BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: TD BANK US HOLDING COMPANY
State: CO
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 traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 1 ) XXXX  is reporting a late in XXXX and XXXX. They also have my account coded as XXXX ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 2 ) Trans Union is reporting a 30 day late in XXXX and they are also coding this account as XXXX, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 3 ) XXXX   has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is 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 2020-11-16
Company: EQUIFAX, INC.
State: NY
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 is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal holding back Consolidated joint General account information Merchant bank and processor information Credit card and billing information After XXXX XXXX XXXX And XXXX XXXX XXXX generational family survivors XXXX XXXX XXXX XXXX , Louisiana XXXX complete the signup process, paypal begin configuring and managing service ( s ) within the PayPal Manager, false advertising shadowing work history our online business and service management portal PayPal system accountability maintenance employment professionals promotions Wage and labor investment and good will donations Approval by XXXX XXXX USA holding Annual w2 Retirement update employees employment permanent 401k, Insurance injuries FMLA and pay rate and beneficiaries Dependents Insurance classification verification status years ended XX/XX/XXXX on XXXX XXXX XXXX born XXXX XXXX married to XXXX XXXX XXXX And Dependants Annual address XXXX XXXX XXXX XXXX , Louisiana XXXX update public storage systems accountable systems attached letters of Hornable Discharge awarding Home manger youth development Property Manager XXXX XXXX XXXX XXXX XXXX Birthday errors corrections Now on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened my secured discover card account XX/XX/2018 and was told after seven billing cycles, my account would be considered for unsecured. Its been almost 14 cycles and I hasnt been converted to an unsecured account. I have great payment history with Discover. And I love the cash back benefits but every time I contact customer service to speak about my account, Im given the same response of, it takes seven billing cycles .... I explained to the agents that if they look at my account theyll see Ive had it open longer than seven cycles but still Im never able to get a real explanation or reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, XXXX XXXX, XXXX. I had applied to XXXX ( has always discriminate denying me without reasons ), XXXX, renewing XXXX, and XXXX. I have updated their background check companies they used that are DISCRIMINATING against me denying me employment, not accepting my certify documents and copied documents that their error are going back to an old issue that wasnt an issue in XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX until my XXXX XXXX on XX/XX/XXXX was XXXX on XX/XX/XXXX. I have attached the documents and I keep getting an unfair rejection and the background checking companies stated that it is up to their third party. Unfortunately, this third party controls all corporates and businesses in my county. I applied for employment with XXXX, I was denied and listed as not eligible for rehire with no reasons. Something with the XXXX XXXX  background check companies. This is DISCRIMINATION as I was a XXXX XXXX  Victim in XXXX, was a Victim of XXXX XXXX in XX/XX/XXXX, Victim of XXXX XXXX  on XX/XX/XXXX, and now this. These companies need to be looked into. This is Depriving me of my Rights, Violating my 1st Amendment, and Civil Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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: Investigation took more than 30 days

Complaint:
I sent an investigation request to Trans Union on XX/XX/XXXX. They were supposed to send me the results within 30 days, but they have not. I have even sent Trans Union a follow-up letter, which has also been ignored.

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 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
20 YEARS AGO, TRANSUNION GAVE ME A CORRECT CREDIT REPORT. But now, they won't let me sign in to get a report, claiming " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.

The OTHER 2 agencies have no problem. I tried to get a mortgage loan a couple weeks ago, and Transunion reported incorrect information to my bank, so I wanted to file a complaint.

I had a problem with them 10 years ago, but they put the problem on ME TO VERIFY MYSELF ( send birth cert., Driver Lic , and More ) - there was no CFPB to notify back then. They refused to attempt to verify over the phone ( back then, and I won't bother to repeat the hours on the phone ).

If they would " cross-reference '' my Social Security number with the other agencies, they could clear this up.

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 2019-02-14
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: Information belongs to someone else

Complaint:
I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. 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 explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
TransUnion is reporting my account with XXXX XXXX XXXX as 30 days past due even though they show the account has a {$0.00} balance and {$0.00} past due. This is hurting my credit score. I have submitted my own investigation but they did noting to correct 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 2020-05-06
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I secured a personal loan with One Main Financial in XX/XX/XXXX. I used my XXXX XXXX XXXX as collateral. I had full coverage on my vehicle at the time I first got the loan and I still have full coverage on my vehicle. I use my grace period each and every month to pay my insurance. I have another vehicle that's insured with XXXX and I use my grace period with them too each and every month. I guess, when I'm late, but within my grace period, my insurance must have notified One Main Financial. My insurance has never lapsed, my registration is always up to date ; but I don't understand why One Main Financial is always harassing me about their XXXX insurance that they want to force on me. My monthly payment is XXXX, do you know what that would come up to XXXX, I can't afford that and One Main Financial can not have my truck. I've never been late with my payments, that are due on the XXXX of every month. My credit is not the best, I guess that's why I had to go to One Main Financial in the first place, but they can't keep harassing me about insurance that I don't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: E*TRADE BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
E*Trade gave someone the login information and password to my account. After changing my username and password to prevent this in the future I asked that they close my three checking accounts and open new ones for me. After calling and emailing them for two months this has yet to be completed. Also, after several requests  they have not sent me copies of my bank statements. I am told over and over again that this will be taken care of but have to contact them again and again and again. 

