BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I am writing to file a complaint against a collection agency, XXXX, Trans Union, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to XXXX, XXXX, and Trans Union. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information.

3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information.

4. XXXX Credit reporting- XXXX XXXX  XXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-10-21
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: Information belongs to someone else

Complaint:
On my Transunion credit report, there is a bankruptcy on it but it does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Square Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I added a XXXX XXXX  cashback offer to my card and then made a purchase at the relevant merchant for {$19.00}. Before that transaction went through, the merchant put a {$1.00} authorization charge on the card, a normal practice for many companies, which was quickly reversed. The cashback offer was applied to the authorization rather than my purchase. My XXXX  had the exact same issue for her own {$19.00} purchase with the XXXX XXXX cash back offer. I contacted support and was given irrelevant copy-pasted information for XXXX  days until someone finally paid enough attention to understand what my problem was. At that point they essentially told me " XXXX XXXX  '' and ended the conversation. 

If the company is going to act like authorization charges count as the cashback purchase then essentially nobody that ever tries to use the offer will ever get cashback and the company is committing wide scale fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On X/X/2017 I opened an XXXX checking through their website using the link provided on their site displaying a promotion for opening a new account. The promotion was for a {$300.00} bonus after opening a new account with an opening deposit of {$300.00} and two direct deposits of {$100.00} in 60 days. This promotion is STILL being offered on their site ( with different terms ). I met all requirements and they refuse to give me my bonus. I 've contacted them several times. The first time they responded saying the bonus was on my account and I would get after meeting requirements. The second time they said I applied after the expiration date??? which is NOT true. Now, after a third time they tell me the reason i 'm not getting it is because I needed to have a direct mailer which is also NOT true. I had a friend do this without a mailer and they got the bonus. The offer does not state you have to have a mailer. It says bring a mailer in OR apply online using code XXXX, which is what I did. Everytime I get a different excuse! The offer was on my account, their agent said so! I 'm in middle TN so I 'm in the target area too. Stop giving me the run around, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company named XXXX XXXX XXXX XXXX. Said they sold my debt that i dont have with them to Wakefield and Associates , LLC . And i have never in my life even heard of this supposed medical group and they are stating that i owe {$2100.00} since XXXX XXXX and i do not owe them anything i have never been to this place or requested any services from here and do not want this to affect my credit because i read the reviews on this place after i got the letter and everyone is saying that this affected their credit score and they never had anything to do with the company just like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: DE
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 noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. XXXX  and Experian closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. XXXX  and Experian should be diligent in processing disputes, making sure to report only information that is factual and has been validated.

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 2022-03-08
Company: EQUIFAX, INC.
State: MO
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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: Account information incorrect

Complaint:
On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I deposited a check into my account using US Bank ATM. The check amount was {$2500.00} but the ATM machine read it as {$3500.00}. The about written in words was clearly {$2500.00}. So I deposited the check for {$2500.00}. 4 days later on Saturday I received a letter in the mail from the bank saying that they reversed the whole deposit and none of the funds are available in my account. From what I understand if there is a dispute the amount written out in words should be controlling. However US Bank chose to make {$0.00} available to me. And the first time I found out about it was on Saturday when the bank was closed. I called customer service but the lady on the phone said there is nothing she can do and that she ca n't even see what was done and that I need to go back to the bank on Monday and try to present the check again. I need to have the funds in my account asap and there was no reason for the bank to deny making funds available to me.

