BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion, and XXXX after numerous letters has refuse to remove unathorized inquires i did not give any permissible purpose or written consent. I contacted each company on my credit report and they told my to contact the credit agencies, which i have done and they still refuse to remove. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. You have not provided me with any information on how you verified these items. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit , Insurance Employment, Court Order The following credit inquiries are related to none of the aforementioned permissible

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 2020-11-28
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Virginia taxation about a taxation debt. I called they redirect me to a collection agency. i contacted the collection agency paid XXXX out front. the agency gave a monthly amount to pay, which i agreed. I receive a letter from the collection agency and the total amount they stated I owed is 2X higher what I actually owed to Virginia taxation. In addition, virginia taxation is applying all my refubds to the mount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: DISCOVER BANK
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The accounts that are still erroneously reporting on my account : DISCOVER BANK XXXX Date opened XX/XX/2018 Balance-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX, experian, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2019-03-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a XXXX XXXX XXXX customer sinceXX/XX/XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: EQUIFAX, INC.
State: PA
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:
Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which  gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Public record information inaccurate

Complaint:
XXXX XXXX, XXXX, and TransUnion has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I placed a security freeze through the automatic phone message system. I had placed it with the other 2 bureaus online where they allowed me to set my PIN. I had to do it through the phone as the automatic phone system didn't let me speak to anyone. I kept asking the automatic phone system to let me speak to someone and get a PIN before freezing, but it never did. Once I froze my account it didn't give me any PIN. 

I tried calling over and over and the automatic phone system kept saying it couldn't connect me to anyone unless I had a very specific reason. 

I created an account several times because the account was marked as " created '', but I never received an email and I could not log on. When prompting a password reset, the website said I didn't have an account. 

When I was finally able to speak to a customer representative he said to wait a day to try again as my account had been " locked. '' I tried calling again and the customer representative said there was 4 different " inactive '' accounts and that my PIN to unfreeze my account was sent to the email of my last account creation which I never received.

I'm concerned that their website allowed me to create 4 different accounts and 3 of them with the same email. Their system never sent any confirmation email or an email with the PIN. 

I ended up talking to XXXX, a person who claimed to be a supervisor in membership department and she was extremely rude, lied several times about what could be done and about me not having an account, and did not fix my issue with the account and refused to answer any questions, did not escalate any issues to tech or IT, and refused to fix my issue with the 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 2021-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX, This complaint is related to complaints opened already XXXX XXXX I have been receiving bill pay cheques sent to companies back directly to my home address. 

I received the check sent from XXXX XXXX. I tried to Stop payment on the cheque sent through wellsfargo bill pay account. 

When I click on stop payment, on following cheques, the action doesnt result in any result. Money is not credited to my account. I dont receive an email acknowledging my request for stop payment. 

XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX EditDelete

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 2017-09-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX, XXXX at XXXX XXXX I went to Well Fargo to lift a pledge of my personal loan and pay off the total balance of {$26000.00} was quoted to my personal banker who contacted the personal loan officer at Wells Fargo to pay off balance of personal loan. 
I verified my account information and the amount owed was verified by the loan officer at Wells Fargo, I told them I was closing the account by lifting my Pledge and paying in full on the spot ; I proceeded to sign my papers to lift the pledge and make my payoff payment with a withdrawal out of my savings, I got a receipt for the total amount payed on the loan {$26000.00} and the remaining balances into my checking and savings accounts. My personal banker requested I call back to make sure no issue arise and verify the loan was officially closed. Three days later I received a phone call that this loan was not closed due to an automatic payment that had not been withdrawn 4 days prior to the loan being paid off. To my knowledge that payment was included in the payoff. On the XXXX of XXXX 10 days later after the loan was payed off, it was explained to me that a payment of {$420.00} tried to come out on XXXX/XXXX/XXXX and " posted '' on XXXX/XXXX/XXXX but was rejected on XXXX/XXXX/XXXX was tried again with insufficient funds to cover second attempt which in return a payment reversal was done again on XXXX/XXXX/XXXX in the afternoon while that same morning I had came in for the payoff amount. As my final thoughts on this situation I still understand I payed my full balance per the conversation with the loan officer and  my personal banker.

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 2019-10-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In reference to original complaint XXXX while Comenity owns the card XXXX XXXX promotes it and the promo plans They should be giving full disclosure of terms of which consumers must verbally speak with card representative to apply payment to promo account As stated I worked for them and we were never informed/trained about these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
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:
XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Received notice by email on XX/XX/XXXX from Bank of America indicating they had made the decision to close [ my ] account. I have received no prior warning of this, my account was in good standing with no balance. I have had this account since XXXX. Is this a violation of california civil code 1747.85?

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid 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:
Please help me to reach a resolution with Capital One regarding their handling of a charge dispute. 
To provide a background summary - I purchased one year of biweekly massages with XXXX XXXX XXXX in XX/XX/XXXX. Part of the purchase was charged to my XXXX credit card ( {$380.00} ) and part of the purchase was charged to my Capital One credit card ( {$1100.00} ). 
I requested a refund of {$1300.00} from XXXX XXXX XXXX due to poor Customer service and for services not rendered on XX/XX/XXXX. They declined my request due to a no-refund policy. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX owner ) told me he would provide proof this policy was disclosed at purchase. However, this documentation was never provided and the company continued to refuse my refund request. 
Thereafter, I submitted a complaint ( # XXXX ) with the XXXX XXXX XXXX. They agreed XXXX XXXX XXXX did not adequately address my concerns or make a reasonable effort to resolve my dispute. The XXXX was unable to obtain the refund on my behalf and this complaint reflects as unresolved in their records. 
Subsequently, I submitted a complaint ( # XXXX ) with the Arizona Attorney General. XXXX XXXX declined my refund request and again did not provide proof of the no refund policy at purchase. I submitted my unsatisfied response to the Attorney General and am awaiting their follow up. 
Thereafter, I contacted XXXX and Capital One regarding the services not rendered and my refund request. I provided both credit card companies the same documentation - copies of my credit card statements, phone records, email communication with XXXX XXXX, print screens of the XXXX website and copies of the XXXX & AG complaint documentation for their reference. 
Based upon their review of all documentation, XXXX provided a {$380.00} refund for the services not rendered. 
Capital One initially provided a credit of {$910.00} on XX/XX/XXXX. They have since recharged my card for this amount on XX/XX/XXXX. I was told that because this was considered a service purchase, a contract or purchase receipt was required to dispute the charge. 
XXXX XXXX XXXX will not provide a purchase receipt ( presumably because it does not contain a no refund policy disclosure ). I did not sign a contract with XXXX XXXX XXXX. 
I simply can not understand why Capital One would reach a different conclusion and resolution to this matter. To be clear, Capital One has recharged me {$910.00} for services I have not received from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation