BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX, XXXX, TransUnion, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX  to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs.

According to XXXX   XXXX the issue is with XXXX, XXXX  and TransUnion reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed.

Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX   claim these are changes to the account they did not authorize or initiate. This constitutes fraud.

Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly.

[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.

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 2019-02-01
Company: LendUp Loans LLC
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I responded to an offer for a credit card. The offer stated {$75.00} fee for 500 in credit. I accepted and used the card once in XXXX with a purchase of {$65.00}. I then tried to use it and was told the card was restricted. I called but was unable to get a reason for the restricted status. I never received a bill or an explanation and when checking my credit report there was a delinquency and an amount due if {$200.00}. I am disputing the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed from an online inquiry {$2400.00} being taken from my joint checking account without my or my wife 's authorization. I called the involved bank 's hot line and told them to stop the transaction as it was still pending. The bank representative on the phone said they could not do that and I would have to wait 24 hours to see if it became posted. Next morning I checked and it was posted to our account, causing an overdraft. I called the bank again and was told the account would have to be closed and I should either call a different number to open a new account or visit my branch. My wife and I immediately went to the branch and expressed our frustration at being unable to stop this illegal transaction and our concern about losing such a large sum of money. Also, we wanted to know who had done this, how did it happen and what will be done about it. The bank was very compassionate. They helped us open a new account, transferred the existing balance from the old account into the new one and put {$2400.00} into our new account pending an investigation into this matter which they called a " dispute '' and which required me to formally submit in writing. We were pleased with the cooperation of the branch ( which took over two hours to complete ) but still concerned as to why this was allowed to happen in the first place after calling and warning them it was an illegal and unauthorized transaction. Further, I was told that the results of the dispute process likely will not be revealed to me in any detail, only the result. I was and remain very concerned with this dispute process. I want a detailed explanation how this happened, why I could not stop it once I noticed it was in process and notified the bank, and what I should do in the future to prevent it from happening again. And I want assurances in writing that my private account information is safe with this bank. On a broader note, I would appreciate knowing if other customers of this bank ( and possible all banks ) may also be vulnerable to the same situation as me and whether notices or other warnings should be provided to banking customers to beware of illegal activity in checking accounts. I have been the subject of illegal activity in credit cards but never in a personal checking account, hence my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: Medical Data Systems, Inc.
State: MD
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 has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-02-01
Company: EQUIFAX, INC.
State: IN
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:
XXXX, Equifax, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with XXXX, Equifax and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : 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 XXXXXXXX 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 2019-02-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has a debt on my Credit Report that is beyond the Statute of Limitations for CA. They can only have a debt marked as collection for four years. They have attempted to keep the debt in collections by changing the name to XXXX  XXXX XXXX. 

This needs to be removed from my report as Collection. I have stated repeatedly that I do not owe this debt and XXXX XXXX XXXX has never been able to substantiate it. They are now attempting to mask it under XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a counter response to WF 's response to my original claim filed in XXXX WF is distorting the facts about my loan modification process and not owning the responsibility that because of how they handled the loan modification, this has put me in arrears of $ XXXX that they are now demanding I pay in full or I'll be facing foreclosure. They are refusing to work with me since I filed my initial compliant and as retaliation for filing my complaint. WF need to assume their role and responsibility in putting me in the position I'm in and resubmit my applicable for HUD partial claim that had been previously offered to 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 explanation
Consumer complaint received 2022-08-07
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
i am XXXX XXXX i go last week XXXX XXXX date XX/XX/2019 he run my credit before he till me i dont run credit hard inquiries i see my credit report this is hard inquires i call him he told me i dont care youare credit pl help me i have 20 hard inquiries

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 2020-06-28
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PNC will not allow me to connect my bank account to XXXX XXXX because I guess they've had too many problems with it but it won't allow it I should be allowed to use my debit card wherever I like!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a call from a woman from an " unavailable '' number stating that she was trying to see if I would be home the following day so she could serve me a notice for a civil dispute. When I asked her what this was in regards to, she said she was unable to tell me any details as the notice was sealed and she could not open it, but that if I had any questions I could call the number ( XXXX ) XXXX with a case number that she provided. Upon calling this number I was connected to another woman named XXXX XXXX who claimed she was from a company called XXXX XXXX on behalf of XXXX XXXX and was responsible for determining whether or not I had maliciously attempted to not pay for an overdrawn but closed checking account opened in my name at Wells Fargo back in XX/XX/XXXX that had defaulted in XX/XX/XXXX. When I told her that I only had one checking account with Wells Fargo and that it was still open and in good standing, she said that this must be another account and that I would either have to pay to settle this immediately in the amount of $ 1300+ or I could be sent to court and have to pay a minimum of $ 4000+ dollars plus any legal fees incurred from this judgement. I again told her I had never opened such an account and hadn't been provided with any documentation of this debt, nor received any letter or communication from anyone attempting to collect said debt prior to today when I was informed I was being summoned to court for a pending civil judgement. She stated that she had documentation that I had been sent several letters and phone calls about this debt and that a response was never received. When I asked what contact information had been used, she stated incorrect contact information. I told her that the information was not correct and she again stated it didn't matter, that it was up to me to make sure my account was updated with my proper information. I stated again that I wasn't even aware there was a second checking account in my name, and that Wells Fargo indeed had my proper contact information since I currently have an account in good standing with them. She stated that Wells Fargo does not have the resources to contact me in this case and that I would either need to pay the voluntary restitution before the call ends or would be sent to court for the direct refusal to pay for this 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 2017-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
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: Problem with personal statement of dispute

Complaint:
My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on 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 2021-03-30
Company: EQUIFAX, INC.
State: FL
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:
One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX  ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, Mr. XXXX and associated law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. Mr. XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and Mr. XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX County Supreme Court. This time Mr. XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX aXXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.

Company response to consumer: Closed with explanation