BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

Sincerely, 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 2021-06-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No known knowledge of the collection/charge-off for {$120.00} that was created on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
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.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had Citi Student loans. Some where transferred to XXXX  ( $ XXXX ) some transfered to XXXX XXXX ( nka XXXX ) ( $  XXXX ) and Citi continued to service some, then it was transferred to XXXX and the Citibank payment website closed down and directed all visits to XXXX. I continue to pay all those servicers and I am current on all of them. I noticed a Citibank student loan on my credit report ( about $ 27k ), I called Citibank about it, and then said XXXX will service it, that they no longer service loans. I continued to pay my XXXX payments as directed on time. I called XXXX   they said they have all my loans from city ( which was about 7k ) I figured it was rolled up in my XXXX or XXXX. As there was no other servicer for me to inquire about. I recently checked my credit and its still showing up now delinquent and sent to collection. XXXX, XXXX, and XXXX know nothing about it and Citi doesnt service loans. How can I pay a loan with no servicer? Im confused, and dont know what to do now.

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past 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 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After bank of America changed online access security ; I attempted to pay my monthly statement online. And, I was not able to access the account online. I called Bank of America to pay the monthly minimum, when the agent informed my social security number did not match what Bank of America had on file. I informed the agent the number I was giving the agent was correct. However, the agent informed he was unable to accept the payment. The agent informed I would need to download a form from the website and send the completed form to Bank of America. I also went to a branch to pay my account. However, I was told the account could not be retrieved with the social security I presented. I completed the recommended forms twice. Currently, Bank of America is assessing the account late fees, over-the-limit fees. This situation has been going on since XX/XX/2017. Now, I am receiving letters from Bank of America threatening to charge off the account. And, Bank of America has submitted negative credit reports to the 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 2022-12-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account was wrongfully added to my XXXX credit report, without any validation of the account legit and truly belonging to me. I filed a dispute with XXXX and they have refused to remove the account from my report, because my name and address was " verified '', However, This doesn't prove that the account is mine. 
I would like to have this account removed from my XXXX credit report immediately.

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 2019-11-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove all alerts/fraud remarks on my credit reports as soon as possible. 


I've attached my ID Card, SSN Card, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened : XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX 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 explanation
Consumer complaint received 2022-08-31
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-08-31
Company: Experian Information Solutions Inc.
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 XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 sec 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 6040Section 2 : it also states a consumer reporting agency can not furnish a 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 2022-08-31
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: Public record information inaccurate

Complaint:
please see attached - I have made multiple attempts to have the item removed with a resolution from only 1 company.

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 2021-04-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called several times to get on a RPP. I advised them I was not able to afford to make a RPP with late fees and other fees. I advised them if they could remove the fees from the RPP. They refused too remove the fees. I been trying to make monthly payments on the acct. After they not approving an affordable RPP my account has not gone into FCL and will not accept a pmt. They are requesting for me to RI, I advised them I don't have 6 pmts plus fees at this time. I need to see if they can take 4 payments to take me out of FCL and he said no. I can only RI account. I need the Investor information and the Attorney contact number because I am not going to lose my home. I don't have anywhere to live and I can afford my payments every month. its just hard to bring acct current.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contraction the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.

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 2023-08-13
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Was not able to refinance and now they say I owe XXXX more payments.

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 2022-08-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, Our XXXX was totaled after 5 days at the fault of another driver. On XX/XX/XXXX, the insurance company sent the payment to Ally Financial. Ally Financial received an additional payment from the dealership and XXXX also refunded an amount. In addition, I also made a payment on the car as the payment became due. Ive been calling Ally about the refund for over a month. No one can give me an exact amount of what is owed to me, only an estimate of {$2700.00}. I keep asking for a my money back, but they only respond that they will escalate the issue. Ive had about 15 escalations, 3 requests for supervisor call backs with no call returned, and XXXX payment made to me. They continue to hold my money and I would like it returned and not escalated to an imaginary person. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello, I am submitting a complaint regarding a dual transaction for rent in the month of XXXX, 2019. My leasing office, XXXX XXXX, charged me twice for rent and I disputed the second charge with PNC Bank. I am disputing this second charge of {$1500.00} because PNC Bank provided me with an initial provisional credit for the amount. PNC reversed my credit because the bank claims it sent me a questionnaire requesting additional supporting documentation. In my initial dispute filing, I provided the contact information for the rent manager at this property because she agreed to communicate with PNC to confirm that the leasing office does not have a record of that payment. PNC neglected to contact the rent manager and is denying my request to file a new dispute to recover the funds because their 120 day period for dispute filing has closed. I never received the initial questionnaire PNC claims to have sent via mail and the bank did not share any reminders or an electronic form of the questionnaire even though I previously elected to receive electronic communication. Mail is frequently misplaced at my apartment complex and I still have yet to receive a questionnaire. I have visited a local PNC branch several times in an attempt to re-file the dispute but this was unfortunately not possible due to the 120 day time frame. I have included evidence of the double payment as well as information regarding my communication with the leasing office to request that PNC fully and permanently credits my account and removes any associated overdraft fees. 

Thanks for your support in advance and please inform me of any updates. 

Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXXBalance : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXXBalance : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXBalance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX  XXXX  XXXX : {$800.00}

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 non-monetary relief
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been disputing these accounts that have been reporting the wrong amount, dates, etc of accounts for over 1 year. If these accounts are not reporting 100 percent accurate, I am requesting immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I just had ask them to remove late payments off my credit report because a lot of this was during the pandemic and I was struggling. Now I make my payments on time and I would appreciate it if they remove them.

Company response to consumer: Closed with explanation