BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-02-21
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-05-19
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 have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.

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 2018-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX WELLS FARGO CARD SERVICE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WELLS FARGO CARD SERVICE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL 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 2020-11-16
Company: EQUIFAX, INC.
State: MI
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 has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both XXXX  and Equifax who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My last payment of {$500.00} for my car loan was processed, but my balance increases by over {$100.00}. I've been paying on this car for XXXX  years and haven't made a dent in the loan. Something fishy is going on here.

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 2021-10-07
Company: Experian Information Solutions Inc.
State: VA
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 spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XXXX of 2017 and XXXX of 2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

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 2021-01-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I submitted an inquiry to Chase Home Mortgage regarding refinancing my loan. At the time no authorization to pull credit was given. 
On or about XX/XX/XXXX I spoke with a loan officer at Chase name XXXX who verbally confirmed that no credit pull is required to generate a quote. 
A week later I got a letter from Chase confirming a credit pull and a credit score. That credit pull was done without my authorization. 
I submitted a complaint to their resolution center on XX/XX/XXXX only to be informed on XX/XX/XXXX that they did not pull my credit and asked me to submit to them documentation confirming that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TD BANK US HOLDING COMPANY
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:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent a payment of {$260.00} to XXXX XXXX on a website called XXXX. I was assured that I would receive the item I actually purchased. I have not recieved my item or got any reimbursement whatsoever after all this time. I want a full refund because this is unfair. I used paypal as a transaction and they wouldn't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Zingo Cash Illinois LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have had several loans with this company and have had XXXX problems until recently. All of my payments have been paid on time and none were missed. I began contacting the company in early XX/XX/XXXX because I found that I would be with almost no paycheck for the next 3 to 4 months. I did not receive a response from the company until a payment bounced on XX/XX/XXXX. At that point they immediately started calling. My goal ( in early XX/XX/XXXX ) was to let them know of my situation and set up an alternate payment option. I currently pay 98 % interest on this loan and it was to be paid off in XX/XX/XXXX. I do not know what the balance is so I requested information from XXXX  and received nothing. At that point the phone calls escalated so I asked them to correspond with me via email so everything was documented. Then I started receiving emails from " XXXX '' and he stated in an email that my balance was small so pay it or not. ( Emails attached ). On the email of XX/XX/XXXX XXXX discusses my excellent payment history. So again on XX/XX/XXXX the harassment starts again. I searched reviews for this company and have attached a few.. One client supposedly was going to have XXXX show up at his church. True or not who knows but I have recently had people show up on our security system who should not be there. Maybe Zingo maybe not but I have sent the footage to the XXXX  County Sheriff. I have been told by XXXX that they will pursue every legal means to collect the money. I again am not defaulting on anything I am trying to set up a suitable payment plan but am getting zero cooperation from Zingo they just want to pursue collection action. All I am trying to do is set up payment plan and a check will be mailed to 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 2021-10-07
Company: D2 Management LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
D2 Management - apparently a collection agency - called me from XXXX. They told me I owed 3 accounts that they hold. One was XXXX, one was XXXX, and one was XXXX. I do not recognize these accounts but I notified them that they can not collect on a debt from XXXX anyway because it is outside the statute of limitations for Ohio but she argued with me that it is not. 

I asked no less than 4 times during the call to have my debts sent in writing because I need to know who they were, what they were for, and when they were incurred, and she said things were mailed to me " before it went into collections and they do everything electronically by email. '' She flat out refused to take my address and send me anything in writing. 

I also notified her that she was calling me outside standard collection hours. She argued with me that it was XXXX. I live in Colorado. I used to live in Ohio, but she didn't give me a chance to tell her it was XXXX XXXX because she refused to take my address for mailing me the information and kept interrupting me and reiterating that I had to make a decision regarding paying these off or she " would have to tell her clients so they could make a decision about further legal action. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/XXXX INQUIRY XXXX/XXXX   XX/XX/XXXX INQUIRY XXXX XXXX  XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY This information does not relate to any information that I have made. I have enclosed a copy of my IDENTITY THEFT REPORT. In addition, I have enclosed a copy of SECTON 605B of the FAIR CREDIT REORTING ACT, which details your responsibility to block fraudulent on my credit report resulting from IDENTITY THEFT.

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 2018-03-29
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: Account status incorrect

Complaint:
XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
EXPERIAN, XXXX XXXX, AND XXXX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002till present. 
As a XXXX XXXX I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance. 
They have defamed my character with false reports. 
Credit card companies will not approve me.

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 2018-02-07
Company: ResidentCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was sold to the following : Resident Collection XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please see a screen print of my credit file under the XXXX XXXX, The original company is listed as " XXXX XXXX XXXX  '' In 2015, I was discharged of a chapter XXXX bankruptcy and this debt was included in that bankruptcy. For almost 3 years now it still shows up on my credit report and continues to make my life XXXX. 

In addition, I've never done business directly with this debt collection agency before and they have not provided me with any documentation that states this is a valid debt through verifiable documentation ( an agreement that I've signed directly with them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: NM
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:
Student Loan had been in " OK '' standing since XX/XX/XXXX. As oXX/XX/XXXX my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.

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 2021-01-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this

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 2021-01-28
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: Account information incorrect

Complaint:
I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: JPMORGAN CHASE & CO.
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/2016, hard inquiry listed on credit report without knowledge ( Chase Auto )  XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I recently put a large charge on a Chase Southwest Credit Card. After the charge I received several credit card offers from Chase as well as from other banks that promised a balance transfer with 0.0 % APR. My intent in opening this new card was to do a balance transfer so I combed through the agreements before committing to applying to a card. I decided on Chase because I have been with them for many years. No where in the agreement or terms did were there any limitations on from where the balance transfer could come from. It took over a week for the card to arrive. When I received the card and attempted the balance transfer, It would not allow me to make the balance transfer from another Chase credit card. I called customer service and not one there was able to help me ; I just got an I'm sorry. No where was this stated when I applied for the card. I have excellent credit and could have went with many other banks but decided to stay loyal to Chase because nothing during the application process would have led me to anticipate a problem transferring the balance from another Chase card. I believe this is an extremely deceptive practice. This should have been clearly stated somewhere in the offer agreement.

Company response to consumer: Closed with explanation