BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. My request was sent via USPS Certified Mail, Receipt # XXXX and was delivered on Tue, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Drivers License, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card, which has no expiration date, for identity and address verification. 
Also included in my request for my credit report were copies of my previously submitted CFPB consumer complaints against TransUnion that document my consistent and continued attempts to obtain my credit report, which continue to be ignored and denied by TransUnion. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.

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 2020-06-02
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a letter in mail saying I filled out application for a discover account an I never did I wanted to know what was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX {$5700.00} XXXX. XXXX XXXX Bank {$2800.00} XXXX. XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: M&T BANK CORPORATION
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:
My account was reported 30 days late to the credit bureaus. The issue was that I never received the account statement. Previously my account payments were never late, I have maintained excellent payment and credit history. When I called to check my credit card, I found out that there was an outstanding balance, I went online to make the payment right away. This included the late fees imposed in the amounts of {$30.00} and {$15.00}, totaling {$45.00}. I paid the entire amount and called in to speak with customer service. They told me I don't owe anything, the account is paid in full but they can't help me correct the negative item on my credit reports with XXXX and other bureaus. I spent almost an hour, called three times and was told the same thing. I gave up and finally filed a dispute with XXXX about that negative item on my credit report. That has dropped 99 points from my credit score, which is hurting my credit history. This is not fair especially considering that I don't owe anything to the credit card company and had maintained an excellent record with them and other companies. They must inform the credit bureaus to delete the negative item right away.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

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 2023-05-11
Company: EQUIFAX, INC.
State: UT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX  XXXX : XXXX, XXXX/XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX I lost my job and became worried about being able to make my mortgage payments. I called Wells Fargo Home Mortage to ask at what point payments made after the due date would report to the credit bureau. After a lengthy conversation with WF about my situation/concerns they suggested I take advantage of a WF Forebearance Plan for my future payments until I became employed again/ or was able to make my regular payments. After 2 additional conversations with WF prior to agreeing to this plan, I was assured two senerios would NOT happen. 1. No late payments would report to the bureau and 2. No lump sum of money would ever be due from me ( all late balances would be added to the end of my loan ). In XXXX of XXXX, ( btw while I was recovering from XXXX ) I received a certified letter from WF stating that I was to pay {$13000.00} or my home would be in foreclosure. I was in shock. I reached out to them to try and get this resolved by explaining what happened but I was very sick so I borrowed the money and paid the $ XXXX to their attorneys. I was too sick to take this on. After recovering ( or so I though ) I had another XXXX in XXXX XXXX which again forced me to put this unethical treatment on the back burned until I could fully recover. In XXXX XXXX, I had a copy of my credit bureau reports sent to me. All 3 show late payments of 120 days from Wells Fargo. The $ XXXX was disbursed as monthly payments that were late even though I had paid the agreed amount on time based on their Forebearance plan amount. This negative reporting has been on my credit report 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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been charged a medical bill that I have no knowledge of. I have never been to that ER. I believe someone used my name or my ID and pretended to be me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Hi, I wanted to know how I can settle an issue with Cash Central. I just found out that I will be paying {$7000.00} more than what I originally owed them within the next year. To me that is ridiculous because i can not financially commit to something like that now. I have a credit score to fix and I have family to feed. I have made {$390.00} payments since XXXX till today ( XXXX ) with them and so far I am at {$2300.00} paid off to my debt and only have {$200.00} more. I really just can not afford the payment any longer than this last month. I am at a point of eviction to my home and tight on every budget i can think of. Cash Central has no intentions of helping me settle this debt and stop making me pay the interest on the loan. They threaten to take further action and get a settlement attorney and make me pay more. They are sharks and harass my family, my references and me almost everyday. I am over this, and all i want to do is pay my last {$200.00} and be done with them. {$7000.00} more into a debt of only {$2500.00} is outrageous. The lady I spoke with told me that I would pay a total of {$9000.00} to them once I 'm done paying off the debt!!!!!! {$2500.00} vs {$9000.00}? How the hell am I going to do this? I hope you can help. I really have nothing else to give and budge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, 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 status incorrect

Complaint:
My account has been reported as 30-59 and 60-89 days past due as follows : XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. 

