BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello all my accounts where paid in full but its not reflecting. its the 2nd month I'm going for a mortgage and it seems to not being updated. Please have the companies update my accounts on my credit report god bless XXXX XXXX  card : XXXX - available : # XXXX XXXX/XXXX  card  : XXXX -available : {$10000.00} XXXX/XXXX card : XXXX - available : {$8900.00} XXXX  XXXX card:XXXX- available : {$9000.00} XXXX  card:XXXX- available : {$5200.00} XXXX  XXXX  card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} 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 2019-02-21
Company: Experian Information Solutions Inc.
State: RI
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:
Please remove XXXX XXXX RHODE IS XXXX from my credit report..It is showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

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 2019-10-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2017-12-11
Company: Shellpoint Partners, LLC
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TD BANK US HOLDING COMPANY
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 contacted TD Auto Finance on XX/XX/XXXX and asked them why they accessed by credit file on XX/XX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization they transferred my call around and I got no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX/XXXX card : XXXX -available : {$10000.00} XXXX/XXXX XXXX : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX card:XXXX-available : {$6000.00} XXXX XXXX available 1000.00 Please help 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 non-monetary relief
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am in the XXXX XXXX  and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.

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 2018-04-09
Company: Experian Information Solutions 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:
On XX/XX/2016, a court order was issued vacating a child support judgment, I contacted Experian Credit bureau and forwarded them a copy of the court order, they have done nothing to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.

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 2019-10-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I borrowed money from this XXXX XXXX, after two days i gave them the car on which i had borrowed the money. They refused the car. I was told that, " they will have to repossess the car at their time when they need it ''. I told them, i was going out of town for three months which makes me unable to make payments on the loan, please less resolve it this way. '' they told me that, " I don't make decisions for them when to repossess a car, its on their terms only. '' I told them that, " this will affect my credit. '' They told me that it was none of their concern. Today, they are demanding for the car or i pay their money. I have told them, " If they want the car, its not going to be reported as a repossession or i give them the actual amount of money they gave me 3 months ago without interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On aroundXX/XX/XXXX l returned the XXXX XXXX XXXX   XXXX that l purchase in Texas on XX/XX/XXXX as l was in process of Bankruptcy Chapter XXXX and Prestige approved the auto loan in which they was supposed to wait after my Bankruptcy Chapter XXXX and Judge discharged of XX/XX/XXXX. 
On XX/XX/XXXX l had major mechanical issues with vehicle and l was overcharged on purchase of vehicle and fraud auto purchase and loan with a high interest of 17 %. 
I respectfully requested that Prestige Financial Services pick up vehicle at XXXX XXXX XXXX, XXXX California with their third party vehicle recovery tow and vehicle was recovered with no issues. 
A vehicle inventory inspection was implemented with pictures and video for evidence for Federal government complaints case. 

Vehicle was returned to Prestige with no mechanical issues, etc. 

Since vehicle is returned to Prestige, there should be no Retaliation against me and been placed under collection to recover any remaining balance of {$17000.00} or any other amount after Prestige sells the vehicle in a auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: OneMain Finance 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: Information belongs to someone else

Complaint:
One main financial is saying I owe them money, in which I do not. I was a victim of identity theft and this was verified. I filled out a police report, I've written letters. The fact one main is reporting this account twice under 2 different names is a violation. ( one main, and one main financial ) this is not my account and needs to be removed from my credit file This has caused so much hardship in my life from having my identity stolen. They need to remove this from my file, they have nothing with my permissions or signatures use validate this on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Account information incorrect

Complaint:
This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from my 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 2021-02-24
Company: WELLS FARGO & COMPANY
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:
Respected Officials, I made a stop payment on 2 cheques received by postal mail from XXXX. Those cheques were sent by me from my account in wellsfargo. 

Date when cheques returned XXXX XXXX. 

Date when stop payment was made XXXX XXXX. 

