BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX financed my car for 72 mos 6 months from payoff they repoed my car, all payments were up to date and i continued to make payments. the bank said I owed XXXX dollars immediately due and told me the car was paid off. the balance was for insurance etc. fact is I still owed XXXX worth of payments at XXXX per month. and the car was not paid off apparently when they found their error I got my car back no charge, They never did explain to my they made a mistake. But they still put on my credit report I`m late driving my score over 75 points. I`m still making my payments and they still report them late? the same way I have done for 65 payments. Also A credit card XXXX reports me as not paying my card even though I have never used it and did not want it the charges are fees and interest on the fees and the bank that the card is on also reports me a non pay I have never used the card and never wanted the card and thats why my credit score has fallen more than 75 points.

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 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am making a dispute against XXXX XXXX, Bank of America Credit Card and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I attempted to sell a vehicle over this past weekend and come to find out that the State of Nebraska still shows that Capital One Auto Finance is still listed as the lien holder. This loan was paid off in XX/XX/XXXX. 

Starting on XX/XX/XXXX at XXXX XXXX CT, I have talked to 13 individuals with Capital One Auto Finance and I still do not have a notice of the lien being released. After speaking with XXXX, Resolution Specialist, on XX/XX/XXXX ( person number 7 ), he assured me that I would receive a fax for the XXXX XXXX XXXX  with the lien release to be submitted to the State. I received the fax in about 15 minutes, but it was for the WRONG VEHICLE. I called back finally spoke to XXXX, Resolution Specialist, ( person number 11 ) and I was assured that I would receive the fax with the correct vehicle within the first two hours of business on XX/XX/XXXX. I failed to receive a fax and after calling again, was eventually transferred to XXXX, possibly a supervisor - person number 13, told me that the case was closed as Nebraska can not accept a faxed lien release ( after I called the State directly yesterday and received a fax number to have it faxed to ). He continued to tell me that he was unable to get a hold of someone else to escalate. I asked him to call me with an update and he does not have the ability to call out. 

I have taken over three hours away from my own job to deal with this ( cancelling meetings to tend to this issue ), I am paying insurance for four vehicles now and losing interest from the purchase of a new vehicle as this trade in would have been used for the down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I am making a dispute against XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX  to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 2018-01-26
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 information incorrect

Complaint:
I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of 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 2019-07-02
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
I have already issued a complaint about the same company Experian. Now this about an unauthorized Fraud Alert placed on my credit bureau. They have since removed the removed the fraud alert and have now placed an unauthorized freeze on my credit report. I am about to loose my rate lock on my mortgage application because of them and this will unecessesarily cost me several thousands of dollars. I really feel as if this organization has purposely set out to delay or stop me from obtaining a mortgage loan.XXXX : void ( 0 ) ;

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 2018-12-27
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2022-10-04
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my credit report and found that Second Round LP was listed as a collection account. I have no clue to who this company is. I have not received any kind of mail from this company. They are reporting unVALIDATED information. I do not know what this said debt is due to lack of communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB I hope you can help this company is stealing funds off of customers Gift Cards -they have paid money to use the names of Visa and Master Card and then they steal the money off of your cards. When You email them -say they -Black-hawk does not understand you, and then they close that email- I have to get my {$240.00} back first and then let the public what Black Hawk is doing. This is urgent and Black hawk plays games when to contact them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXXXXXX XXXX XXXX will not provide me with any information about my trust account. Documents were forged and a separate EIN number was used. You can contact them or XXXX XXXX last name XXXX XXXX family has some involvement. 
Wells Fargo I believe there's an investment account there that I can not access. As well as a few account in the XXXX XXXX. Any advice or resolution would bee greatly appreciated.

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 2021-11-01
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this account with the 3 credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The credit bureaus claimed the debt was verified by Receivable Management. 

I sent a request for validation to Receivable Management ( account number XXXX ) on XX/XX/XXXX ( usps tracking XXXX XXXX XXXX XXXX XXXX ) asking to provide me with a signed contract with my signature amongst other things to show how the amount they are collecting is calculated. 

I never received anything. This is a violation of the FDCPA for not providing the documents I requested.

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 2020-12-22
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from TRS Recovery Services , Inc., XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX  XXXX Telephone number XXXX, dated XXXX XXXX, 2020. 
This is a false collection. I have never written check # 130 to XXXX XXXX XXXX on XX/XX/2020 in the amount of XXXX. I will not pay this amount or the {$25.00} return check fee. This is not my account or my check. This company has sent letters before demanding money on bounced checks with were also fraud. 
I request that TRS remove my name and this collection notice from their system. THIS IS FRAUD. 

TRS Reference # 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 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix 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 2019-07-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a XXXX XXXX XXXX from XXXX XXXX 's XXXX XXXX, located in XXXX NC. This vehicle was financed with Wells Fargo Bank. 


I paid off this vehicle within 45-days from time of purchase. When I contacted Wells Fargo Bank to pay off the car I was told the title would be mailed 7-10 days. 
Problem is I never received the title, so I called and was told there was some type of error made, and they were mailing my title which I should receive within 35-hours. 

Still, I never received the title. so I called again and was told some different story about how some type of error occurred. and I was promised to receive the title within days. Still no title, so I called again and was told that the title was lost in the mail. now I received something in the mail, that I have to collect signatures from different people and write down the mileage and if the vehicle has been wrecked ETC. And it's going to cost me money. I already paid over {$XXXX} which included taxes, title, and fees. I am not paying for someone else 's mistake. 

I want my title to my car which I have paid off 5-weeks ago.

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 2019-09-16
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a Care Credit credit card through Synchrony bank. I charged {$1500.00} with a promotional period that allowed me to pay off balance by XX/XX/2019 and not pay interest. Every month I paid {$120.00}. On XX/XX/2019 the remaining balance I owed was {$220.00}. The company charged me {$310.00} interest on this. They claim the agreement says if balance was not paid in full they can charge the 26.99 % interest rate on the original balance, not the remaining balance.This is explained only in the last statement before it is too late to pay off before promo period ends. In all other statements, it states that the interest is based on the daily balance. I explained to them this was not clear and had this been made clear I would have paid it off completely before promotional period ended. They were unwilling to credit me the interest or at least charge me interest on the remaining balance and credit me the difference. I think this is unclear and unethical business practices that they are purposely making confusing so consumer is not awzare and winds up paying much more in interest than intended.

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 2021-07-20
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/21 I was told my account would be closed and the remaining balance which is XXXX would be sent as a check, On XX/XX/21 I was told by by XXXX from the escalation team I would be getting my closure check within 3-5 business days, I just recently moved so I was unable to update my address prior to my account closing, I got in touch with chime and inquired to change my address I was told I would have to provide proof of the address change with an ID which I did, MULTIPLE times I was told they would cancel the first check and send out a new check. I received the first check but now its no longer valid because they canceled it, Ive been getting the runaround ever since, theyll say give a few hours to look over the documents and never contact me back, then have the audacity to say I dont qualify for a refund now? THAT DOESN'T MAKE SENSE IF THEY SENT THE FIRST CHECK Im tired of this constant back and forth, its inconvenient PURE XXXX  AT ITS FINEST AND IM NOT HAVING THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.

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 2019-10-21
Company: Experian Information Solutions 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:
I have a host of inquiries that are not mine.

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