BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, TransUnion, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX Court. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as PACER or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. XXXX has two accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/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 2020-07-08
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Previously was able to use XXXX with my PNC accounts. It is asking to reauthorize and after entering credentials through the XXXX service PNC does not complete the authorization. It says they've made changes that prevent it. PNC customer service can not help. PNC is blocking and recommending to use the service it promotes and restricting competing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX has sent constant voicemails filled with harassment including reaching out to my family members multiple times. The latest voicemail I received a couple of months ago, XXXX XXXX   told me things would get really bad for me if I didnt call them back that day. This has to be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX XXXX in XX/XX/XXXX as a referral from my doctor for XXXX XXXX. I specifically put XXXX XXXX on the patient form for the reason of my visit. However, what I received was an eye exam and a re-diagnose that I have a XXXX. At the end the doctor told me he does not perform XXXX removal and I have to go to a different doctor. I was not charged anything during my visit and no one told me I owed anything. However, months later, I received a bill for my visit for {$200.00}. I called the office to inquire about this charge and they said it is the consultation fee. I was very shocked to find out I have to pay this amount for a consultation that was merely telling me I have a XXXX, which I already know before going to XXXX XXXX XXXX. They did nothing to remove my XXXX, and did not tell me how much the consultation would cost up front. I was already diagnosed that I have a XXXX and the reason of my visit was for the removal, not to re-diagnose and tell me they do not do any XXXX removal. 

I attempted multiple calls in the following months to XXXX XXXX XXXX. They were very hard to reach due to their limited hour of operation. The billing specialist also told me to speak to the manager who was on vacation. After multiple attempts no one was able to address my issue. 

On XX/XX/XXXX I called Transworld Systems Inc. The Debtor agency about this incident. They told me to contact XXXX XXXX XXXX directly. All I wanted is to settle the amount I owe at a fair price. I do not think being charged for merely telling me I have a XXXX, which I already know ( obviously ) is fair. Also, no one has disclosed me what the charge will be. Had I know I have to pay this outrageous amount for something I already know, no one in their right mind would agree to the service. 

Today I tried calling XXXX XXXX XXXX again thinking they would've opened after the pandemic in last attempt to resolve this issue. However, their phone number is no longer in use. 

They can not just send me monthly debt collection bills without attending to my attempts to settle or even trying to justify their collection. 

I feel I have been scammed and unfairly treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened BMO harris - relationship checking account with promotion. If one has a direct deposit of {$7500.00} or more in first 90 days - they will get cash back bonus. 
Account opening - online process is broken so it got opened via phone. Promo code was applied. 
When i inquired - why i haven't got my {$500.00} cash back bonus there is no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: Information belongs to someone else

Complaint:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

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 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following XXXX XXXX XXXX XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa   Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 2021-01-27
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: Account information incorrect

