BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX XXXX I do not recognize this credit inquiry on my report, spoke to transunion but agent refuses to help regarding this issue. I have tried numerous occasions to get this deleted still to no avail. 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this credit inquiry or this bank as well on my report, spoke to transunion but agent refuses to help regarding this issue. I think my account info may have been sold or possibility of fraud. I tried many waya with transunion no help

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 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.

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 2020-05-09
Company: DISCOVER BANK
State: NY
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:
On XX/XX/XXXX Discover closed my account which I had since XXXX with not even one derogatory remark and with a credit limit of {$18000.00}. When I called the company they claimed it was closed due to inactivity even though I explained that I use it to make large purchases and that it hasn't even been a year since the last time I used it. They explain that I would have to apply again and lose my credit history since XXXX. It is unfair that they would do this without even notifying me first. Now my credit score dropped due to my credit utilization increasing after losing this credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$20000.00}.

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 2018-06-08
Company: EQUIFAX, INC.
State: AZ
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:
Submitted numerous disputes with fraudulent credit card, XXXX Credit Card, and with all of the credit bureaus, showing on my credit report. Submitted multiple times, through fax and mail my police report, identity theft report id and copy of the regulations requesting immediate deletion from my credit report. XXXX and XXXX  have both deleted this account. Equifax has NOT. I followed up numerous times to get status updates and have been told for over 30 days multiple times that it was still being investigated. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX from a XXXX of XXXX, CA on sunday, XX/XX/XXXX It was late at night and my bank was already closed so I was unable to get a check to write to them. I was told that I would be getting a XXXX XXXX XXXXXXXX Loan and shown XXXX XXXX XXXXXXXX paperwork and told that if I paid it off within the first 30 days I would not be charged interest. 

I attempted to go to XXXX XXXXXXXX XXXX on XX/XX/XXXX to pay off in full and the when the bank was unable to find the loan I called XXXX of XXXX to ask who held the loan. I was informed that XXXX XXXX XXXX ( a division of Toyota Motor Credit Corporation TMCC is the authorized attorney-in-fact and servicer for XXXX XXXX XXXX. ) held the loan when I asked for the loan number I was told that XXXX of XXXX had just mailed in the paperwork that day and there was no loan number associated with my account since XXXX XXXX had not had time to receive and process the paperwork. It was suggested that I contact them next week to get a loan number. When I contacted XXXX XXXX XX/XX/XXXX to pay the payoff amount has already increased by {$78.00}. 

I do not understand why I am being charged interest when I was told it was literally not possible to pay off my loan on XX/XX/XXXX when I called XXXX of XXXX. 

How is it legal for a company to accrue interest when they do not give the consumer a way to pay off the loan? 

I made a full payment to the loan on XX/XX/XXXX and received an email from XXXX XXXX stating that the payment was received. Then on XX/XX/XXXXXXXX XXXX emailed me at XXXX saying that the payment was rejected despite the fact that I had the funds in my bank account. I called in on XX/XX/XXXX to reattempt payment and was told the account was closed and that I would have to wait for them to reopen it before I could pay it. Again they are accruing interest while not providing me a way to pay. I have called their customer service multiple times today but they are not able to immediately reopen my account and I have to wait to next week to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in XX/XX/XXXX. However, any accounts with XXXX were filed under bankruptcy. Also, XXXX XXXX purchased accounts from XXXX and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXXXXXX, Portfolio Recovery as reinstated the debt to read XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Purchased tickets through a private sale. Tickets were transferred to me via XXXX, I paid for them through XXXX. Once tickets were paid for the seller voided the tickets and disappeared. 
Seller info is XXXX XXXX email : XXXX phone number XXXX Transactions through wells fargo. I called them within two hours of these transactions, I had paid for one ticket at a time. They claim that it is not secure and you shouldn't use it unless you are family or friends with the person you are sending money to, even though on their very own website they claim it is secure. 

I feel wells fargo is being fradulent in that they refuse to refund me the funds back. 

I have all of the emails from XXXX and wells fargo regarding the transactions and can forward them to the necessary individuals.

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent 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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.

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 2018-02-07
Company: Worldwide Processing Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received call from Forward Movement Recovery at XXXX stating I had made and online loan in XX/XX/XXXX while working for XXXX XXXX XXXX using a XXXX address. I did not live in XXXX in XX/XX/XXXX nor had I lived in XXXX since XX/XX/XXXX. I also made no online loan application during XX/XX/XXXX or in then years since I had been in XXXX. No account number or business name of the original lender were provided nor address of Forward Movement Recovery were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, Wells Fargo started the 6 years of horror for a Home Modification, which I fell victim to Wells Fargo Scam or Glitch? Lost my home of twenty years XX/XX/XXXX. Spent all my money on attorneys to desperately save my home. I did everything W. F. ask for in a quick and timely manner, it was a vicious circle. I always felt uneasy, scared, desperate, sleepless nights, weight loss, could not eat. W.F. was less than kind or sympathetic. Wells Fargo attorney actually called me a Liar and a Thief and stated it was the end of the road for me ( homeowner ) and the time in my home was over. Very Very unprofessional, heartless to say the least. Already filed a complaint about Wells Fargo. I want to be heard and not for gotten. Wells Fargo owes me and many others a home or the equivelent amount of money our homes were worth at the time W.F. foreclosed on us.

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
XXXX XXXX XXXX has continued to provide false information on my credit files. Trans Union and XXXX have not corrected this inaccurate information, nor have they truly verified. The creditor was allowed to lie. 

On my Transunion Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and a 30 days past due for XX/XX/XXXX. 

