BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting XXXX XXXX on my credit report its infringement upon a consumers right to privacy pursuant 15 USC 1692

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 2020-09-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
the company I am having an issue with is US bank relicard. 
On XX/XX/XXXX XXXX my card was frozen due to them suspecting fraudulent activity. I called them on XXXX XXXX, and XXXX and held on line for 2 hours each time just to be told to fax Identification in which i did and I uploaded the file to my account on the website. I explained to them I was sick and I authorized the transfers to my daughters account because she had to pay my bills for me and also come get me after I was released from the hospital on the 5th due to a battle with XXXX. I have been out the hospital a week and a half with no medicine because I cant afford the co pays because I have no access to my money. I submitted everything I needed and still can't get an answer except its gon na take 10-15 days to unfreeze my account. I am XXXX years old with XXXX that needs to be treated and they seem like they don't care. My regular bank would not have put me thru all this. I appreciate any help you can offer I just want access to my money so I can get my prescriptions and get well again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Tennessee department of XXXX XXXX. Continue to collect on a debt. Without proving true ownership of the debt. The company report negative information on my credit report without verifying the debt. The acount was closed on my transunion report. XX/XX/2021. Because the company fails to provide the original oblation with a signature. The acount was removed and deleted from report. But company continues to collect on debt and violate section 609. ( a ) ( 1 ) ( A ). Of the fair reporting act.

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 2017-11-28
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$600.00} to get my through until I graduated. They are charging me 600+ % and I went along with it for a few months because I had no choice. I have requested twice to cancel the loan and pay the principle with no response and they keep charging my bank account that is trying to close with no option of cancelling it online. I have no way of viewing my documents online so I can switch it out to another lender or pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 my card was stolen and fraudulent charges were made to my card. Multiple authorized activities took place. I explain to XXXX that my ID was stolen as well. I have asked that these unauthorized charges be reversed. I have contacted multiple merchants regarding the time and places of these unauthorized transactions. I am asking Chime XXXX to refund and correct my balance from XX/XX/2021 - XX/XX/16-2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services has placed a collection on my credit profile claiming that I owe {$97.00} to XXXX XXXX  XXXX. I have never been to that medical facility. Please remove this erroneous collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
My money is being stolen by the people the has control over my property address XXXX XXXX XXXX XXXX XXXX, NJ XXXX need help getting my property back from these people that has control over my property my money is being deposited into The Bank of America every month and credit cards has been order to steal my money every month.

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 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I started to receive my unemployment benefits from GDOL which included several deposits for back paided week on my claim. Altogether I received XXXX on XX/XX/2020 I recieced 1 single deposit t which time my account was restricted and subsequently placed with a permanent limitation. I've contacted PayPal numerous times over the past 1, 3 months and I'm still being told that no information can be given. And that no one within PayPal entirety could uplift these restrictions so I can regain access to my full rightfully owned funds. I was a regular UI recipient not a PUA recipient. These are funds that I am lawfully & rightfully entitled to. I've done everything accordingly but PayPal is refusing to release my funds to me and I've followed their procedure thoroughly & now I'm not being given any resolution or solution to withdraw my funds and close my account. And it's been over a full calendar year since these restrictions were first implemented against myself. Please help me recover my funds in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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: Account status incorrect

Complaint:
Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX. 

I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When I obtained my card with secured XXXX XXXX with CAPITAL ONE ending in XXXX, I was informed that my account would be reviewed to become unsecured periodically. My credit score has increased to around XXXX currently. This would be a score that most normally would qualify one for an unsecured card. I make multiple payments per a month and the account is paid to {$0.00}. Customer service agents now report that the card will never transition to unsecured. How can that be so? Does CAPITAL ONE regularly change what they tell customers? The company is holding my security deposit. I do not wish to apply for a different card or start a new account. Capital One should review my payment history on this card and also my auto loan and consider following through with unsecuring my card as promised before I close both accounts and move my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX XXXX XXXX dealership for day one due  to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX  several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX reports as settlement accepted on this account or paid account/zero balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX   XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline 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 explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax and XXXX XXXX XXXX are letting thousands of dollars in XXXX XXXX XXXX XXXX bills be double billed just different prices we Equifax is wanting me to file a third dispute when after closing the first they after me calling removed one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ABR Recovery keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report ABR recovery changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a XXXX account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted ABR and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. ABR Recovery claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XX/XX/XXXX and XX/XX/XXXX and they do not provide anything because they don't have it. XXXX at ABR recovery even admitted over the phone it was a old XXXX debt. ABR also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to ABR Recoveries incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage amount was set to XXXX and would fluctuate slightly due to taxes. My amount dropped in XXXX to XXXX. I contacted my loan servicer XXXX, they told me the reason the payment amount changed was because I no longer had to pay Mortgage Insurance. They advised me that as of XX/XX/2018, there was no need to pay the Mortgage Insurance and they adjusted my payments to reflect that. I received my mortgage statement for XXXX and the amount has now jumped to XXXX. I checked my online account and I am now being billed for the previous months that the Mortgage Insurance was not paid. 
I contacted XXXX to discuss the sudden change. They advised me that they made a mistake and confused my loan with another loan. When they realized their error, they billed me. They never once contacted me to explain the error with my loan. When I contacted them, they were not apologetic at all. I asked them why would I have to suffer financially due to their gross mismanagement of my account. They made the mistake and I contacted them to verify the lowered amount was correct, they told me it was. Then instead of just rectifying my account to the proper amount, they are now billing me for back pay. 
I told them it is unfair to expect the consumer to carry the burden of gross negligence. They told me I no longer had to pay Mortgage Insurance, they are the servicer for my account so I believed them. When I told the rep this, he then equated my circumstance to that of murder. If a cop tells you its ok to kill, would you kill a person? That is a poor analogy to explain away their error. 
The only resolution they offered is to spread out the delinquent amount over the next 12 months. I feel that a company that is in charge of managing thousands of accounts and millions of peoples monies, they should do so with more care. And they should own up to gross mistakes and rectify them, even if it means they hurt their bottom line. The company is taking no responsibility for changing my finances and potentially harming my ability to keep my home. When I looked into purchasing a home, I did so with my budget in mind. This goes outside of my plans and the loan servicer does not seem to care. And now I am trapped with a company that makes gross mistakes and does not own up to them for the duration of my loan.

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