Complaint:
I have a corporate small business XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a mom and pop travel agency with 98 reduction in sales since XX/XX/2020. The business card is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of leisure travel and suspension of all cruises and tours. They should not be reporting this business account to my personal account and it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: ID
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:
In 2016 I purchased a XXXX vacuum from a door to door salesperson, XXXX XXXX XXXX ( XXXX XXXX ). She came back about 3 days later to inform me that the vacuum was missing parts and needed repair. She took the vacuum, as a representative of XXXX, and never returned with it. I paid the bill a few months as XXXX had informed me the parts were on order, they were awaiting repair, etc. Once I became unable to reach her I stopped paying. I did also file a police report which the investigating officer discovered XXXX had pawned the vacuum. XXXX is a multiple felon who shouldn't have been canvassing door to door as she was unqualified in my area for a peddlers licence, and this is why. A XXXX XXXX  door to door salesman took advantage of me and stole a product stating she was representing 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 2020-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC with Citizens Bank. My rate is Prime - 1 %. Prime rate was reduced on XX/XX/2020 ( from 4.75 % to 4.25 % ) and again on XX/XX/2020 ( to 3.25 % ). The rate on my HELOC should have been 2.25 %, however, the rate on my loan continued at 3.75 % through XXXX. I have tried calling customer service, but their agents are not able to answer my questions. I have requested copies of my loan documents both with customer service and on line to no avail. As I am not able to get answers to my questions I am out of patience and am requesting that the CFPB investigate this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a XXXX and made a purchase with my discover card on XX/XX/2020 for a spring vacation for my mom and me for XX/XX/XXXX. I made the purchase with XXXX and charged in on my Discover card for the amount of {$3400.00}. The Corona virus hit NJ and schools were closed and my Mom lost her job as well. We were house bound and worried due to the danger of this virus and the fact that we live with elderly grandparents. The flights were cancelled and I was shocked to learn that XXXX would not refund the money. I contacted them numerous times but no one would answer. I called Discover card and they agreed to help me. This has been ongoing since the XXXX statement and they have issued temporary credits 3 times and revoked them. The final case XXXX concluded that they did not find it in my favor and included the transaction receipt from the XXXX booking. My dispute is not about whether I purchased the ticket but the dispute is that the trip never happened and was cancelled due to the pandemic. The service was not provided and I should not be held accountable as this is a violation of my consumer rights. I am looking to finally get this refund back on my card for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Tally Technologies
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:
On XX/XX/2020, I paid off my loan in full with Tally Technologies. They said that my credit report would be updated within two weeks with the account being paid off. 

On XX/XX/2020, the " paid off '' account status still did not appear on my credit report, and the account showed an incorrect and old balance from over a year ago ( much higher and therefore affecting my credit score ) on the credit report. I emailed asking for corrected information. 

On XX/XX/2020, Tally Technologies reported my account as " Charged-Off. '' This is extremely incorrect and fraudulent. 

Not only has Tally acted in fraud and bad-faith, they have been usurious in their interest charges before the account was paid off. They should be investigated for their credit reporting practices, which are NOT in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have tried with XXXX on many different occasions to have world finance removed from my credit.the accounts have been closed since XXXX of 2020 but somehow the balance has been increased almost every month! I have reached out to have this removed but they say the balance has been verified. I will be filing a lawsuit If this don't be removed. They are not following consumer laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lake City Credit refused to respond to the debt validation letter received on XX/XX/XXXX ( " Lake City Credit Tracking Confirmation Letter1 '' ), so yesterday XXXX, I filed complaint number : XXXX. Today, I received documents as proof Lake City Credit is violating the Texas Usury Law ( " Lake City Response '' ) by placing an extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' WITHOUT validating the amount owed ( {$9000.00} ). 

On the original contract sent by Lake City Credit on XXXX 's behalf it shows a total payoff as {$5800.00} ( price for furniture= {$2500.00} + {$3300.00} total interest ). The records sent also shows a paid amount of {$2300.00} as of XX/XX/XXXX ( last payment ) leaving a balance of {$3500.00} according to the contract which is different than what is listed on page 1 of the document sent by Lake City Credit showing an amount owed of ( {$4100.00} + additional interest of $ XXXX= {$9200.00} ). 

I would like to file a formal complaint because Lake City Credit continues to : 1. Attempt to collect on an account that is MORE THAN 7 yrs old 2. Attempting to collect a debt not authorized or agreed upon 3.  Lake City Credit refused to respond to the initial debt validation letter they received on XX/XX/XXXX ( See attached confirmation of receipt ). 

I tried to resolve this dispute with XXXX directly and was told by XXXX that they do not have any information since my account was sold to Lake City Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are not mine. I did not authorize any of these inquiries to be pulled from my credit. I also don't recognize any names on here 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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXXXXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2021-01-27
Company: EQUIFAX, INC.
State: VA
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:
Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why XXXX was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both XXXX and Equifax to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.

Company response to consumer: Closed with explanation