BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: BELMONT FINANCE LLC
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I called XXXX to discuss paying off my account after several calls before this day 's call. XXXX XXXX XXXX  their rep ( XXXX ) began a text conversation only to acknowledge the debt was approaching past due status. I proceeded to state I was aware and that unless I could get an amount of payoff the contract should cease. I ended the discussion because she could not provide a payoff amount. Later that day ( XX/XX/XXXX ) another rep ( XXXX XXXX began texting that Belmont is only the finance company for XXXX. Preceded to redirect me to contact XXXX about any issues. Noted that at this point I had made autopayments for the past 6 months. Long story short, XXXX presented an offer by asking me to pay {$3000.00} ( original debt ) which I turned down but agreed to the final payment of {$2500.00} as payment in full. An email confirmation was to follow with a letter from Belmont stating paid in full. He agreed but once payment was processed. XXXX was immediately processed but no email confirmation. Called and texted but no response from XXXX. Called Belmont and supposedly got his XXXX XXXX who refused to acknowledge the payment in full but emailed the payment confirmation. Next, the credit reporting repeatedly stated nonpayment, delinquent and past due balance, and hard credit inquiries dropping my credit XXXX XXXX. I did a review and they made a correction but then returned to reporting past due balance closed account and derogatory payment history 3 times in a day on XX/XX/XXXX and continued as recently as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: KS
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  XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Billing dispute for services

Complaint:
XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.

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 2020-07-07
Company: CAVALRY INVESTMENTS, LLC
State: TX
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:
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX-amount stated owed- {$670.00} XXXX CC . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/XXXX  # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 at XXXX XXXX  I went into the Chase Bank to withdraw XXXX dollars from my checking account, the machine turned red and said attention can not distribute your cash at this time, it gave me a receipt, saying that it took the XXXX dollars and at the bottom of the receipt it stated. " We aren't able to give cash right now. Please call us at XXXX. '' XXXX. I called and was told too submit a claim with my bank I did that and still no refund or contact from chase regarding the issue. The manager that was in charge at the time would not look at my receipt or help me trying to explain the process. She did not care at all, she also told me the machine was acting up earlier that morning, wasn't working properly, but failed to put a sign on the machine and didn't put a sign on the machine after I left because my mom went in there to speak with her about the issue, and there was no sign that she's still let people use that machine and knowingly wasn't working correctly, was very rude to my mother as well. I went into another Chase Bank on XX/XX/XXXX spoke too a manager showed him the receipt he told me he would file a complaint against that supervisor and try too get to the bottom of everything but I have yet too be contacted I just want my money refunded back it is a lot that was taken and I have bills and am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am claiming lending fraud and to further substantiate my claims of inaccuracies in your credit reporting. 
First, according to the terms of the contract the APR is 19.99 %, finance charge {$7100.00}, which is the sum of all charges. The amount of excessive illegal interest applied in totality {$12000.00}. ( Refer to Payment History ) This amount far exceeds XXXX usury rates maximum of 21 %. Pursuant to the Truth In Lending Act US CODE1605 ( a ) ( XXXX ) and the FDCPA US CODE1692f ( 1 ) this company is in violation thereof. We were also overcharged for sales tax. XXXX local sales tax rate is 8 % and we were charged above the legal rate. XXXX Refer To The Contract ) Secondly, I received a debt collections letter dated XX/XX/XXXX that failed to mention any accrual of interest or a specified amount of what was owed, pursuant to US CODE 1692g ( a ) ( 1 ) under the FDCPA. ( Refer To The Collections Letter ) Next, the initial balance reported {$12000.00} and according to the terms of the contract the principal amount financed {$12000.00}. There were no transactions, no promises, arrangements, and no payment since XX/XX/XXXX. Since then the account remained dormant. However, on XX/XX/XXXX this company stacked {$6900.00} of illegal interest according to federal law. Then reported the account was 180 days past due with XXXX and XXXX  and 120 days past due with XXXX I received written correspondence from a representative of the company stating that they had not reported 120 days past due to XXXX I disputed it with XXXX  and nonetheless this company verified the information as accurate. XXXX Refer To Dispute Results ) Pursuant to the FDCPA 15 US CODE1681s -2- and US CODE 1681 ( a ) ( 4 ) your company is in violation thereof. 
To conclude, Im exerting my consumer rights under the law to demand that this account be deleted from all 3 credit bureaus.

