BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
Im submitting a complaint to you today to inform you that this is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$25000.00},, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}

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 2017-05-26
Company: EQUIFAX, INC.
State: IL
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: Public record information inaccurate

Complaint:
Credit bureau reporting unverified public record in direct violation of FCRA, state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX XXXX and TransunionI just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.

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 2016-11-09
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After checking my credit report, i noticed that Diversified is reporting that i owe money on a bill that is not mine. This is incorrectly reported and needs to be removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: MO
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 my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as Equifax XXXX XXXX and XXXX just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
At least six times on depositing cash into my bank account the money disappears. The receipt shows a deposit but the money is n't actually in the account. My car payments and other bills have been affected over this. Friday was the sixth time I 've dealt with this. I 've heard it was a back office problem, a teller issue, new computer system issue, a closing of the day issue. The first time the manager of the Fifth Third branch in XXXX Michigan ( the bank I go to ) deposited my money in someone else 's account. I 've had it!!! What is so difficult about depositing money that they ca n't seem to figure it out!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

( XXXX XXXX XXXX XXXX : # XXXX THIS ACCOUNT Late payment removal month of XX/XX/2021 ) XXXXXXXX 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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX submitting this complaint against Equifax Information Services, LLC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within XXXX business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX XXXX and FCRA Delete & purge these accounts below : XXXX, XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete all hard inquires & late payments as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: MIDFIRST BANK
State: OK
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:
My mortgage was sold to midland mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over XXXX short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. 

XXXX- Midland added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. 
Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made 2 payments a month. XXXX & XXXX on autopay since those were the days I got paid. 
Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. 


Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting 2 lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted 2 late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every 2 weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make 2 payments that are received by them for that calendar month. I am being told by agents that my lates are because I make 2 payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making 2 payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't.

I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.

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 2021-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of Bank of America in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed Cash Rewards Card and has forwarded a fraudulent debt in that amount to XXXX XXXX XXXX for collection.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT CREDIT XXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD CREDIT XXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL XXXX MAJOR REPORTING AGENCIES, TRANSUNION, XXXX and 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 2022-07-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back on XX/XX/2021. I began working with XXXX XXXX to start a debt management program. I have since then called Navy Federal a couple of times to inform them of my situation. I signed up with beyond finance because my position at my job was discontinued after the business reopened after the covid restrictions were lifted. I had been unable to find another job and was unable to make payments. The last time I called navy Federal they said that I could try to work a settlement with them and I asked how it would work. They told me they could lower the balance by like 60 % but I would need to make an upfront payment of {$780.00} and then {$300.00} a month, which I would not be able to do. At the time, after making all my payments, I was left with like {$520.00} a month. On XX/XX/XXXX navy Federal sent me an email that they would prepare a lawsuit against me and to make a payment. Today XX/XX/XXXX, they sent another email and stated they had sent a lawsuit to their legal department and for me to make a payment. I get like one or two phone messages from them, but I ignore them because beyond finance advice me to ignore them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Company XXXX XXXX XXXX keeps 'war dialing ' me from XXXX. I have submitted dozens of violation reports to the FTC 's 'Do Not Call ' list but still this company keeps calling me. I have never done business with them. I do not want to do business with them. I have no outstanding debt. They call multiple times a day at all hours of the day and night. Please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items. Thank you. 
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 non-monetary relief
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.

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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA violation no knowledge inaccurate medical bill collection accounts on my Transunion credit report. FTC ID Theft Report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. 
Debt collectors are not allowed to communicate with me under the 15 USC 1692C

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 2022-10-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please note that the minimum payment is due on XX/XX/2022 and the amount is XXXX. I made a partial payment of XXXX on XX/XX/2022 to apply to account and will pay the balance of the min payment before the XX/XX/2022. I spoke to a representative last week to confirm this transaction. Here are the number of times they have called me just today already. here ae the times, XXXX, XXXX, XXXX, XXXX, and that's just today and its only XXXX. I have an injury so im unable to work but is still making payments. I called and spoke to a representative XXXX and told her that I already spoke to someone regarding this payment. I informed her that it was illegal for her to call so many times during the day and that was harassment. She told me she had the right to call and that she will call because I failed to pay the minimum amount. The representative then placed me on hold with music and left me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Capital one 360 money market account on XX/XX/2018 with special offer code " XXXX ''. Offer terms when opening the account explicitly state if the account " is funded with at least {$50000.00} no later than XX/XX/2018 '' then a {$500.00} bonus will be deposited to the account. 

I made the following deposits XX/XX/2018 {$10000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$12000.00} Capital one is refusing to give the bonus because they claim the money " had to be made in a single deposit '' and " must be left in the account the entire time. '' No where in the terms of the offer are these conditions written. Furthermore, Capital One could not provide any proof of these terms nor could they provide any copies of where these terms were written. However, they refuse to send the bonus. 

I have attached screen shots showing the offer terms, with my account number. Capital One refuses to pay the bonus based on me satisfying the requirements written during the online account creation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
Not too long ago i saw strange purchases on my credot cards that were not things i myself had purchased. So i had them all replaced and those specific purchases marked as fraud. Then on XX/XX/2023 I noticed a hard inquiry on my transunion account that I had nothing to with. It was from XXXX XXXX  who I have never used so it made no sense why i would have a new hard inquiry from them.

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 2022-10-24
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Online purchase for firewood to heat my home from a fictitious company advertising as a local company on XXXX XXXX. Seller required a {$150.00} XXXX payment for deposit fir a {$370.00} dollar order. Once payment was made they acted like they never received the money and disappeared. Contacted PNC who said they could not reverse or reimburse my payment. I advised them it was digital, how could they not contact the recipient bank and freeze the account for fraud and refund my payment. I was told, too bad so sad, you should only send money through XXXX to people you know... end of story.

Company response to consumer: Closed with explanation