Date when payments was rescheduled XX/XX/21 XXXX XXXX XXXX {$80.00} XX/XX/21 XXXX EditDelete XX/XX/21 XXXX XXXX XXXX {$50.00} XX/XX/21 XXXX EditDelete Normally wellsfargo provides credit to stop payment requests within one day. 

However, in this instance, on the basis that they have been crediting the account within a day, I had rescheduled bill payment to XXXX to return those cheques. 

However, wellsfargo chose to send bill payments but didnt credit the stop payment request I made. This resulted in overdraw on my account.

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 2021-03-26
Company: Big Picture Loans, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called to pay off my loan on XX/XX/21. I made a payment of {$600.00}. The amount the representative told me it would take to payoff my loan. I have been receiving calls and emails ever since that I still owe interest. The representative I spoke with NEVER mentioned anything about additional interest. Only that a payment of {$600.00} would payoff the loan. Even the receipt I download from the company 's website says my loan is paid in full. This company is scamming me for more money. I will not pay on a loan that I paid off and their receipt clearly states " paid in full ''. This has turned into a predatory loan/lending company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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:
Multiple inaccurate accounts are reporting on my credit file : 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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violations

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 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone stole my debit card information and made XXXX XXXX pay transactions totaling {$2000.00}. One transaction was for XXXX and one transaction was for {$500.00}. Bank of America flagged them and reversed the {$1500.00} charge so I called Bank Of America on XX/XX/XXXX the day that it happened and they told me that the {$500.00} one needed to process before they could file a dispute so I had to wait two days to file a dispute against it. On XX/XX/XXXX I called Bank Of America and disputed the charge. Now today I get an email that my claim has been denied and theyre not giving me my money back. I have never used XXXX pay in my life nor is it even set up on my account. They Resolved one charge for fraud but then denied the exact same charge. I need my money 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 monetary relief
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got alert today from my complete id fraud protection alert email saying I open the bank account in the chase so I went to the chase bank to confirm they told me someone opens an online account on XX/XX/1920 chacking and saving they told me someone hack my old information from chase inactive account I called three credit bureau and inform them already and I am reporting to FTC I don't know what ells to do need help please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  ; XXXX and Transunion are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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 sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing

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 2018-07-22
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vechicle payments were applied to a loan for my previous vechicle, which I no longer owned. I had to figure out where the payments went on my own, and explain this to GM finiancial, since GM finiancial had introduced a new computer system, and had major problems. I have phone records and email correspondence proving that I was adamantly pursuing a solution. Once found, GM promised me that the descrepincy would not affect my credit score while they  mailed me checks back so that I could reapply the money to the correct account. Checks took over 30 days to get back, whick delayed my payment. I asked GM finiancial specifically about how this would affect my credit, and was assured the payment would be reported as on time, sine they had the payment to the wrong account would have been on time to the correct account. I would have made extra payments to avoid this damage on my credit report if GM finiancial gave me accurate information that I asked for. Customer service was absolutely unacceptable through all of this, and I had no problem overlooking it as long as my credit was not affected negatively. At no point in all of this could I stay in contact with the same representative, and the representative could not find previous notes for the situation on my account. Everytime I would call, I had to start from the beginning, explaining the situation to the representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Pursuant to 18 usc 8, I owe no debt. This company is violating my right to privacy pursuant to 15 usc 1681 b 2. Company has also NO permission to report ANYTHING using my information pursuant to 15 usc 1681 4.

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 2020-12-12
Company: Synovus Bank
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synovus Bank who gives secured cards for first progress is misrepresenting a credit card and the information is misleading. my account had a balance and without going over my card limit it would not let me make additional purchases. after looking into the law about the secured card and how it is unlawful to make a down payment on a finance charge. I am furious because this has ruined my reputation and now I am without because of their misleading tactics and not being able to talk to someone about this.

Company response to consumer: Closed with explanation