BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I requested credit investigations as XXXX  and Trans Union. Since that time, my husband has received his results, but I still haven't received anything in response. XXXX   and Trans Union were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.

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 2021-06-08
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:
I have sent numerous of letters explaining I am a victim of identity theft along with copy of valid documents. I have sent letters in XXXX, XXXX, XXXX and XXXX to plead with bureaus of fraudulent accounts. 
I have filed police report of my information being stolen, I also explained when I have moved to the United States. There was no way I could have applied for such accounts, theres also another person name listed to the account. 
My pleas are being ignored but a automatic system.

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 2020-04-16
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, there was a XXXX collections dated XX/XX/2017 with the original creditor being XXXX XXXX and subsequently sold to Allied Business Services. During the phone conversation with them, they agreed that this collections would be a pay-to-delete. However, they have only relayed " Paid and Closed '' on my credit reports. I have relayed these messages to Allied Business Service and they are insisting that they do not delete from credit reports. I have also disputed this with the appropriate credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The dispute numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.

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 2021-06-09
Company: ALLIANT CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for the loan on XX/XX/2021. To this day, XX/XX/2021, I have not received any definitive response to my application. Throughout these 5-months, numerous requests were made for additional information, even though that information was previously requested and provided. Every one of my requests for a date to conclude this process were met with reference to the " underwriters '' need for clarification and additional information. Last date for the settlement of his loan was XX/XX/2021, set by the Alliant representative. My inquiry on that day was rebuffed by the Loan Processor : " I am still waiting to hear back from the title company, I will be in touch as soon as I hear from them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I went to ( XXXX XXXX ) on XX/XX/2020 to acquire a 2020 XXXX XXXX limited for {$34000.00}. I was informed that the so called lender couldn't not finance the entire transaction ( XXXX XXXX XXXX ) but only partially. From my understanding as a consumer and creditor to the account, the approval of credit transaction comes directly from me, given my right as creditor to defer payment, my security interest given in the contract, And my status as consumer also clarifies this fact. Live communication was given to explain this to the so called lending institution. The purchase of the security by a third party is in fact a credit sale on my behalf by the dealer ( XXXX XXXX ) to ( XXXX XXXX XXXX ) a third party labeled as a debt collector. In return i should have received my portion of the claim via my security interest given within the contract, and my property being the automobile. Also the companies Transunion and XXXX have inaccurate accounts posted on my report and have yet to furnish my permission of the report or the name of the individual who reported the information to them. This has made my ability to obtain credit extremely difficult.

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 2020-04-06
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
K on XX/XX/XXXX i bought a net spend prepaid card to make my car payment i activate it tried to process it it was declined multiple times. I then tried to make a instore purchase it also declined. I paid XXXX cash on the card and wasnt able to access my funds. 

I called the company to see what was happening. First came up the automated system saying my card still had a ballance of XXXX. So i got to a representative they asked for my information i gave it and they said oh i see this needs to be sent to our second leval representative funds are on hold and we can't do that for you. 

So im transfered and they said yes mrs XXXX your funds are on hold to verify your information and release your funds you are required to send us 3 forms of id and a copy of your social security card. Copy of my drivers license my birth certificate and another photo id which i had a passport I said no i want my funds and my card should be working just fine i activated my card as i was instructed. 

Then they said well we cant do anything for you untill you submit your information. Then the conversation was over. 

I called back several times being told the same thing from other representatives. I recorded one conversation and filed a complaint with the FTC. 
Who said i needed to file with you to get this handled. Still after a month of no response or help i called the FTC directly and told me to contact consumer finance. XXXX : XXXX video recording

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 2021-10-05
Company: U.S. BANCORP
State: MO
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I went to U S Bank XXXX at XXXX XXXX XXXX XXXX to acquire a checking Account for My XXXX XXXX XXXX ( XXXX XXXX XXXX ). The Customer Rep said the account could not be open because it was the policy not open accounts that owed the bank money. But the Rep didn't give me a decline statement. The recovery debt department later ask why I had not paid the charged-off items in questions. I answered XXXX XXXX XXXX and a deceased wife that gave all her money to her children. The recovery Rep then reduced the debt from {$600.00} to {$200.00} but bank did not allow the opening of a business 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 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capitalone credit card, # XXXX XXXX XXXX XXXX. 
I kindly resquest to investigate Capitalone credit card for abuse, manipolation y harassma thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Thursday XX/XX/2019 we noticed {$1200.00} was taken from our checking account and was being sent to XXXX XXXX where we have our mortgage. Our mortgage is $ XXXX  monthly. Thinking we had forgotten to pay it we transferred another {$870.00} from our savings to make up the difference. It was all " pending '' to XXXX. I realized that I had received an email that we had ALREADY made our mortgage payment on XX/XX/XXXX or XX/XX/XXXX. XXXX is NOT authorized to take monies from our accounts. We make our payments ourselves through bill pay. We quickly went to Huntington Bank in XXXX on XXXX XXXX to request a stop payment. The banker we saw said he wasn't sure he could stop the payment but he would try. I asked what further steps we could take ... was there some federal agency or something that could help us? He didn't know. I consider this to be mortgage fraud. Checking out XXXX account today, the monies have not been received or distributed to our UP TO DATE mortgage. We don't know where the money went or why Huntington allowed to money to be taken from our accounts. My husband went back and I believe he opened a new checking account with Huntington in case this is a scam. Huntington is responsible for giving out {$2000.00} of our money without our authorization or permission. We are XXXX  citizens living on a fixed income. That money should be put back into our Huntington accounts or given to us in a certified check. How are we supposed to live if they just allow our fixed income to be taken out without our permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Per the Fair Credit Reporting Act ( FCRA ) section 611 the credit reporting agency is required to give me the method of verification used for a dispute that they stated was verified no later than 15 days of my request. I am exercising my rights under the FCRA section 611 by requesting the method of verification used for the dispute Experian stated was verified and accurate. Report number XXXX, Account XXXX XXXX XXXXXXXX, Date XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: GENERAL BUSINESS RECOVERIES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a negative item on my credit report. It shows up from General Business Rec # XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ) It was placed for collection on XX/XX/XXXX. The balance is {$500.00}. The original creditor is XXXX- XXXX XXXX XXXX ( XXXX/XXXX  XXXX ). 