I have made several attempts with XXXX XXXX to determine how this was determined, but I have not received a definitive answer as to how they have calculated the past due payments.I have requested printed statements, to assist me with such information but I have not received a single one. Statements were requested for the months of XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX prior to their due dates. The requests were made through a customer service representative. Customer representatives have provided misleading information ( i.e. minimum amounts due ) over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PEntagon Federal services my mortgage. They hold my escrow for real estate taxes and insurance. They have not paid my county real estate taxes or homeowners insurance. Both are due in 5 business days. I have called 4 times, with a total hold time of over 2 hours, and no one answers the phone. I have sent 5 emails/contact requests with no response. I have no way of communicating with them, and they refuse to return calls/emails. I will be delinquent on taxes and insurance very soon.

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 2020-06-01
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-03-11
Company: EQUIFAX, INC.
State: OH
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:
Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for an easy set pay 4 EQUAL payments. I didnt use all my limit just XXXX. States my first payment has to be XXXX. I tried to get this fixed they state I have to make 1 payment then it will split equally into my next 3 months. Thats false advertising I reached out 4 times and havent been able to get this fixed

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 2020-12-09
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam ; Out of the clear blue I received a DEMAND FOR PAYMENT letter from a XXXX  law firm called Linebarger Goggan Blair & Sampson, based in TX but with an office in XXXX CO. The letter screamed SCAM. They claim that I owe money for a toll on XXXX. I do not believe that I have ever even been on XXXX in my life, they want {$83.00} for what I assume is a $ XXXX dollar toll. They claim that they have made previous notices to me but not how or when and I have never in my life even heard of this company. 

The letter reeked of being a scam so I googled the company and discovered a very long list of complaints about this organization and their unscrupulous business practices. 

If I did incur a toll I would be happy to pay it, but not {$83.00} for a scammer. 

Can you please investigate this firm?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle at a XXXX dealership. The payment due date was set up there. We asked the salesman if he could get it on the first of the month. He told us we could set it up on the XXXX when we get paid with the Financial company called XXXX XXXX. We signed the deal. Immediately after we contacted the company and explained we wanted the payment due on the XXXX when I get paid my XXXX check. They stated they could only extend it to the XXXX, however that would not be a problem because we had a 10 day grace period with no charges. Then without warning sometime later Car finance no longer had the loan and a Flagship Credit Acceptance had it. I noticed they had been charging me late fees after we payed the payment. I talked to them multiple times and they would not even hear my complaint. They gave NO regard to my explanation. I have also noticed my payments have not gone down as they should and I have no idea whats going on. I have repeatedly asked for a breakdown of charges and they absolutely refuse to show me anything on paper. I am so up set with this company and I know i have been taken advantage of Financially. I have a Case pending with the Florida Office of financial regulation. Case number XXXX. The company will not even respond to them according to the person who is handling my case. I feel strongly I must elevate this to another level so I can get the answers and monies I feel are owed to me due to the inaccuracy of this transfer as I believe it is very wrong. I feel they are exploiting me because I have a XXXX. I am a XXXX veteran and I can do nothing. The payment interest is something I never understood when I signed these papers. Its seems very wrong that I am paying my payments and not allowed to even know what the principle is and how it was applied.

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 2020-07-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX I submitted a payment for the late fee which I incurred the previous month for {$70.00}. I did this by logging in to my account online and by choosing to pay the late fee only from a drop down menu. A few days later I noticed that Wells Fargo ran the payment for the entire amount of the regular payment ( {$1700.00} ) + the late fee ( {$70.00} ) totaling {$1800.00}. I did not have this amount in the account. I called my bank ( XXXX XXXX ) and asked if they could cancel or block the incorrect payment attempts by Wells Fargo. They said they could not. I called Wells Fargo and spoke with a customer service rep and an IT specialist. The IT specialist apologized and said she would look in to it. She also told me that my account was set up for auto payments. I NEVER authorized autopayments. They said the system would not allow me to make only the late payment. I said then the system should not have given me the option on the drop down menu. The IT specialist said she would look in to this and get back to me. Wells Fargo has attempted this 2 more times to date. I have incurred a {$29.00} insufficient funds fee with XXXX with each of these attempts.

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