BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i am having this credit monitoring issues from XXXX. i have been already filed some complaints on trans union, XXXX and other credit bureau companies , because of these companies am paying my car interest APR is 18 % and my car insurance XXXX , where every one used to pay XXXX . i have asked many of customer care persons of that particular companies but no use. those companies holding grudge and taking very personally and making me to face very hard time, because of these companies i am not getting any credit card and good credit score. new persons just came united states are able to apply credit loans and i am staying here from XXXX i can not even apply just one single credit card in USA this is weird .i have some issue with XXXX XXXX XXXX in XXXX still am having problem and facing very hard time with family because of these credit bureau companies. trans union person told even i can complain to Trump but no use it seems. that means they are holding government or what, i don't understand. i thought people can stay safe in America but because of these problems people are failing in their life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TD BANK US HOLDING COMPANY
State: CA
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:
On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : NORDSTROM/TD BANK USA. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All information is incorrect, and should not be reporting on my credit report. These items should be deleted from 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 2019-11-18
Company: EQUIFAX, INC.
State: GA
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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2018-11-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
promised me lower monthly fees by allowing me to make interest only payments and not explaining that this would increase the total cost of the loan. Told me I could trade the car in in six months. XX/XX/2018 was my purchase time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-09-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been looking for money to expand my current business and create a second location of XXXX XXXX Since XX/XX/2018. I have had at least 8-9 banks pulled hard inquiries dropping my credit score significantly. I wish to have these inquiries consolidated because they are for the same project.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been looking for money to expand my current business and create a second location of XXXX XXXX Since XX/XX/2018. I have had at least 8-9 banks pulled hard inquiries dropping my credit score significantly. I wish to have these inquiries consolidated because they are for the same project.

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 2020-07-03
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Pnc apparently stopped me from using this resource. Its not your call. Allow XXXX. Some of us arent making the same after covid and you XXXX  blocked this. Pnc needs to stop. Youre not helping small consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NJ
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:
experian has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX   XXXX Balance Owed : {$4100.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil

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 2019-05-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I checked my account mobile app SunTrust and noticed a check in the amount of {$30.00}. This check was a digital check from a company that fraudulently accessed my account. I called the number on the check XXXX the representative said this was XXXX and XXXX busy signal. The check with my named misspelled was not signed or authorized by me was cleared XXXX XXXX. I have no idea who or what XXXX XXXX is or how they obtained my information.It is a mystery what XXXX XXXX actually as a web search produces sketchy results. The company appears to offer mediation for business and customers for a fee. It appearing that SunTrust may be motivated to may have consulted with tis company and the company charged my account by mistake. In the past SunTrust has denied claims in the past with XXXX unrealistic excuses and perhaps this is retaliation for filing a complaint. SunTrust denied a claim for {$27.00} that is completely its fault and another fraud claim back in XXXX for XXXX XXXX who took {$130.00}.

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 2019-09-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 XXXX XXXX XXXX filed 4 collection notices with XXXX on my credit report for amounts as follows : {$610.00}, {$830.00}, {$770.00}, and {$59.00}. This apparent law firm is apparently in XXXX, Texas per a XXXX search, Most likely Mitchell D. Bluhm & Associates , LLC. No account information or contact information is provided in the XXXX report, and XXXX has no accounts in collections on my records. I have no way of knowing or contacting this firm with regard to these amounts, nor do I have any collections accounts in these amounts anywhere. This looks like fraudulent reporting and there seem to be numerous complaints about this firm online. I live in XXXX and have no ties or accounts in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fraudulent application made on my account, I would like for them to be removed, I did not authorize or made these inquiries, I contacted trans union many times they said they need a police report, which I have provided and also found out that by law we do not need a police report, its just a way for them to give us a run around, please at this point remove these inquires or I will take legal action within 30 days, trans union file # XXXX I would like these items to be removed : XXXX XXXX  XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had insurance because i was XXXX at the time and i guess they didnt update it into their system and i received multiple letters saying that i have to pay {$3000.00} and {$2500.00}. The date for the XXXX was sent out sometime in XXXX XXXX  2017 and i believe the XXXX can about just a couple months later. There was just not enough information for me on why i was being charged this if i had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX and I have lived in my home since 2003. In a recent effort to obtain my annual " free '' credit report, I spotted a wrong address listed in my name as living or having lived in XXXX ... I have never lived in XXXX. 

