BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Trans Union refuses to investigate and remove the following tow debts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$550.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX for {$5400.00} Both accounts have been settled/closed. 

In addition, XXXX XXXX is still contacting me about wanting payment.

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 2018-05-25
Company: Penn Credit Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX {$890.00} potentially neg XX/XX/XXXX {$190.00} potentially neg XX/XX/XXXX {$56.00} XXXX XXXX XX/XX/XXXX {$3100.00} potentially neg.

I did not open any of these accounts, i have not been employed since XX/XX/XXXX. Someone has used identy theft against my name. I did not giv permission for these accounts to be open nor did i sign anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My buyout for my lease is {$48000.00} and Ally bank is charging the dealership {$53000.00} to get out of the lease and into a new vehicle which is more than the balance of my contract. How is this legal?

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 2019-11-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signatre or copies of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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:
I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. XXXX and Experian stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts 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 2018-02-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
XX/XX/XXXXhas decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after XXXX  recently completed a dispute investigation I filed a months ago. The account in question is Chrysler Capital for an auto loan. XXXX  credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that XXXX  can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

XXXX  will not let me dispute this error because they just updated the information incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would say for the past seven months. there have been letters sent out to PORTFOLIO RECOVERY they can provide that those accounts are indeed mine. I will be attaching one of the letters to this complaint. I have not even ONCE received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA requirements ''. Well I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY they are " MEETING FCRA REQUIREMENTS '' I asked for verification and I received nothing. If I am not mistaken If I am not supplied with the evidence after 30 days THOSE I ITEM WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20 A withdraw for the amount of {$98.00} dollars was done at a NON- Wells Fargo ATM out of my checking account. Some time later after going over my bank statement I recognized the withdraw as NOT my own. I rarely use NON Wells Fargo ATM 's for withdraws, the withdraw happened in a town where I do not live and the withdraw was allegedly done from a Sushi Restaurant ATM. I absolutely do NOT eat Sushi. 

After calling WF fraud dept. and speaking with a claims rep I was put on hold and then told my claim was denied. Based on their claim that my card was inserted into the ATM and my PIN was used. The rep claims that " WF debit cards with the CHIP can not be duplicated or cloned '' And that I was the one who made the withdraw. 

He canceled my debit card non the less and said that I would be receiving a new card in the mail and that my claim was denied and closed and I would be receiving a letter with an explanation. 

I received a letter shortly after with basically the same information as above. Along with a separate letter with a New Debit card.

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 monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Company name is XXXX. I ordered a futon from this company whom I now believe is a bogus company. Through my XXXX account on XX/XX/XXXX I ordered a futon for {$76.00} but they charged me {$88.00}. I tried to get a receipt or confirmation but got nothing. On XX/XX/XXXX. I emailed the address XXXX that was given to me with no response. I don't want these scam artists to get away with stealing my money.

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 2020-02-04
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
-- Square processed three transactions for {$5000.00} each, totaling {$15000.00}, between XX/XX/XXXX to XXXX, 2019 in exchange for {$520.00}. 

-- The cardholder 's financial institution disputed the charges despite extensive work that was done, so Square extracted {$15000.00} from my bank account on XX/XX/2019 while the case is considered -- This {$15000.00} is in addition to the {$520.00} Square already collected upfront in exchange for the original transactions. 

-- When asked what the additional {$520.00} they are holding is in exchange for on XX/XX/2019, Square was unable to provide details of expenses. Square also indicated that there's nothing else they can do to make a case to the cardholder 's financial institution, despite additional evidence of the original transactions. 

-- Evidence of the services provided to the cardholder in exchange for the transactions, including hihg-value video and media work products with the cardholder appearing in them, were provided to Square as requested, and Square transferred this material to the cardholder 's financial institution. Square indicated that it has done nothing else to make my case to the cardholder 's financial institution and is unable to submit additional evidence for 90 days. In the meantime, I'm left holding all the risk, including an additional {$520.00} which Square has not itemized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
My student loans have been dismissed due to long term XXXX. XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.

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 2023-05-27
Company: Experian Information Solutions 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
in accordance with the fair credit reporting act this creditor XXXX XXXX  has violated my rights under 15 USC 1681 section 602 that states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on account under credit plan as late for any purpose.

