reports. I never received any documentation about where my scores were or what products were available but NUMEROUS calls about how their agents could assist me on the phone. After over 10 days of little to no documentation in writing I requested to ONLY be contacted in writing. I received 1 email and NEVER received any disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Since 2009, I have been requesting that Transunion add my XXXX XXXX account to my credit history as it is main credit card. When I make a dispute regarding this missing entry they tell me to call XXXX XXXX and tell them to report it. I have repeatedly done so and XXXX XXXX has been reporting it over the past 8 years every 90 days. I have cooridating several calls between Transunion and XXXX XXXX and they agree to report it on the phone and tell me to wait 90 days for it to appear, which it never does. As a result of them repeatedly denying this credit entry my score is XXXX point lower than the other XXXX credit bureaus and I repeatedly get denied for credit. Most recently I was apply for XXXX XXXX to help pay for medical procedures/bills and was denied because they only check Transunion. I can not get Transunion to cooperate. 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 2020-09-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX I contact td bank to get them to reopen my account and they refused the checks I have made cleared my finest account as a revels instead of it being a nsf I wrote XXXX check XXXX for XXXX and XXXX for XXXX all of which was paid I even emailed the bank telling and sent them proof the checks clead give me a XXXX credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where [ principal, interest, Escrow, etc. ] were check # XXXX funds applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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:
I bought my credit report on XX/XX/XXXX from TransUnion. There were numerous errors. One debt, the same debt, was reported more than 7 times on my credit report.
I asked for TransUnion ( TU ) to correct the errors and validate debts that were not mine. The letter was sent on XX/XX/XXXX via Certified Mail. I sent the credit report, proof that the debt was singular and not duplicitous, along with my i.d . and a pay stub for id.
TU failed to contact me within 5 days to acknowledge my request.
TU then sent me letters with the wrong name, with a statement that I needed to send additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!
I sent another letter to TU, via Certified Mail, informing them that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the errors listed in my credit report.
They responded to me with the wrong name and stated that TU did n't recognize my credit report or could n't find it, that I need to submit a better form of id ... to get my FREE CREDIT REPORT!
They did not validate my debt, delete duplicitous debts, or fix errors listed in my credit report within 30 days. TU continued to report the debt, failed to give notice the debt was in dispute, and failed to take any actions at all.
All letters have been electronically sent via Certified Mail, with proof, and are still in electronic form.

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 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Goodafternoon this is XXXX XXXX I'm emailing you to informed u that it was alot of unauthorized transactions has been done to my Capital one XXXX checking account, I've been complaining about the unauthorized transactions for the past 4 months now ... ... .And I have filed a complaint Capital One bank kept denying me of my disputes ... ... And also I file for complaint someone been using my credit card to make purchases through XXXX with my credit card ... .I have an outstanding balance with Capital One on my credit card that I was unaware of ... ... ..Capital One keep saying that was no error on their end when I have bank statements and a police report ... ... Capital One is not trying to reimburse me back my money ... ..Pls can u assist me with this matter as soon as possible ... ... U can contact me by email or by phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my 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 2020-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
On XX/XX/2019 my bill for {$340.00} dollars did not go through when it was submitted on Toyota Financial online payment site. I reached out to Toyota they said that sometimes those payments online may not go threw so we should always verify to make sure payment was accepted. Because of payment not going threw I received a 30 day late on my credit. I explained that it was the only 30 day I had ever received after leasing with Toyota for over 7 years could they remove it from my credit as a one time courtesy. I was told all credit disputes have to be submitted in writing and I did so and they denied me the removal. Due to this late payment it affected my rates for turning in my vehicle and purchasing another lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/18 I Accidentally Missed One of my payments for the first time ever with my Department Card. After realizing the issue and not receiving a bill in the mail, I payed the bill immediately the same day I realized my accident. I have never missed a payment on any card and was refunded a late charge by kohl 's. They were able to refund me a late charge of {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Colony Brands, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from XXXX XXXX that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX  and XXXX  need to be removed also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2018, Equifax asked for documents for me to lift a security freeze and restore online access although they always had all needed information from the original security freeze. 

I am trying to refinance my mortgage today and can not lift a freeze. I lifted with the two others and not with Equifax. 
I called today and they are asking me to resubmit the same paper documents they have from two years ago. This is not acceptable and now my mortgage refinance process is at stake on a tight timeline. They also have policies where they say I can not speak with them on speaker phone and are very unfriendly and unhelpful. I can not email them or do anything online to solve my problem I am stuck with a bad XXXX number. 

Please help me get my credit unfrozen and online account restored. Equifax is the only credit reporting agency holding my credit hostage during an important financial transaction. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX 2017 {$1.00} Wrong information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Capital Management Services, LP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At XXXX EST on Friday, XX/XX/2021, I missed a call on my cell phone from what appeared to be a local number XXXX ( XXXX XXXX XXXX. I called that number back on XX/XX/2021 at XXXX and asked if someone had called me. A woman asked my name I said this is XXXX, did you call me? She said yes, this is Capital Management Services and asked for my last name. I said you called me and Im not familiar with this company why are you calling. She said are you XXXX XXXX I stated that was my name, but its not now, can you tell me why youre calling, I dont think we have ever done business. I felt it was a scam. I XXXX  the name and it appears it may be collections, only I dont have anything that would have gone to collections. She said I cant tell you without your name, birthdate, or last 4 of your social. I said Im not giving you my info over the phone unless you identify what yorur company does. She proceeded to try to get my info. Birthdate and last four of social. I finally gave month and day of birth and she told me there was a discrepancy in the date she had versus what I provided ( stupidly I gave her the correct date ) so she wouldnt be able tell me anything without the last 4 of my social. I said I dont ever give my social to anyone over the phone ... nice try ... and hung up. Any legitimate company would tell you who they are and why they are calling and Im pretty sure collections has to identify themselves. I want to report them for fraud, misrepresentation, illegal, and unethical behavior. I found many consumer reports regarding similar tactics. I also read they try to collect debts that have already been paid or charged off. I dont understand how they can continue to get away with this.

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