BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2018-05-16
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted XXXX XXXX they said they don't own this collection it belongs to cbe group. I don't own no collections I wa in jail. they say I owe XXXX I don't own this. Threatened will ruin my credit if I don't pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Credit Corp Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit reporting agencies. I did not sign a contract with Credit Cop solutions Inc. They are trying collect on a debt originated with XXXX XXXX XXXX XXXX XXXX I received a letter from them stating what the feel was debt validation. It including no documentation, just them giving dates to when they acquired the alleged debt. I sent them a letter via registered mail XX/XX/2022. Requesting validation documentation. Explicitly outlining my request and gave them a 30 day time frame to send the info. They in return sent me a envelope with copies of statements from the original creditor only. No proof they owned the debt. No contract from the original creditor. They even falsely stated this not time barred and they have they right to pursue this debt. 
Attached you will see the letter sent to them and what they sent in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
TD Auto Finance has been calling my number ( XXXX XXXX XXXX ) for the entire two years I have had this number. When I was assigned the number I tried to get them to stop calling but was ignored. Since then, they have left nearly a XXXX robocall messages. The number has been on do not call list since 2003.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX, 2019, I made a payment from our checking acct in the amount of {$4000.00} through XXXX XXXX XXXX bill pay to XXXX Master card, Barclay Bank and the following day I realized that payment was suppose to go to XXXX XXXX XXXX Visa.  So I called XXXX and asked them to intercept this payment but was told that they couldn't. So I called Barclay bank and asked to return my $ but at that time the payment hadn't processed yet so they couldn't do anything. The following day, I called again and asked to have that money returned to my XXXX account electronically but was told they don't do that but they would return the funds by check and it would take 7-10 days. We were going away so I assumed the check would be in our mail upon our arrival him. XX/XX/XXXX, no check. On XXXX, I called Barclay Bank and asked where my check was and was told it was sent back to bill pay processing company. ( Payment Processing, XXXX XXXX XXXX, XXXX Ill. XXXX ). A case was created XXXX and an investigation began & I would hear back in once again 7-10 days. I then called XXXX and they conference called Barclay XX/XX/XXXX with me and requested they transfer those funds and again was told they don't do that. XXXX  requested batch # of that refund check to XXXX XXXX & Barclay requested proof from XXXX that payment was withdrawn from our account and not returned to that account. XXXX faxed info & on next conference cal XXXX requested transaction # for round check, Barclay-no transaction #, how about a batch #. Barclay was to fax the batch # to XXXX within 48 hrs. Next conference call On XX/XX/XXXX I requested a supervisor from Barclay & she gave XXXX a transaction # of XXXX & they once again were to fax a copy of returned check to XXXX and I requested a copy mailed to me, that would take 15 business days. As of XXXX I still have no answers let alone my funds. I emailed a complaint to Delaware banking commission and am still awaiting a reply. XX/XX/XXXX after a call to XXXX, was told they're still investigating it. XXXX case # XXXX. I expect my funds returned and as I've expressed to both banks that if I'd been late all this time in paying my fees & interest on that amount of money would be astronomical.

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 2016-10-18
Company: Foreman Financial Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX a vehicle that I received a loan for from Foreman Financial was impounded. After realizing I was unable to get the vehicle back, I began trying to work with Foreman. I took the loan out in XXXX XXXX, and made a payment on the vehicle every month and was not in default at the time of the impound. Foreman later sent the vehicle to collections. The collection agency was requesting XXXX, but I had made all the payments, and the loan was only due for one year of payments. I sent a formal letter requesting a payment history and the supporting loan documents, but instead it was charged off and placed on my credit. I feel it was unfair as I was willing to payoff of the loan to prevent the credit impacts. I want this off my credit and my mothers ( XXXX XXXX ) and I want the chance to pay the remaining payments, as I was told they were going to allow me to do.

Company response to consumer: Closed
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
While on vacation a fraudulent charge was made on my account. A restaurant had taken my card to settle the bill and it charged the correct amount which I agreed to. While they had my card they must have swiped it again for a fraudulent amount which I did not realize until I got home. I instantly locked my card and disputed the charge. I have tried calling Citi Bank many times and I keep getting transferred to different departments or lied to. One time calling the person I was on the phone with had told me that he had credited my account for the fraudulent charge and that I should see it in a few business days.He must have lied to me just to get me off the phone with him. After a few weeks I called back and they let me know that was not true and the claim was denied and closed. I have tried many different ways to contact Citi bank but they have made it very complicated to get a hold of someone who can actually help. 


The date was XX/XX/XXXX and the amount was XXXX. 

Here are the details of the charge on my statement without including any PII. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-23
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:
I am a victim of identity theft I have contacted credit bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that the item came back validated even though the information is not correct.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my XXXX account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW

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 2022-06-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My phone was stolen morning of XX/XX/2022 and the thief downloaded an Apple Card in my name. I have already filed a complaint with Apple Card specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: GA
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:
Back in XXXX of XXXX  I rented a car thru XXXX XXXX Upon trying to pick up this vehicle I was informed they do not rent to Ga residents. So I informed XXXX XXXX  about this in which was stationed in XXXX and they laughed about it. I contacted my bank Wells Fargo about this and my money was refunded back to me. Now Wells Fargo is pulling out the XXXX dollars because they said XXXX XXXX sent them the terms and conditions and that since I was late picking car up they wanted there money. The man with XXXX XXXX  said he could not leave the car keys in there lock box because I'm a GA resident. I explained to Wells Fargo numerous times to please contact XXXXXXXX XXXX XXXX  and even go on there website and they will see they do not rent to GA residents. So Wells told me they would not reopen my case and they will be pulling the funds back out of my account. This is fraud at this point. I could not get this vehicle with a GA drivers license and Wells Fargo will not do anything further to help me resolve this and hold XXXX XXXX XXXXXXXX responsible. I receive XXXX benefits and I can't afford to be ripped off by my bank because they refuse to handle this case responsibly. 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-14
Company: O&L LAW GROUP, P.L.
State: FL
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:
My bank account has be frozen. I was notified in a the middle of XXXX arrangements for my mother in law, that every account has been frozen for a debt I own but I not aware of anything that I am not trying to take care of. I returned home XXXX XXXX XXXX and they told me to contact O & L law firm in XXXX Fl I have left several messages and it 's Friday they not in the office. I pulled my XXXX and XXXX reports nothing about any judgements listed. I do n't know what to do still recovering from the storm no food in house and no money and my daughter at college ca n't get her money because my sis is on her account and now it 's locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
Company: Experian Information Solutions Inc.
State: TX
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. 

Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # 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 XXXX 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 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 2021-07-01
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC BANK sent my wife and I mortgage statement dated XX/XX/XXXX, which states we owe them an additional {$100.00} for past fees in XXXX, ten years ago. I spoke with two representatives at PNC BANK on XX/XX/XXXX. Their names were XXXX and XXXX in the XXXX, Florida office. They said that the fees were associated with five faxes at {$20.00} a piece in XXXX. I asked them for information on these faxes : Names, dates, times which PNC representative sent them and to whom these faxes were sent. They did not have information on these charges but will get back with me in 48 hours. XXXX stated they instituted a new PNC system to recoup these fees and threaten me about back loading my loan with this fee and late charges if we do not pay this! 

We have never missed a mortgage payment with this company or any other previous obligations. We feel PNC is trying to extort money from us or foreclose on this residence. 
This is causing great consternation with an institution threatening our well being especially in todays climate.

Company response to consumer: Closed with explanation