BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-09-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a mower on my XXXX XXXXt credit card on XXXX XXXX for {$3500.00} with deferred interest for 24 months. My first payment of {$140.00} was due on XXXX XXXX. I paid {$140.00} on XXXX XXXX. I mistakingly under paid by {$1.00} and paid another {$5.00} on XXXX XXXX. On the next month statement it reflected a {$27.00} late payment fee. Numerous calls to the customer support center were made without being able to speak to a real person, in excess of 1 hour wait times. I paid another {$150.00} on XX/XX/2020 ( due  XX/XX/2020 ). Because I only paid my regular monthly payment and not the {$27.00} late charge I was assessed another {$38.00} late fee. Additional calls to the support center were not answered. I engaged the on line service who said they would waive the {$38.00} late fee if I made an immediate payment on XXXX XXXX in the amount of {$200.00}. I paid this well in advance of my regular scheduled date of XXXX XXXX. The {$38.00} fee was reversed but not the {$27.00}. Additional numerous calls to help center have not been answered even though I have waited on the phone for 1 1/2 hours on hold. The online assistance will not reply to my latest request to have the Original late fee reversed. I believe this is financial abuse by the company and their inadequate customer service makes resolution impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-08-04
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had flooring installed in my home in XX/XX/XXXX, before the job was completed my wife noticed and brought to the attention of the installers areas of the floor that were uneven, soft and appeared to be defective. The installers stated the floor needed to settle and that the appearance would improve. The day before the job was completed the lead installer who was not present during the installation advised the price of the flooring increased by {$8000.00}. We also pointed out areas where the installers had caused damage, and that they had damaged our freezer door with a staple hole. Documentation was emailed to us with signatures that are not mine or my wife. I was provided a XXXX credit from Citibank ( Sears ) that was to be used towards the purchase. We have notified Citibank many times and was advised that no charges would be not incur during the investigation and dispute. However I am still receiving collections calls as well as past due statement for 6 months. I am a XXXX XXXX Veteran, XXXX 3 times a week, I use a wheelchair, walker and cane to get around my home. I filed with the BBB and the States Attorney offices but have not received a resolution, my credit report was recently pulled and this is affecting my credit score. I have not missed a car payment in 4 years nor a mortgage payment. The flooring is defective, bubbling, poorly installed in some areas as much as XX/XX/XXXX inch different. SHIP ( Sears ) states the flooring issue because my walls and floors are out of plum. The floors SHIP ( Sears ) removed from my home where 3 years old and consisted of Harwood, Ceramic, 1 room had carpet. The product XXXX ( Sears ) installed is a laminate, proposed by the sales  rep. as having a 50 year warranty and is a better product than Harwood. Sears wants me to remove the flooring, store in my home until they can pick up, the money we paid XXXX down is be used to pay for the damages caused to my home. They are asking that we drop the charges of forgery and not to make this issue public. I lost my left foot and a portion of my leg in XXXX to XXXX XXXX, I am now having the same issue with the right and will be starting Hyperbaric treatments to help with the healing if possible. We are seniors and do not have money or a lot time to spend on a lawyer. XXXX  ( Sears ) Area GM also visited our home and same the problems with the flooring, they remove the floors and install a porcelain product however it would cost XXXX. Yes we have allowed them into our home to view the defective flooring and the lousy installation, and the damages to our home.

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 2021-08-08
Company: MOHELA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX on XX/XX/XXXX I checked my consumer credit report and found Missouri Depart of Higher Edu has been reporting on my consumer credit reports.

Pursuant to FDCPA 15 usc 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. Also pursuant to 15 usc 1692e ( 2 ) ( A ) it is also a violation to falsely represent any amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2.00}

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 2022-11-07
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: Reporting company used your report improperly

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-07-17
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 Notice some Fraudulent inquires on my credit report that I did not Authorize please remove it immediately

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 NUMEROUS request 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 XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$0.00} XXXX  Inquired on XX/XX/ XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
No proper means of communication was ever established. This company fail to provide proper notifications and arrangements to clear the monies owed.

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 2021-05-20
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi, Back in XX/XX/2020 I opened a Checking account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could do it so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I'm living in XXXX and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me. I called a couple of more times and they didnt care about the travel restrictions going from XXXX to USA telling me the only option is to visit a branch. A year has passed and travel restrictions are still in place for non essential travel and the bank is refusing to give my money back. I have lost almost a full year of interest or any other gain I could get because the money is in suspense and since the account is closed I have not the certainty my money is safe. There has to be a way the bank can help me here in XXXX so I this issue can be solved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MS
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 never had a XXXX account and it is for over 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 2018-03-05
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.

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 2020-09-14
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX Allied Collection Se XXXX Allied Collection Se XXXX Allied Collection Se XXXX Allied Collection Se XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for  collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Allied Collection Se XXXX XXXX Collection XXXX XXXX Allied Collection Se XXXX Allied Collection Se XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Prepaid card never receive and My unemployment benefits was stolen on my us bank relia card.

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 2023-02-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit collection Services - I paid this account in full - was XXXX XXXX - two bills {$58.00} and {$21.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an issue with my account at my Credit Union. They erroneously froze my account so payments would not post out of it. This caused payments to Capital One to be reversed twice. I called my Credit Union and resolved this issue and issued them my payment before my due date well over the full balance.

My Credit Union is willing to print a letter on their letter head that states this is not due to any fault of mine but a clerical error on my account made by them. Capital One closed my card and refuses to open it back up despite still receiving payment on time and discussing this matter with them. I believe that this is unfair and proper payment was received. My card is now closed by the bank and this will reflect on my credit report. I would like my account re-opened.

Company response to consumer: Closed with explanation