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 2018-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to transfer money from one account to another account of the same institution and used the option " XXXX ''. The transfer requested either an email address or telephone number. I chose the second option because the intended recipient used telephone option. 
I mistakenly transposed the last digit in the telephone number and the money was sent to an account in a different financial institution. 
I was using Wells Fargo online for the transfer, both my account and the recipients account are with this institution. 
The transfer went to a XXXX account. 
I contacted Wells Fargo one hour after the transfer which was done on XX/XX/XXXX and initiated the complaint! On XX/XX/XXXX the intended recipient and I spoke to a Wells Fargo banker on a conference call in which the transposed digit error was determined to be the problem. I was assured that the error would be addressed and funds returned in 1-3 business days. 
I now have been informed by Wells Fargo that they can not get money back and that they only contacted " XXXX '' to verify that the funds were delivered and that neither they nor XXXX can do anything more. They suggested that I contact the number used in an attempt to secure return of funds. I was told by Wells Fargo that the receiver must initiate return of funds! I asked for the account information associated with transfer and was denied and informed that they " Wells Fargo '' did not contact " 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 2023-06-21
Company: Reliant Capital Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company has repeatedly contacted me after I have told them to stop. This is a false debt by the University of Massachusetts. I was VA XXXX going to school with my Post 9/11 GI Bill. I had a medical withdraw from my VA therapist which was approved by the school. They tried to charge the VA for that semester and it got denied. They then tried to charge me and gave this collection company false information. I dont owe this university any money. I have ceased going to school because of this, and other political topics I was forced to write. This is a false debt by a scamming university!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have sent out several dispute letter to transunion on several occasions and made them aware that they were in violation of several of my consumer rights. they steady sent me documents stating that the information was verified and accurate. i sent a dispute letter first to them 90 days ago, again 60 days ago and again 30 days ago. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

Fact, has proof as seen in attachment labeled EXHIBIT A. That Transunion is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided Transunion with written consent to report anything on my consumer report/file. When there is no consent that is identity theft.

Fact, proof per attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not
validate this debt.

Fact, has proof in attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well Transunion Transunion violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due.

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 2021-02-09
Company: Experian Information Solutions 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:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores 100 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 2020-11-25
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received mutilply calls from a collection agency I answered and was told this is attempt to collect debt I advise I would no longer want to receive calls from this company contact me through mail only and I need a validation letter of debt sent to my current address I havent received the letter nor have the calls stopped the debt is still on my credit report negatively impacting me and slowing down my house search progress in such a hard time with my lease end date approaching and pandemic rising in my area I need this to be remove immediately! Thanks so much for your help

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 2018-02-20
Company: LOAN TO LEARN
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a XXXX or Loan to Learn private student loan for 8000 approximately. I was paying out of state tuition at the time and had to get. Private student Loan. Once I graduated XXXX contacted me to set up payments. I sent three payments with money orders. My fourth payment got sent back to me and so did the fifth. I contacted them and I was told that my loan was bought out. I was told I would be contacted on who to send payments too. I was never contacted. I then got a judgement placed under my credit which is triple the amount borrowed. Now I make payments to a lawyer. I have not received tax forms. I am unable to talk to someone about the balance, tax forms, and possibly a pay off amount. On the website the phone number is not valid. It only provides an email address and I have used this method of contact several times and only get told tax forms were mailed yet I never received mine. I ask more questions and never get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX XX/XX/XXXX 4. XXXX  XXXX na XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX XX/XX/XXXX FOR {$68.00}

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 2021-02-09
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Chime. 
Things were okay until They accepted my benefit payment from DC unemployment. 
I received a message saying my account had been flagged and a hold was placed on my account pending verification of additional documentation they requested. I provided and received confirmation the documents were accepted and reviewed. 
they closed my account, blocked my phone number from being able to reach them via phone and sent a message saying they would not be giving me my money nor providing any additional information.

Company response to consumer: Closed with explanation