BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Last year I signed up for FREE services from XXXX XXXX. I was sent an email from XXXX XXXX saying that my credit score went down. So I logged into XXXX XXXX. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services? 
Then 8 days later I get charged {$22.00} by TransUnion. I called them and they said by checking my credit report that day on XXXX XXXX that signed me up for credit monitoring for {$22.00} a month. 
This is ridiculous! They are taking advantage of EVERYONE. XXXX XXXX says they are free but they charged me {$2.00}. Then Transunion signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal! 
Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I did not authorize any of this nor did I sign for it I sent Transunion numerous letters and calls for them to investigate these action and delete, but nothing occurred. 

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 2023-08-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$30000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Company Inquiries : 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 2021-02-04
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Best Buy Visa Card was in XXXX balance. Today I received an account statement by mail. Statement up to date XXXX charged a total of {$4.00} for the following transactions : Date Transaction Charge - XXXX ... XXXX XXXX XXXX  XXXX ... .... {$2.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} I call Best Buy XXXX and report that I notice the above fee charged by them to my account for a transaction that I did not made or authorized. 
They give me the option to close the account. I agree to close the account. 
They told me they will make an investigation. I told them that I was worried of the card being used by other person or the possibility of identity theft. During the phone call some personal questions where made by them like my actives phone numbers, my address and to give a password for contact me for the future for the investigation. I told them to contact me by letter.

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 2023-11-27
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I booked a hotel for a stay on XX/XX/XXXX through XXXX using my Citi Card ending in XXXX for {$160.00}. I tried to cancel the reservation with XXXX within the allowed time for a full refund which is before XX/XX/XXXX and no response was provided by XXXXThis notice was sent on XX/XX/XXXX through email. I then tried calling XXXX and resolving and they could not find a record of this and then would not refund. 
On XX/XX/XXXX I submitted a claim to Citi to dispute this charge based on the above information. 
On XX/XX/XXXX Citi resolved the dispute in favor of XXXX based on information provided by XXXX not acknowledging that I tried to cancel before, only stating I called asked to refund after the cancellation date. 
I did not stay at the hotel, and tried cancelling before the XX/XX/XXXX date and was not able.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: MI
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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2018-08-11
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After filing a complaint with this office on XX/XX/2018. XXXX XXXX has promised to make us whole and fix the reporting to all credit agencies. I have made several attempts at contacting the company and the company contacted me one time and stated they were still working on fixing the credit reporting of one of our accounts. According to all 3 credit reporting companies, 1 of the lease accounts still shows Early Termination/ Status Pending. We have received a check from XXXX with a refund of extra monies applied to our account in overage. This information does affect the credit report and has been affecting our credit reports for many months now. They refuse to correct their mistake and has sent notice to us the customer and you as the complaint receiver stating they were in the wrong and would fix the problem. As of XX/XX/18, our credit reports still reflect this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have both a savings account and checking account. Because the bank required it for a loan, I had an automatic transfer every month from checking to savings. Last week, I got an email telling me that the transfer did not happen this month because my checking account does not exist. Spending more than an hour on the phone, I got a number of different answers and was told to send an email to XXXX explaining the issue. The phone reps also told me that my checking account was fine, but my savings account had been XXXX because of lack of activity even though I had the activity screen pulled up and there has been at least 1 transaction every month. 

I got an email back from the abuse address that told me I should be using the customer service number for quicker response rather than an email.

I got another email from the abuse address, telling me that the message about my checking account not existing was a valid message. Then I got a letter in the US Mail, also telling me the From Account ( my checking account ) " Account Does Not Exist ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters about the alleged auto loan from XXXX. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: DISCOVER BANK
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About XXXX or XXXX weeks ago ( XX/XX/2023 ) I wrote to XXXX XXXX, Discover, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by XXXX XXXX, Discover, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments not processing/site not working. I paid on Friday, said my payment would process by the XXXX and it has not. I can't even log into the site to check things and the wait time for a call is XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 two companies that trying to get the same money ... XXXX  XXXX XXXX  the original credit reports charge off balance XXXX ... and still report account incorrectly ... .they sold account to XXXX XXXX XXXX XXXX ... .they are asking XXXX ... ..will upload proof two letters from both companies asking ... XXXX XXXX XXXX  should not be reporting anything it should show sold/transferred they are in violation.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-11
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The monthly mortgage payment process with Village Capital LLC is inefficient to say the least. I have paid my mortgage through my bill payer service with XXXX XXXX XXXX. 
Village Capital is purposely not processing the mortgage payments to then charge late fees. My payment in XXXX took 12 days to clear once received. They charged me a late fee of {$72.00}. My XXXX payment was mailed on the last day of XXXX and as of this writing, XXXX XXXX, according to the online site, have not received the payment. Trying to contact Village Capital ' customer support is impossible the last three weeks with approximately 4 hours on the waiting line and no return call made by Village Capital LLC about my payment issue. 
Village Capital & Investment, LLC XXXX XXXX XXXX XXXX, TX XXXX Customer Support XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

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 non-monetary relief
Consumer complaint received 2021-02-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account was sold from XXXXXXXX XXXX  to Carrington Mortgage Services , LLC ( XXXX. XXXX XXXX ) XXXX, TX XXXX. 

Since my loan has been sold to Carrington Mortgage, I have experienced several incidents that have happened where the Company can not explain the misappropriation of funds that are being sent. After speaking with several representatives at the company, there is no one that can precisely explain why my monthly mortgage is not being applied and processed. 

1. I have several concerns with my monthly Mortgage money that has not been applied to my account. 

2. My monthly mortgage payment amount is being changed without any notification or justification.

3. The monthly amount that is being paid is not applied to the applicable areas appropriately ( Escrow, Principal, and Homeowners Insurance ). It appears on my statement that is broken down into separate payments and not applied entirely. 

4. Incorrect escrowing has caused a shortage of my property taxes.

5. Payments not being processed accurately or in a timely manner.

6. Customer service provides fraudulent information about my account, that contradicts my personal banking statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: SC
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 sent several disputes letters to XXXX and Equifax informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my XXXX and Equfax report immediately : EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX 's nor Equifax 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.

Company response to consumer: Closed with explanation