BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted a formal written request to all 3 credit bureaus ( XXXX TransUnion and XXXX ) on/around XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 7 months from my written request I still have not received any responses.

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 2020-12-10
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection company ( XXXX XXXX ) that informed me an account from PayPal was sold to them with a debit owed in the amount of {$2800.00} in my name from the year XXXX. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact PayPal at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Contacted them through mail. They have a fraudulent amount on my XXXX XXXX and XXXX. The balance owed was {$8200.00} and when I started disputing the information the cost went up on my report to {$12000.00}. They said my monthly payments was {$490.00} and they were {$560.00} a month. They have removed the collection from my XXXX report but not XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2017, I lost my Job, and for loan that I had with them of a monthly payment in the amount of {$500.00} was an excessive amout that ai could not pay in total. By calling the company and by calling the company I had the chance to set up a payment arrangement, which was to pay {$300.00} a month, but close to the end, the agent on the phone mentions that by changing the payment plan, the interest rate will raise by 15 % more, when it was already high enough for me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, 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:
AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2018-05-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. TD Bank has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified TD Bank of this in good faith with the hopes they would rectify this issue. TD Bank in bad faith has refused to remove these accounts out of my name. I demand that TD Bank remove these fraudulent accounts out of my name post haste.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Debit card fees when you use ATM that's not Wells Fargo they charge you additional ATM fee!

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2020-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX  XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/2020. 

Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account. 

I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX  credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report. 

I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX  XXXX account are on in the same. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have repeatedly disputed this Capital One account that continues to exist as an outstanding balance on my credit report. Capital one and XXXX XXXX XXXX refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

Capital One referred my account number ending in XXXX to XXXX XXXX XXXX. XXXX assigned a different number to this account XXXX and I paid this account in full to XXXX XXXX XXXX on XX/XX/2020. 

XXXX only reported to the credit bureaus that the collection account was paid in full, not the Capital One account with the original number ending in XXXX. XXXX never reported to Capital One that this account was paid or maybe it did and Capital one refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with Capital One and the other with XXXX XXXX XXXX but this is the same account. 

I have attached the documentation that this account has been paid in full from XXXX. I called Capital One last month and they assured me that they would get this taken care of and will collaborate with XXXX XXXX XXXX that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with Capital one with the account ending in XXXX and this is incorrect. This account has been paid in full with XXXX XXXX XXXX. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of Capital One and XXXX XXXX XXXX to refuse to correct this on my credit report. 

I also called XXXX XXXX XXXX  last month and told him that XXXX had assigned a different number than what Capital one had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by Capital One. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my Capital One account has been paid in full because the collections account by XXXX XXXX XXXX and capital one account are on in the same. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/2023 to XXXX XXXXXXXX, & equifax. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: AL
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:
accordance with the Fair Credit Reporting act Bankruptcy, 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 I submitted a dispute on XX/XX/2022, the company responded with statement of inaccuracy, my dispute was not about accurate it was my right to privacy and furnish account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Currently, I am seeking the return of {$8400.00} as well as any access monies that have been charged because the city of XXXX returned over {$9900.00}. Additionally i am requesting that the late fees charge for XXXX and XXXX be removed from my account. The supporting documentation, one which is an actual letter from TMS stating that there were no fees being charged and no payment due ( COVID related ) has been submitted. Additionally, the loan was entered into Forbearance in XXXX. 

I have email XXXX XXXX, who typically responds to these complaints but I am flooded with misinformation when I call this company. So much so that I have began to record my interactions with the representatives. I requested an escrow analysis and audit on the account that dates back to the periods which were supposed to be tax exempt. My biggest concern is TMSs allocation of money to their corporate account. This seems unethical and unprincipled. I would like to additional money I paid returned to me. 

I have never received a return call from 4 representatives who promised to make the necessary changes associated with the erroneous late fees, the removal of the forbearance and the return of the funds owed back to me. The city of XXXX conformed that the check was cashed by TMS. Additionally, i am owned approximately {$14000.00} in over payments. 

I will escalate this complaint to the Department of Veterans affairs, my Congressman and the Attorney General if this resolution is not accompanied by an actual audit of this account. The payments should have NEVER exceeded {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 Chime Visa closed my account and said it was due to inactivity when I called they apologized and reopened my account with no explanation of why but my funds were gone everytime I contacted them they blame someone or something else avoiding responsibility for the money its always a song and dance with them Im new to them and 3 days prior to them closing it I deposited money into this account all deposits equal {$1500.00} total its been 2 months and I havent received anything no correspondence of any kind as far as I can tell at this point banks can do whatever they want and Im just at a total lose please help me recover whats rightfully my family and I property Im a single dad raising teenagers I really could use my money returned to me I guess no one would be accountable for it unless I make them thats why Im filing this report upon googling this with Chime this is something they do and have done in the past to people its an ongoing constant issue and happens to unsuspecting people at random Im not sure if this is a game to them or whats going on theyre very good at deflecting any questions but I have any necessary proof thats needed upon request

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

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 2021-11-17
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/ Checkr initiated a background check for pre employment for a company that I intend to work. I spoke with someone and was informed that they are waiting for background information from the state of Georgia. I explained to the rep that I have never lived in Georgia and no affiliation to that state. Checkr just completed a background check less than a year ago for the state that I currently reside and Georgia wasnt even listed. I am not sure where they obtained a Georgia address but the information they have is inaccurate. I have reached out to the company twice to no avail. I am seeking a resolution and I insist they remove the erroneous information that they obtained immediately

Company response to consumer: Closed with explanation