In XXXX I was at the XXXX  Arizona VA XXXX XXXX XXXX. I was transformed without a choice to a private medical facility in XXXX XXXX, Arizona. I was charged for the ambulance ride. I contact the Veteran Affairs 800 number yesterday, to which I explained the VA is supposed to cover transfer expenses in these types of situations. 

As the debt is almost 7 years old, it will clear eventually. However, I should never have been issued a bill for this, and this company does not have the legal right to collect on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
PenFed used to be a great company but they have become very shady lately. I applied for the XXXX XXXX and was approved. The card advertises that it will pay for $XXXX of incidentals for domestic airline purchases. I made two purchases with XXXX  that should have qualified for this credit. The credit never posted. I called in today, XX/XX/19 and it was clear that the customer service rep was completely clueless about the benefit and that PenFed had no intention of applying this credit - seems like false advertising to me. She sent me to the rewards department who couldn't help me and tried to send me back to customer service. It is clear that this advertised benefit is not real and PenFed is deceiving customers.

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 2022-04-04
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:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$17000.00} XXXX/XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$990.00} XXXX/XXXX XXXX {$3100.00} XXXX XXXX {$3100.00} XXXX XXXX {$260.00}

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 2018-05-24
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I requested that XXXX XXXX XXXX validate the alleged debt. I also request The last payment and the date of the delinquency.XXXX XXXXXXXX was informed that they are past the 6 years statute of limitation to process a collection in court. XXXX XXXX states XXXX XXXX questions whether the account is collectible due to the expiration of the statute of limitation ( SOL ). A review of XXXX XXXX records indicate that the statute of limitations expired XX/XX/2015. 
I agree that XXXX XXXX can not acquire a judgment through a civil court process. Tennessee Code annotated Title XXXX XXXX. Tennessee allows 6 years SOL. The reporting of the information to credit bureaus is 7 years. One year after the SOL expires. Midland has past the legal reporting date approaching 2 years. This matter can be resolved by deleting the information from all three credit agencies. This will be in compliance. I believe that Midland is re-aging the account. and reporting it to all credit bureaus as accurate. Midland adheres to the SOL in Tennessee. Midland review there own records and concluded the SOL have expired in XX/XX/2015. Negative credit reporting is 7 years from the last date of activity. Midland conceded to knowing that the SOL has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks from my HSA account into my Wells Fargo account & they put a hold on my checks. They didnt even allow me to have the first {$100.00}, they said my XXXX  XXXX XXXX XXXXHSA account is closed. Its not & they can simply call and find out. I need XXXX on XXXX  & I need to pay my provider. The office doesnt take checks, and my debit card hasnt arrived. Wells Fargo is stopping my health and causing me more pain. Wells Fargo is being discriminatory against 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 2018-07-25
Company: EQUIFAX, 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:
I have never been late on my payments with XXXX XXXX XXXX, sent dispute letter to all 3credit agency, they did not verify it, still reporting that I have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Company claimed to have served me at my home. They lied i was in county XXXX  from XX/XX/XXXX. Through XX/XX/XXXX. They claimed to served me at home XX/XX/XXXX. This is fraud. They even submitted fraud documents through courts. My wife has never heard any contact from this company either. You can confirm i was in jail in XXXX county Florida at XXXX please help to send me lawyer that specializes in illegal collection 's. I will still file on my own if needed. I've sent demand letter to Jefferson capital systems llc and have copy for courts please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from XXXX XXXX ( XXXX ) at XXXX XX/XX/2018. She claimed to represent Portfolio Recovery. I get calls from these bottom feeders from time to time. I do not owe money to anyone, my credit score is over 800. I'm on the do not call list and she called me on my business phone. I don't have time for this nonsense, please make it stop.

Company response to consumer: Closed with non-monetary relief