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 2019-11-05
Company: MoneyLion Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 I filed a dispute with Moneylion bank about unauthorized transactions Ive sent them police reports & etc. I reported my card stolen & just received it XX/XX/2019. Now that Im calling checking on the update of my dispute theyve locked my account. I have funds in my account that I cant use that they are holding hostage! They keep telling me that I cant close my account or they cant send me my money because they are protecting it which is ridiculous! Ive been trying to close this account for 2 days now & theyre still telling me no they cant close it. What type of company holds your money hostage because they are incompetent!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with Rocket Mortgage to secure a loan for the purchase of a new home. I secured a preapproval for {$700000.00} at a 2.7 interest rate and XXXX points with only 11 % down payment. 

Upon having an accepted offer approximately 1 week after the preapproval, Rocket Mortgage increased the interest rate to 2.99 ( not a problem ) and increases the points to XXXX ( where I have my problem ). 

To go from XXXX point to XXXX in approximately 1 week felt like an unethical/predatory leaning practice. It appeared as if Rocket Mortgage worked closely with me to understand my needs and financial situation, offered me loan terms are not available else where in the market, waited for me to have a signed contract, and dramatically changed the loan terms from the preapproval that would force me to either pay inflated points or have my financing fall through and I lose my due diligence {$30000.00}. 

Going from ~ {$3000.00} in points to ~ {$16000.00} in points is beyond the pale. My expectations for filing this complaint is for this governing body to determine if what happened in my case was truly unethical/predatory and handle accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Massachusetts Educational Financing Authority
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told to response and receive by USPS mail a letter from Credit Acceptance. A pre agreed to amount I paid {$200.00} whenever I received letter and I did. This month XX/XX/XXXX the agency reported that I missed a payment and I did not. As per agreed I called in and was on an endless circuit which returned and never connected me to pay so I mailed payment before its due. Therefore I dispute the claim I missed a payment. I want that " missed payment '' corrected since it negatively impacts my credit immediately.

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 2018-04-14
Company: EQUIFAX, INC.
State: CA
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:
EVERY YEAR FOR FIVE ( COUNT THEM ) FIVE XXXX YEARS THE SAME XXXX. 
I GO TO EQUIFAX ON ANNUAL CREDIT REPORT. I WASTE MY TIME, GET STRESSED AND MORE ANSWERING ALL THEIR XXXX QUESTIONS. 
MOVE RIGHT ALONG TO THE END TO GET THIS XXXX ... ... ... .. 
WE ARE SORRY, YOUR ANNUAL FREE CREDIT REPORT IS NOT AVAILABLE ON LINE ... ... ... 
LIES AND XXXX ... ... .... 
FIVE YEARS OF THEIS VERY SAME XXXX STORY ... ... ... 
NO WAY, THEY JUST DO NOT WANT TO DO WHAT THE FEDERAL GOVERNMENT AUTHORIZES THEM TO DO ... ... .... 

FIVE YEARS, SAME XXXX STORY ... ... ... AM I MAD AND STRESSED???? BET ME I AM. DO I TRUST THEM, BET ME NO ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX and XXXX have been settled and closed as of XX/XX/2020 but Experian is still reporting balances on these accounts and they should be reporting as 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 2021-11-02
Company: BMW Financial Services NA, LLC
State: DC
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:
BMW UNLAWFULLY AND ILLEGALLY is accessing my credit report WITHOUT MY CONSENT AND OR AUTHORIZATION!! THIS IS A CRIME AND A VIOLATION OF OHIO AND DC AND FEDERAL LAW AND WILL END IMMEDIATELY!!! MY credit report is locked/frozen with ALL THREE BUREAUS AND A FRAUD ALERT IS PLACED ON MY CREDIT REPORTS AND BMW STIL CONTINUES UNLAWFULLY AND ILLEGALLY ACCESS MY PRIVATE and confidential credit report, illegally MONTHLY! I DO NOT HAVE AN ACCOUNT WITH BMW AND YOU WILL STOP THIS IMMEDIATELY!! IM A XXXX HOMELESS VETERAN WITH NO MONEY INCOME OR ASSETS!! GET OUT OF MY CREDIT REPORT AND MY BUSINESS AND STAY THE XXXX OUT BMW!! YOU ARE VIOLATING STATE AND FEDERAL LAW AND HAVE BEEN REPORTED TO THE DC ATTORNEY GENERAL THE OHIO ATTORNEY GENERALS OFFICE, THE XXXX, AND THE CFPB!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX 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