Then on the Experian Report, XXXX listed my account with a 60 days past due in XX/XX/XXXX and 30 days late for XX/XX/XXXX. 

I have provided PROOF of PAYMENT, TRACKING AND STATEMENT/LETTERS from XXXX indicating that I was NOT LATE. This has been and ongoing issue with clear violations by XXXX and continued by Trans Union and XXXX. 

I have kept the records of previous disputes and receipts of mailing and receipts of information not being updated correctly. 

I have initiated multiple disputes to fix this. The last dispute I provided the following : Credit reports listing false late payments and corresponding disputes XXXX letter dated XX/XX/XXXX responding to my payment dispute and request for correction XXXX letter dated XX/XX/XXXX verifying acknowledgement of timely XX/XX/XXXX payment received on XX/XX/XXXX with overage applied to principal Copy of Payment sent ( MO XXXX ) and USPS TRACKING # XXXX XXXX XX/XX/XXXX statement for XX/XX/XXXX statement indicating current status Payments for secured funds in XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX payment tracking

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX account on my credit report that I have no idea about

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 2019-07-12
Company: Southwest Stage Funding
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Name is XXXX XXXX XXXX, the address I live and have Mortgage is XXXX XXXX XXXX XXXX, XXXX, Kansas XXXX, Phone number XXXX. 

The Company I wish to file a complaint against is : XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, my loan was with XXXX for years and then they sold my loan to XXXX, my Loan number is XXXX. 

I have always paid my payment on time I have 15 day grace on the original agreement, I have been dealing with collection calls and their messed up paper work since XXXX of 2019. When my payment is always on time, every month it is something different they are trying to collect on and they are not even suppose to call me period to collect anything because my Payments are always on time. So I told the supervisor I get one more collection call after our talk in XXXX on this problem I would file a complaint against them. I have proof of every payment I have made and that they are always on time. They continue harassing me I will see about suing them for harassment because I only owe on this loan 2 1/2 more years. 

If you want more detail I have kept every piece of paper those people have sent me, even XXXX   letters that they were selling my loan to XXXX. I am sick of this these people have had me stressed out since XXXX, I am over it and it is beginning to cause me health issues. 

If you want to talk to the Supervisor that is suppose to be personally handling my loan her name is XXXX, her number is XXXX ext XXXX. I told her I get one more collection call from your Company I will turn you in. I am getting a lawyer involved if this situation is not taken care of. If I was late it would be different, but I never have been except one time and XXXX worked with me to get it caught up, and I was only 1 month behind that was over 2 years ago. 

any help I can get would be appreciated because I feel this is wrong and they have no clue what they are doing there. 

Sincere Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: ONLINE Information Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit report, and saw that there was a new debt in collections from ONLNNFOXXXX. Never recieved anything in the mail pertaining to this, nor do I have the slightest clue as to where this is from. Have no clue who else to contact about this. But I believe this was done without my knowlege and / or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I opened an account with with XXXX XXXX on XX/XX/XXXX. I fell on financial hardship and wasn't able to pay any longer. They sold my account to portfolio recovery they started reporting XX/XX/XXXX. I sent them a validation letter all they sent me was a bill back their wasn't a contract or an original signature attatched to it. I also looked up and they aren't able to collect in Maryland because their license expired in XX/XX/XXXX. It is a violation for them to collect with an expired license due to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
i turned in my lease on XX/XX/XXXX to purchase a new XXXX vehicle,, the dealership paid off my remaining lease payments so i could purchase the car,,, ,i had a 48 month lease started in XX/XX/XXXX .... 
so after the paperwork was finalizied i get a letter in the mail on XX/XX/XXXX, ,that i owe more then what i was told when i called for payoff the day i turned over car,,,, It was for other amounts such as disposition fee of XXXX which were paid when the dealership paid off car,,, also sales tax fees XXXX, ,and a sales tax fee XXXX.they also have a adj lease balance of XXXX ..but when i called for payoff they told me a couple of times it was XXXX ... they have total liability was XXXX ... so the difference they have is XXXX ... but they have put on my credit report that this car was not paid for 8 months,,, and my lease pmt was XXXX per month ... that is wrong i never paid 1 payment late in almost 48 months ... .also they dont show the amount paid anywhere,,, ,i have tried to contact them for the past several months also sent the credit bureaus copies of check i sent them to payoff car,,, because they are showing i havent paid this car in months, ,when actually my lease was up in XX/XX/XXXX ... .can you help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
The Citibank Credit Card company is a ridiculous, rude and not a consumer friendly company. this Bank should be closed down. 

First of all they close my credit card out of no reason. 

Secondly what they claim that the customers get 100 % fraud protection on unauthorized charges on their credit cards is a bogus scam because if the card is lost and if someone else uses it still we are still responsible for the unauthorized charges. 

On around XX/XX/XXXX or XX/XX/2018 my credit card was lost and I duly informed the Citibank about it, they sent me a new card.

Now after two months they have put {$1400.00} on my Account and asking me to pay that Amount. I can not even see this amount on my XX/XX/XXXX Citibank Statement. Is this is a scam or what?

I will not recommend anyone to apply for Citibank Credit cards as  it is a ridiculous money making company and should be sued in a court of law. 

My credit card was in XX/XX/2018 and I did report it to Citibank Promptly, they gave me a temporary credit and 2 months later reapplied to my account ruining my credit. 

There XXXX anywhere Visa Credit Card is a scam Card and they are also ruining XXXX XXXX Reputation. I would request XXXX to please discontinue and disconnect all ties with Citibank.

I will never apply for a Citibank Credit card 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 explanation
Consumer complaint received 2022-10-04
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:
incorrect high balance incorrect date last activity incorrect date reported incorrect date open

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