The problem may be that someone confused my name : XXXX with my daughter 's name : XXXX who does live in XXXX. She has been receiving date sensitive mail in my name at her address. 

Please remove from all 3 credit reporting agencies any address listed for me in 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 2018-06-13
Company: U.S. BANCORP
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom it May Concern, Im trying to report my credit card for unethical treatment re ; my last monthly bill. I recently charged a vacation for my wife and I on the card so it was somewhat larger than normal. I paid the sent statement in full, always have for life of card, and the credited a much smaller amount. As it turns out the extra interest was charged and I made a total of 5 calls to try to resolve.

The manager, XXXX< finally said a research dept will look into and get back to me on the XX/XX/XXXX of this month. In the meantime I asked for them to provide a copy of the check or documentation and was denied.

In this day of instant communication I find extremely poor customer satisfaction and dont know where to turn. My thoughts are if I have this poor experience other must have too.

They have admitted they read it wrong and research will be in touch. Can you help tell me how to fast track this issue??

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Cell ; XXXX XXXX XXXX Hme : 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 2019-09-05
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 information incorrect

Complaint:
An account on my credit report is reporting a collection that is inaccurate. The collection company is trying to report the collection as being newer than it really is. I Received a response from my dispute letter on XX/XX/XXXX from the collection company in which they validated the debt as accurate. Then I tried disputing this with the credit reporting agency Equifax three times. Letters sent certified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have not sent a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Rausch Sturm LLP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeated, unwanted and voluminous numbers of phone calls to my cell phone from Rausch Sturm ( located in Wisconsin ). This company has called my cell phone repeatedly and on a daily basis using a myriad of different phone numbers intended to appear from area codes in the XXXX, Texas area. Generally the calls appear in the afternoon, however, today on XX/XX/2021 I had yet another phone call from them with an originating number of ( XXXX  ) XXXX that rang at XXXX which woke me from my sleep and disturbed my peace. 

I do not have any valid, outstanding debt and there is simply no reason for these endless phone calls at any hour of the day, especially at XXXX. 

This debt collector is using unscrupulous methods to contact individuals by hiding behind many different phone numbers with multiple area codes as well, which has an unfortunate effect when I can not simply block one phone number and silence the endless array of phone calls due to the calls originating from alternate phone numbers. 

I have evidence of this call at XXXX and will gladly seek legal representation and file suit against Rausch Sturm if this issue persists, but I am hoping the CFPB will take action against them first.

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 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase is guilty of not posting charges chronologically, and charging me in a shady fashion to push my account into overdraft. They have a " 2 reversals '' policy for their overdraft fees and I have used this feature up in the last six months. I have had this account with them a little over three years. 
On XX/XX/2019, I checked my account to find I was {$18.00} overdraft. I had recently reached out to Chase about putting XXXX charges from days ago onto my account all at once at the end of the month. This was the case today. Nevertheless, I hurriedly had my mother transfer {$70.00} through the XXXX app into my account hoping to avoid the overdraft fee. Right after the transfer was completed I checked my account and there was {$50.00} in there. The next day I awoke negative {$88.00} overdrafted. This was XX/XX/XXXX. I had been charged the overdraft fee for three charges yesterday. I also had a new, non ACH Debit card charge for {$11.00}. I called to ask why I was charged when my account was not overdrafted by the end of the day. They claimed it was after the cut off time. 

I now had no money to eat. All the charges were days old charges from my XXXX. One from a week ago. All the charges were less than {$10.00}. I inquired about the {$11.00} charge. I had been told that they can not stop ACH Debit, but this was classified as a card swipe. I had signed a form at the beginning of my account stating I did not want them to allow my account to go overdraft, and to decline the charge. I was told by the manager on the phone that that didnt count and was deducted when I had money in the account. I checked my account today and I had three more late charges from XXXX, was charged {$34.00} for each. I was also charged {$34.00} for the {$11.00} charge I was told " didn't count ''. 

When I called the line and asked why I was charged for the {$11.00} charge, after a long period of " investigation '' the rep informed me that they treated this charge like an ACH Debit and just allowed it through. When I asked why a manager would tell me it doesn't count I was told they could not speak on " pervious calls ''. I asked them to pull my call and they refused.

I do not remember the manager 's name but I know the rep who transferred me to him was named XXXX. 
I am now {$200.00} overdrafted, and have not used my debit card for a sinlge swipe in five days. 
This is completely unethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I called Transunion XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items.

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