BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears that the payment was incorrectly applied when I made an early payment. A full month 's worth of interest was charged ; however, the payment was made on the XX/XX/XXXX. Interest was prepaid at the inception of the loan for the five days in XXXX. The interest should be {$620.00} ( 4.75 % * ( 16/360 ) ) conservatively. Instead, the full {$1100.00} was accrued against my payment. Further, my second subsequent payment was made on XX/XX/XXXX and I was charged a fuIl month of interest, which is essentially double-recognition by Wells Fargo. All the interest charged has not been earned by Wells Fargo and should not be charged from future periods. Please let me know if you have any questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Revenue Corp is reported me to XXXX but I have never used any services from them or their affiliates. I asked them to provide me documentation of this debt so I can turn it over to proper authorities. But to no avail they did not do so. I verified my Idenity and current and previous address with them but the address they have for me I never lived there. I told them it is mistaken Idenity but the refused to notify XXXX to delete the accounts. They are on my credit report 4 times all different accounts.Account numbers are as follows : # XXXX # XXXX # XXXX # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
having my information taking by some and them using it to demolish my good name credit report is a problem i have been trying to fix and i am hoping submitting this report will help to removed and prevent my identity to never be stolen and for someone to be able use it again.. please help by removing those bad debt of my credit.

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 2021-08-10
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: Investigation took more than 30 days

Complaint:
I have disputed accounts that are inaccurate and unverified on my credit reports multiple times, and the credit bureaus have only marked the item disputed. I have never received results from the bureaus, and I have never received any information about the accounts at all! I am really upset about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have reached out to Transunion and XXXX regarding inaccurate, and erroneous items on my report. Each time no information was provided to me how they verified each item. I mentioned to them I was apart of the XXXX data breach as well as a data breach through XXXX XXXX and Im afraid my information feel into the wrong hands. I provided detailed information on the inconsistent information on my report. These items are injurious to my 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 2022-12-11
Company: Maximus Education, LLC dba Aidvantage
State: IL
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 U.S. DEPT OF EDUCATION/XXXXXXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B

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 2022-10-05
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX  SELF-REPORTED XXXX Balance : {$260.00} XXXX  SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$400.00} XXXX XX/XX/2022

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 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went online and selected the option to pay the balance in full on all 4 cards and now Im getting statements saying I still owe them money. I talked to supervisors XXXX ( XXXX ) and XXXX ( XXXX ) who stated the only place it says that when paying that amount is on the back of a statement. Which would be fine, but I chose to pay the cards off but when I did so it did say this doesnt include daily interest it just let me pay the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Equifax are not following the guidelines of the FDCPA when it comes to investigating has been over 30 days since disputed several times remove or update payment on account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I've sent three emails with no response on XX/XX/19, XX/XX/19 and XX/XX/19. Company reported information for employment back ground past states statute of limitations causing me hardship..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged {$12.00} fees every month for years

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 2022-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I noticed a few inquiries on my report I do not recognize

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 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 contacted Capital One on XX/XX/XXXX to inquire about a dispute with Payless XXXX XXXX I was informed that my dispute was being investigated as a fraud case ( a fraudulent charge ) as opposed to a disputed charge case. The Capital One representative informed me that the case needed to be moved from a fraud investigation to a dispute investigation, and she assured me that she would take care of that. 

I received a collections letter in the mail from Payless XXXX XXXX on XXXX XX/XX/XXXX for approximately {$1300.00} more than what I actually owe on the rental. 

After receiving the letter, I called Capital One again on XX/XX/XXXX to ask about the progress with my dispute case. Capital One informed me that the case was still being investigated as a fraudulent charge instead of a disputed charge, and that was causing the delay. The Capital One representative explained to me that a new dispute case could not be opened until the fraud investigation was closed, and because Payless XXXX XXXX  had not responded to them about the fraud investigation, Capital One was not capable of starting a dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
not getting any response after numerous request and disputes I am writing to request the method of verification for dispute initiated and the subsequent response received by you.Re : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number XXXX XXXX Please remove it from my credit report.

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX  Please remove it from my credit report.

Please send the following information used to verify the validity of items above. 