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 2019-05-12
Company: Financial Asset Management, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received an installment loan from Check City to cover medical expenses. I was making my required payments and paid off my interest balance. However, I fell into trouble into paying my biweekly payment. My wife had XXXX and was off of work for a month. I tried to negotiate with Check City to allow me to pay my remaining balance of XXXX by making payments of XXXX a month. They refused and demanded I make the required amount of XXXX bi-weekly or they will take me to court. I stressed to them that I was willing to pay balance but I needed some leeway on payment arrangement. I couldnt afford XXXX on a bi-weekly basis until my wife was back at work. They staff told me if you can not meet our expected payment of XXXX bi-weekly we will see you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Brightfunders, LLC
State: AL
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:
On XX/XX/XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XX/XX/XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, XXXX and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My HELOC balance, $ XXXX is the result of a construction of a bathroom going bad. I do have a judgment from a California court, but the contractor is not paying and dragging us for past 8 years. I have my mortgage with XXXX and I did have my HELOC with XXXX too, but US Bank lured me their program which I did. I am a XXXX year old single mother with a rare XXXX XXXX  frequently under XXXX ( just finished a XXXX XXXX sessions ). I am also the sole caregiver for my XXXX year old parents. I also have a son on XXXX XXXX ( XXXX XXXX ). My XXXX tax return is $ XXXX, which is under poverty line. My HELOC interest rate right now is 3.99 % which is {$750.00} p/m just for interest. It is going to mature in a few months, meaning interest + principle which I can not pay during my hardship. I started the process last year ( XXXX ) with US Bank . They have requested so many documents which I provided. My file is with their Loss Mitigation Dept.! There has been at least 5 Relationship manager for my case! They keep denying me even though my  first mortgage with XXXX is re-structured by HAMP. I am trying to create more income, so I have rented two rooms in my house, I even provided my Food Stamp ). They keep rejecting me and suggesting to submit the hardship package again ( 3 times of submitting the package so far! ). Other banks have programs for their HELOC, not US Bank. I have lived in this house for 21 years and I have no intention of getting out of my house. Please help me during this hard times for me and my family ASAP, before the re-structuring starts, because at that time I can not afford to pay the monthly installments. consequently, I will lose my home. Please help me.

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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 submitted a dispute as I was never late on my Capital 1 Lord and Taylor credit card in XXXX, as they reported. They responded by incorrectly changing the " late '' date to XX/XX/XXXX, but the records clearly show I had zero balance in XX/XX/XXXX. 
This is not right and needs to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
There was a credit card opened up in my name back in XX/2014 with XXXX XXXX XXXX XXXX which i have never had an account with them ever in my life i am wanting this company to get rid of the negativity off my transunion report and delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already explained that the account was opened by me. However, the charges for gift card that started on XX/XX/XXXX are not mine. I have explained that my identity was stolen. I am not sure what to do anymore. Company is refusing to accept that my identity was stolen. If they insist that this is my debt, then provide proof that I made those purchases. I can provide anything they want, go to trial if needed. I am not worry about going to court about this. You can request video footage of whoever made these purchases and prosecute. I did not made any charges on the account from XXXX and on. You will also see that other accounts were used to make payments from this date on. Accounts not under my name, from the person who stole my identity. I was told by Capital One, that the bank account making payments in my credit card was not even in the same state as me. I even recall a phone call where they told me that they would contact the fraud bank to track down who the owner was, I never heard back. I already submitted a police report, an identity theft report, letters, and nothing is being reviewed. They just sent me a letter that they have finish their investigation and have decided that this is not identity theft. No proof as to why. I need this company to stop collecting from me. I do not owe this debt. They can not provide proof that this is not identity theft. I am providing everything I can. It is not correct for Capital One to decide that they will continue to charge a debt that has been proved to be identity theft. My next step will be court, I have my documentation, if you guys bother to review it, you will see that the charges on the account from XX/XX/XXXX and on changed and suspicious activity started. Before that, the account was always in good standings. Again, I am willing to take this to court if needed. 

Letter 1 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
Letter 2 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
CFPB complaint was already submitted on XX/XX/XXXX and company decided on XX/XX/XXXX that it is not identity theft. Despite proof of all the contrary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel room with air miles on a different credit card. The only reason I needed a card when I checked in was for incidentals. The only incidental charge on my account was for a meal in the dinning room. I was charged an additional {$650.00} by the hotel for no reason and my credit card company is refusing to investigate the issue. I have asked them 8 times to discuss the matter with me and they have refused to have an agent call me. I have had to reopen the case 4 times and still nobody will call me or look at my evidence which says PAID IN FULL from the reward miles booking. I had never authorized them to charge my card an extra {$650.00} after paying for the room in full. My reservation clearly says DOUBLE XXXX XXXX and I was given a double garden view and charged an extra {$650.00} without authorization.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this 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