BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit bureau is reporting an outdated closed account with XXXX XXXX XXXX. This is account is older than 7 seven years. I have disputed this outdated closed account with the credit bureau several times.

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 2020-07-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase during a promotion period in XX/XX/2019 using my credit card. The promotion was no interest paid for 12 mths. My statement said in XXXX to not be charged interest when the promotion ends I would need to pay off of the promotion balance before the promotion ends. In XXXX I made two payments equal {$930.00} which was more than promotion balance. The bill did not specify where I could allocate my payments. I assumed based on the amount I need to pay the large payment I made would go towards paying the promotion balance. I continued making my regular payment and sometimes more than the minimum balance since then. 
I noted today that my card amount due increased by over {$200.00}. This is because an interest payment of {$200.00} was applied. When I called them I was told that the XXXX payments where not applied to the promotion and I should have called customer service earlier and let them know to change where these payment were allocated. 
I was told the only way to avoid paying the {$200.00} interest is to pay off the {$480.00} balance by XX/XX/XXXX and they can't reallocated the {$930.00} payment because their system made the best judgement of applying my payment as a regular payment instead of the promotion,

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 2023-05-09
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed late payments on my credit report. Nelnet can not provide me with a date that payments were due. When calling the Nelnet customer service, I am advised to mail in or email my dispute, which I have done several times. I am also informed that the accounts are close, which I am aware of. However, they continue to report late payments on all three of my major credit reports without proof that it was ever late. I have also tried disputing this with all three credit reports. The credit reporting companies then rely on what Nelnet provides them and I never receive a copy of what is provided. Nelnet is unable to prove that I was late on any payments and gives me the run around when I am trying to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 attached an FTC report with a collection and inquiries I did not authorize

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 2022-11-26
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2020-07-22
Company: First National Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a XXXX XXXX in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX  XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sequium Asset Solutions LLC is reporting to XXXX I owe {$120.00} for an account opened in XX/XX/2020. Then reporting to XXXX that I owe {$140.00}. I have never done business with nor made any payments to this company. When I sent out a letter for validation, nothing was returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Two separate transactions of {$79.00} paid towards XXXX XXXX XXXX in XXXX, NJ had posted to my account more than once after it originally posted. Wells Fargo states that despite the confusion, nothing went wrong on their end. When I asked to close account, they hung up on me.

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 2020-07-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I checked with CapitalOne on XX/XX/XXXX to find out my credit card balance and was given the amount of {$1700.00} by their system and online. I paid the balance in full, as I was considering closing the account. 
On XX/XX/XXXX, I found out that CapitalOne had not updated my information with any of the credit bureaus since XX/XX/XXXX and when I went to my CapitalOne account, it now shows that I have a balance of {$14.00} added XX/XX/XXXX. I have not used the card since I paid it off on XX/XX/XXXX. The charges are for Cash Advance Interest {$1.00} and Purchase Interest Charge {$13.00}, plus they are charging daily interest on this balance. 
CapitalOne is charging interest on a {$0.00} balance and also charging daily interest on the interest? This can not be legal. 
I contacted the company and was initially told in so many words " You do not understand, we can do this. ''. I contacted the credit bureau and was advised to try one more time to speak with the company before filing a complaint with them. I called CapitalOne again and spoke with another supervisor who informed me that although it " appeared '' that I'd paid my balance off, there are interest fees that accrue daily and those had not been included when I made my payment. I asked how was I to know that there were other charges when both of their systems ( phone & online ) provided me with the amount due? I was told that I should have spoken with an actual person, a CSR. How was I supposed to know that their system doesn't provide accurate, updated information? Then I asked if they would waive the {$14.00} fees. Not only did CapitalOne refuse, they also said that they are charging interest daily on it and as of today, the amount is {$14.00}! How can companies get away with doing this to people - especially during a pandemic????? I know it is less than {$15.00}, but it is the principle of the whole situation. I paid the balance - or so I thought, because I was thinking of closing the account. I paid and closed some others at the same time as well. 
But these guys are trying to hold consumers under their thumb with these fees that make absolutely no sense - with horrible customer service to top it off. 
Is this legal? I want to file a complaint and ask that the FTC and credit bureaus launch an investigation into CapitalOne 's practices. Charging interest on a {$0.00} balance and then adding daily fees on the interest that should not be there in the first place??? This can not and should not be legal. 
By the way, this is just a regular platinum credit card. Not a pre-paid, green dot or whatever or anything like that with special terms and stuff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield XXXX, Fl after reviewing credit I notice debt on my account, no prior information was sent regarding acct. Believe this is fraudulent charges from landlords who take advantage of their tenants. Was told all was ok after moving out. Received Certification of rent paid but nothing regarding debt. Believe XXXX XXXX are making false claims and trying to get others to pay for the wear and tear of their property that they always refused to fix.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am a recent victim of a scam artist. Something I didn't even fathom would happen to me. I sold some furniture on line and the person paid me with a certified check and because of the amount XXXX {$1800.00} deposited on XX/XX/XXXX ) they needed me to take out the fee of the furniture ( {$450.00} ) and send the {$1400.00} ( sent XX/XX/XXXX ) to the movers to cover fees. I didn't think anything of it because many companies move employees and will send a check as payment. The next day ( XX/XX/XXXX ) I get a bank notification of my account balance of being XXXX in which I am devastated. The person of course can't be reached at all. I called my bank, XXXX XXXX XXXX and made them aware of the situation and the told me because it was through XXXX there was nothing they could do. I have some upcoming payments that will cause me overdrafts fees and I don't get paid for another two weeks. Not to mention I planned on taking care of other household needs with that money including moving for next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
3 accounts from my Doctors office were sent to this company for collection, I spoke to a very pleasant representative that agreed with me to delete the account on collections for a full payment, she used of verbiage tactics to agree with me and the account was never deleted. When I called for a follow up I spoke to a manager named XXXX who kept repeatedly using confrontational language and trying to talk me out of what I had originally agreed with the Representative to whom I had made payment to. He multiple times suggested that he wouldn't listen to the recording of the call because he already " knew his employees would never do that '', despite me kindly asking him for a review. 

The way he spoke to me was more stand offish than the debt on my credit file itself. 
I felt lied to and manipulated by this company using abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had an account with XXXX  XXXX XXXX I had money issues due the economic collapse of the real estate market last spring. I contracted XXXX on XX/XX/2022 to pay off my account. They told me they submitted the account to XXXX XXXX XXXX, a collection agency. I had not received any notification from XXXX and I was out of the state as well. XXXX gave me their information. I called XXXX and made the full payment with my check card. They told me my account would be updated on my credit report. It never has been. XXXX continues to update it as debt owed for the full balance that I paid, it is a bad debt. I have disputed this with the credit bureaus numerous times over this past year. Now that I'm looking to move XXXX miles away, I am being denied an apartment due to this appearing incorrectly as a charge off unpaid on my credit report. I have tried to dispute it through their credit reporting company and it is coming back the same way.

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 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased XXXX tickets on XXXX in XX/XX/XXXX. And the show was cancelled and the tickets were refunded in XX/XX/XXXX. I should have to get the refund in XXXX, but I did not get it at all till XXXX. XXXX said they have already refunded me and I should find BOA. Therefore, I filed a claim with BOA to resolve this in XXXX. While I provided enough evidence to show that I should be refunded, however, BOA said that the claim is out of their time frames, which is so disgusting. My money could not get back .....

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Added on fees and high interest rates!

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