E*Trade should not be giving other people access to my account, but when they do the should resolve the issue without making me contact them dozens of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
Have been trying for over a month to purchase a home I already have a contract on. Experian is reporting 4 accounts currently late when they are paid in full. It has been disputed directly with them and they are not correcting. XXXX  and XXXX have it correct. It makes sense that if an account has been paid in full, and they are reporting that, that the account can not be currently past due. 3 of them were never even late, they were sold to other creditors. The in-correct accounts are as follows on their report : XXXX XXXX. Account no XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 90 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX XXXX ( Student loan that was sold ), Account no. XXXX, shows XXXX balance and 120 days late now ( Was never late ). 

I am getting ready to loose my new home and would appreciate any help you can give. Experian will not correct 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 non-monetary relief
Consumer complaint received 2018-08-28
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:
in May of XXXX I mailed Transunion and XXXX XXXX dispute letters for negative information that is mixed into my XXXX XXXX XXXX because two accounts were illegally combined into XXXX and left as negative. At one point my account was purchased by XXXX XXXX and I am devastated to find the old account information form XXXX XXXX appearing on account XXXX XXXX XXXX Mortgage # XXXX. I have asked the bureau displaying this mixed information to delete the account all together because even though they have attempted to change and fix the reporting their attempts have not removed the old information that is damaging and was tagged on to my account. I don't m ind at all if it is deleted all together because the inaccuracies start on XX/XX/XXXX and end at XX/XX/XXXX. This was a government transferred loan due to fraudulent activity by XXXX XXXX and the transfer was supposed to fix this issue and help the delinquencies drop off. The account was deliberately sent to a negative status to allow that transfer. 

I pulled my XXXX and I have attached it here to show you how confusing and wrong the readings are. from XXXX it is showing as 120 late repeatedly and then for some reason in XX/XX/XXXX it is showing as 30 days late and then it is X until XX/XX/XXXX then thereafter it is OK. This is all wrong so please delete this account all together so I am done with this nightmare. This is not fair to me because this loan was transferred 3 times and XXXX XXXX is not able to modify anything claiming the account is closed and accurate but it is clear no one is following up. I have been transferred throughout 3 difference finance companies who have had their hands in this account and I am getting now where. 

I dont understand why Transunion has dubbed my last dispute a " Duplicate '' when they have not properly followed up with me and I am not sending any duplicates because I have written them asking why this account is negative when it is not. I has put an incorrect email before and I have no access to their response. 

Please assist me here. Thank you

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 2017-12-04
Company: EQUIFAX, INC.
State: CO
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:
Per Certified Credit Reporting Report # XXXX, XXXX, Equifax, and XXXX have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX ), they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Per Certified Credit Reporting Report # XXXX, TransUnion, XXXX, and XXXX  have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX XXXX, they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.

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 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have submitted disputes and 609 letters regarding investigation into XXXX XXXX XXXX about an account. I still have not received any information from TRANSUNION regarding debt verification from the company. I have also requested several times information directly from the company with no response other than late or missed payments. I refused to keep sending money for an unverified debt or contract. Transunion has continued to ignore my investigation and provided no documentation from the 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 2018-03-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I opened a student credit card line with Wells Fargo sometime in XX/XX/XXXX, someone who I was dating at the time knew someone who works at Wells Fargo I did not know until later on my ex had connection through one of the employee 's to see the statuses of my account and changed my password to access my online banking, he also changed my banking paper statements to paperless. It wasn't until a year later I learned my credit card has been max out, I requested a transcript of the spendings and only two transactions were made by me. I paid off the card, once I paid it off I closed all accounts. I still am in fear that the my ex boyfriend is still having access to my personal information by his friend/family who works at a Wells Fargo Branch. I do not feel safe banking with Wells Fargo reason why I closed my account, I also learned while going through court for a restraining order against him for a Domestic XXXX case that he has a criminal record for Identity Theft and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I  received a letter from Wells Fargo not understanding why because I closed all accounts that a Deposit has been made recently on an account under my name. I do not know if this Deposit has been made on an account I had already closed or an account that has been opened under my name.

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 2020-05-06
Company: Square Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this complaint is against Cash app ( All-Square inc ) owned by XXXX XXXX XXXX. 

during the 15 months of using Cash app. NONE of my cash out funds entered into my account. Upon inquiring, there was a different bank routing # listed for a bank in XXXX NE. I emailed Cash App ( can only contact them thru email ) explained that none of my cashed out funds where found. Amounts : XXXX, XXXX, XXXX, and XXXX total XXXX. 
The Cash app rep explained they would look into the matter and comply. 
before I could get a straight answer from this company.. Cash app, sent in a claim XX/XX/XXXX against My XXXX  XXXX XXXX Account for the EXACT AMOUNT THEY OWED ME!!! 
transactions : ACH Claims Debit All-Square Inc XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX ( amounts XXXX XXXX ; XXXX ; XXXX ; and XXXX

Company response to consumer: Closed with explanation