BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
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: Account status incorrect

Complaint:
I had an auto loan through XXXX XXXX for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.

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 2018-09-17
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: Account status incorrect

Complaint:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert  email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.

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 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America charged me {$35.00} for overdraft fees on XX/XX/XXXX even though my overdraft protection is XXXX and I never authorized them to pay a charge if I don't have enough balance in my account. I called them on XX/XX/XXXX and they basically said they can not help me. I believe these {$35.00} overdraft fees should be illegal. 

I want Bank of America to give my {$35.00} back. 

Thank you.

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 2021-09-12
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being harassed, abused and mistreated by IC Systems Call Center Representatives who is constantly and repeatedly calling my phone number, harassing me and using profane language against me for a medical debt from XXXX XXXX XXXX, thats not my debt or account, and is the result of identity theft. The medical debt or account is not my account or debt. IC Systems is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.

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 2018-05-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, 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 2021-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I won a big settlement lawsuit for my child i opened a CD Block account as order by the judge and the state of California with the highest interest rate. this was in XX/XX/2005. My child was a child as time went by the bank has done some unethical practices that i've ever seen. The bank has misspelled my daugther. and illegally took her the account with the proper notice and judge order. they allowed my ex husband to go and change the address without notifiying me or judge order and he's not even on the account. The bank took off the highest inrested rate as order and the bank failure to notify me or my attorneys and without the judges order. And its been 16 years and my child is XXXX now and i went in to switch the blocked account over to a trust account as order. And the bank said my daugther is my sister and taken off the account without notifying me, or judge order. The account hasn't grown in 16 years the lowest ever interest and i'm so angry

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are writing this complaint because of the way Wells Fargo has treated our accounts during the covid cares act assistance. When we requested assistance because we were not getting rents from our tenants the representatives told us that one of the options we had would be to extend the loan the number of months that we needed. I was very specific in not wanting a balloon payment at the end or to be added to my balance. We have other mortgages and they added the payments to the end extending the life of the loan. Wells Fargo misrepresented how they would help. I feel very betrayed as this was the only assistance that landlords recieved to help with unpaid rents. I want that money back they should be more compassionate with people in these times of need.

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 2018-05-01
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is in regards to XXXX loan number XXXX for XXXX XXXX as I am an authorized 3rd party on the account. 

When the loan was originated, I was never provided the required California Electronic Consent forms. This was further verified as these disclosures, and forms are not included within my loan file. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online. If you want the option of sending and receiving loan documents by e-mail or on a website, federal law requires safeguards to ensure that consumers like myself have the capability to receive such disclosures and are fully aware of the consequences of receiving documents electronically. Federal law also requires that your consent to use e-mail and electronic versions of information, disclosures, contracts, and other documents and records ( " electronic documents '' ) that would otherwise be legally effective only if provided to you in a printed/written paper document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-01-31
Company: Diverse Funding Associates LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is trying to collect a balance of {$1000.00} from a debt they purchased from XXXX XXXX XXXX XXXX that has a credit limit of {$300.00}.

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 explanation
Consumer complaint received 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( capital one ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They have called 3 days in a row I asked them to stop calling me I explained I am XXXX and in foreclosure and will be filing bankruptcy They said they will note the file. The 2nd day they hung up on me when I tried to explain what happened the first call. Today they threaten me with wage garnishment bank garnishment. I tried to tell him to read the note from the first call he would not listen. I cursed him out with stop calling me. They have called 3 days in a row and get more persistent. each time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2019, I went to the hospital for a XXXXXXXX XXXX XXXX. I was treated and discharged. Months later, I noticed that my credit score significantly dropped and saw a collections on there, specifically from the hospital. XXXX is acting as the debt collection agency. However, I was NEVER contacted by the debt collection company themselves. They have never established a connection with me personally. I was never sent the hospital bill to my current address and especially not sent any notices of debt collection from XXXX themselves. I am speculating they have sent the information to any of my previous address ( es ), since I have lived at two previous locations before my current one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: AZ
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 unfroze my credit report so that a mortgage company, XXXX XXXX XXXX, could submit a credit report request. I unfroze it for 2 days as the mortgage company said they would only need one day to submit the request. 

The next day, the mortgage company reported to me that the Experian was still reporting that my credit was frozen. I called the Experian to verify that my credit report was unfrozen. They asked me a number of questions to verify who I was and then told me that I would have to submit a request in writing since I had failed to answer the questions correctly. They refused to tell me which questions I had answered incorrectly or give me any guidance on how I was supposed to answer the questions. I later found out from contacts with XXXX that I had to give exact amounts in dollars and cents when I was asked for amounts of a bank loan, credit card balance, etc ... Again, this was not explained to me by the Experian representative. 

Since I could not get a letter to Experian before the temporary credit unlock closed, I waited until after my credit report was locked and submitted a new request to unlock my credit report from XX/XX/19 to XX/XX/19 as the mortgage company told me that they would have to submit a second credit report right before closing and I didn't want to go through any last minute issues with the Experian just before closing. Again, I received notification from Experian that my credit report had been unfrozen and, again, the mortgage company reported that the credit report was still locked. I tried calling Experian again but this time, after I put in my SSN, I received a pre-recorded notice that I had to submit my request in writing including my SSN, personal PIN, addresses for the last two years, DOB, a photo copy of my drivers license, and utility bills or bank statements addressed to my current address, and my two last bank or utility statements. I was also informed that Experian would not respond back to my mail request " for security reasons ''. 

Since I am trying to find out why they are not unfreezing my credit report as they reported they had, their lack of response to my letter is completely unacceptable. How am I supposed to know if they have fixed the issue or not? When am I supposed to tell the mortgage company to try again?

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 2021-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I attempted to use my Credit card and my credit card was declined. I logged into my Chase account and noticed that my credit card was closed without any notice. I called Chase that night and they told me that they are ending their relationship with me and closing all my accounts with them such as my checking 's, savings, and credit card. They said a letter will be mailed out to you. It took a whole week for the letter to arrive. In the letter they did not specify why my account was closed. I have a good credit score, pay all my bills on time, have a steady balance in my checking 's and savings accounts. I have a steady income. No fraudulent or suspicious activity on my account. What chase did was highly unprofessional. They did not provide an explanation on why they closed my accounts and did not offer to review my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 an account with XXXX XXXX XXXX XXXX that was a signature loan that went into default because I missed 2 payments. I have brought the account current and I am making payments on the account. The account shows Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
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: Old information reappears or never goes away

Complaint:
Transunion is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/XXXX  which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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:
Ive reached to XXXX  via letter to advise of these inaccuracies reporting on my credit report and asked for proof and validation of the items in which XXXX  failed to provide me with the proper documentation. I sent that same letter to XXXX and in which they werent able to provide proof which caused them to remove these items from my credit report. This negative thing is causing such great stress in my life which is causing me to not be able to move forward in my career and purchase new things such as home because of these inaccuracies. I am demanding for these items to be removed immediately otherwise I will seek legal action against the reporting agency, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.

Company response to consumer: Closed with explanation