The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ; Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) I demand removal.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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 status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2022-12-11
Company: Factor Trust
State: NV
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:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: First Federal Credit Control, 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:
I had a XXXX procedure on XX/XX/XXXX. Insurance paid benefits, and I paid the balance. {$500.00} of the bill was excluded from insurance coverage because the procedure was disallowed, as it was incidental to the billing code that was paid. At the time of the XXXX, XXXX XXXX, XXXX, was an employee of the doctor doing the procedure, and was paid by his office. She subsequently left the doctor 's employ, and attempted to collect the {$500.00} that was disallowed. I refused to pay her bill, as she should have been paid by the doctor, and her dispute was with him. 


2 years later, in a letter dated XX/XX/XXXX, First Federal Credit Control , Inc. a debt collection company, wrote that XXXX XXXX, XXXX, referred my account to them for collection. On XX/XX/XXXX, I asked my husband to call First Federal to dispute the validity of the debt. He spoke to XXXX XXXX, and gave her the information, and faxed her proof of the debt not being valid. Neither Ms. XXXX, nor anyone else has been in contact with me by mail, phone, fax, or email since. 

We contacted the appropriate credit reporting agencies and filed a dispute. We are in the process of purchasing a home, and when our credit was pulled recently, the invalid collection was still being reported. My husband contact Ms. XXXX again in the last few days to get this matter resolved. She declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: M.A.R.S., Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This inaccurate debt from MARS LLC is reporting on XXXX, XXXX  and XXXX  credit files. I have never requested credit or services from this creditor nor their affiliates. This debt does not belong to me. It reports that I co-signed but I never agreed to co-sign for anyone on any debt. I asked for the original contract bearing my legal signature along with copy of drivers license and Social Security card which should have been provided when the alleged debt was created. However, I got no response. None of this documentation was provided to me. The amount reporting owed is different with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted TransUnion to withdraw the released/paid tax lien from my credit report and they refused. Although XXXX has removed it upon dispute earlier this year. Not sure about XXXX. There is no balance of {$1300.00}, as shown in the photo provided. Nor is my name listed with the XXXX XXXX XXXX XXXX as oweing a debt. That photo is also attached. The lien is impacting my ability to secure better interest rates on needed credit approvals for XXXX XXXX for needed dental procedure, auto re-financing which is currently at 17 %, and my future home purchase, as my current landlord is selling his property, and not extending my lease. That occurs in 8 weeks. Please, That 's a lot of financial obligations going on all at once. This lien impacts my future heavily, and its been paid off for 4 years. Due to these reasons provided, I would like the lien withdrawn from TranUnion and XXXX ( if it 's also listed there ) immediately. 
Regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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: Public record information inaccurate

Complaint:
Dear Sir or Madam of the CFPB, As of XX/XX/XXXX I have submitted multiple requests to TransUnion requesting the removal of inaccurate public records on my credit report. 

On XX/XX/XXXX, TransUnion admits to using a third party to me on their recorded line yet refused to provide me with the data furnisher information to correct and have these two public records deleted that are inaccurate.

The CSR for TransUnion clearly stated that they do not/ did not verify the information of the tax lien and bankruptcy record with any court nor the court TranUnion has listed as the data furnisher. 

Without such information and TransUnions refusal to provide such information, I am unable to correct the errors and continue to suffer. 

TransUnion is not in compliance with NCAP as it relates to these 2 public records appearing on my credit report.

TransUnion has refused to provide contact information for their third party data furnisher after requesting how the two records were verified. This is in violation of the FCRA. 

I have personally spoken to both Court Clerks for each respective erroneous public record entry and confirmed with the Clerks office they DO NOT VERIFY Public records to ANY credit bureau. My personal information, including my address and SSN are not in their records. 

Please investigate and assist in resolving the matter.

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 2023-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was forced to expend the XXXX dollar credit given by AOL chase card in XXXX  because of a US CBP criminal XXXX XXXX harassing me at XXXX XXXX  and forcing me to sign I-407. This has happened because of fraudulent sun.com accountants did not want to pay me my capital or retirement or employ me when i complained in XXXX

Company response to consumer: Closed with explanation