BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21

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 2022-08-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
XX/XX/2022 I called Western Union and was told that I would have to pay them {$15.00} for a copy of the money order that was stolen and cashed by someone during transit from the post office located on XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I should not have to pay for fraud that was committed by someone. They refuse to tell me who cashed the money order which is needed to file a police report. The money order is for {$20.00}, ( XXXX money order serial number ) and they want me to spend {$15.00} for a copy. A friend had a money order stolen and cashed also and paid {$15.00} for a copy of the front and back of the money order and Western Union kept giving them a blank copy of the back of the money order. They refused to show who endorsed and cashed it and kept giving excuses on why they couldn't provide this information. 

Please allow 6-8 weeks for processing this request. You will be notified by mail with one of the following search results : 1. Item cashed - You will receive a photocopy ( front and back ) of the cashed Money Order. 

https : //www.westernunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 mailed off letters to transunion disputing a few things and they send back a letter that is actually illegal according to a fcra lawyer. I am attaching copies of that letter a long with the letter I sent to transunion that they claim looks like it didn't come from me. The letter they sent to me was dated XX/XX/2022 so that means they have until XX/XX/2022 to investigate or delete it this is a law. I am a consumer and the law states I have the right to dispute anything on my credit report and transunion has to investigate it. Enough with the games, what is it going to take to make them do their job? Again if this is not investigated and completed by XX/XX/2022 then again by law it has to be removed. The first letter is the illegal letter transunion sent me and the second letter is the letter I sent transunion

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 2021-11-30
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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Tired of wasting my time and spinning my wheels to get this fixed! My issues with all credit agencies have fallen on deaf ears. 

Two Auto loans were PIF and I refinanced with another Loan company. TransUnion has continued for two months to report this information incorrectly. The have NOT corrected the errors on my credit report at all. See photos attached. 


The have increased my debt load by 33 % on my account page as well giving a false and damning picture of my credit. My credit is stellar!!!! Not what TransUnion and its false information is portraying. XXXX XXXX and XXXX XXXX have both already reported the Pay Offs on these accounts, however, TransUnion continues to increase my debt load on my report and post false information ... ..for TWO months.

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 2021-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692. 
I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure in which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Harpeth Financial Services, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
i took a line of credit with monthy payments, after i thought i paind the loan off they said it was all intrest, thats not what the loan offiver said i resurched and found out it was 399 % intrest and nothing went to the principal and thats not what i was told, also i call and asked y they didnt tell me it was all intrest and the represenative said we gotch ya

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 my billing period ended for my Citi Double Cash Card. I had Cash Rewards accrued in the amount of {$63.00} which I redeemed for a Rewards check to be sent to my mailing address. However, I did not receive the check and approximately 3 weeks later, called the company to resolve the issue. They said I would instead receive a direct deposit against my credit card in the amount in question. However, a week later I received a letter stating that they are unable to stop payment on a check and reapply the credit on my account, and that a rewards check would be sent to my mailing address. I again called the company, and they stated a direct deposit would be coming. However, I again received the same exact letter, and am frustrated by the experience.

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 2020-05-07
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: Account status incorrect

Complaint:
I have been working to raise my credit score for some time now and over the last 8 months the score has been going up steadily as i paid off more and more of my credit card balances. as of the XXXX of XXXX my score had been going up steadily, then on XX/XX/XXXX it suddenly dropped on equifax and XXXX. The notation on the XXXX  report said " no changes '' however, the equifax report said that the only thing that changed was that my XXXX XXXX XXXX   account had gone into forbearance. My wife and i had requested this due to her reduced hours and it had been requested specifically in reference to the CARES act and was requested on XX/XX/XXXX. The only thing that shows as a factor on my credit score drop is the XXXX XXXX forbearance and if that is the cause of the 33 point drop, that is illegal. The CARES act specifically says that forbearance initiated Due to COVID-19 can not be used negatively on credit reporting. I already spoke to XXXX XXXX  and they said we aren't the only ones reporting a drop in credit score when none should have happened. This is troubling because i need my credit score to be higher for the coming year for very specific reasons and we were told and i did the research that credit scores were not supposed to be affected by forbearance requests in relation to COVID-19. This is absolutely important that this get straightened out as soon as possible ... 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to 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 2022-08-10
Company: EQUIFAX, INC.
State: OK
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/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Per our conversation with XXXX XXXX at Wells Fargo Executive department on Friday XX/XX/XXXX, I have attached the additional documents that are pertinent to resolving our mortgage matter. 

XXXX XXXX 's email to us as customers last month was " Wells Fargo is committed to making things right with our customers. '' After speaking with you on the telephone Friday XXXX/XXXX/XXXX, that is not the sentiment you expressed. You still emphasized that Wells Fargo does n't select the contractors. That is not the point at hand. 

We could not have our closing until we meet Wells Fargo 's requirement to select a contractor that meet Wells Fargo 's protocol for validation. We did not know XXXX XXXX prior to this transaction. 

I was ensured by XXXX XXXX XXXX at the Executive Wells Fargo 's department on XX/XX/XXXX, that a new pair of eyes would review our concern. 

You are eyes are not new and we believe they are tainted by the entire 203k loan department which is no longer in existence because of illegal practices. 

We request that another Executive representative take a new look at our entire mortgage application. 

First, we were first-time homebuyers and that was not selected on our application therefore we were precluded from additional benefits as first time homebuyers. 

XXXX XXXX did not explain to us that we have MIP rather he said we have PMI which is significantly different. 

The contract we signed was in-conjunction with our mortgage closing and was not a separate document between XXXX XXXX and us. 

According to Connecticut state the law the Homeowner Contract agreement is not legal nor valid in our state. ( attached ) Moreover, Wells Fargo has hundreds if not thousands of 203k loans in the state of Connecticut and we believe our State 's Attorney needs to investigate and expose the validity of Wells Fargo loan practices. 

We received from the Department of Consumer Protection that your validated contractor was  sanction a forfeiture and the Attorney General 's unit can investigate the Unfair Trade Practice Act that was clearly ignore and not upheld by Wellls Fargo. ( attached ) This has been a two year over extended abuse from Wells Fargo and XXXX XXXX 's needs to be made aware of our situation. 

We do not desire to argue with you or debate. 

We need to be removed out of the MIP and Wells Fargo needs to refinance our loan without us incurring any further monetary depletion. 

Wells Fargo 's actions against us as first time homeowners is abusive, remorseless and inhumane. 

We need to be made whole as paying customers. 

Respectfully, XXXX and 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 2021-11-30
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Wells Fargo that the escrow on my mortgage showed a projected shortage for the coming year in the amount of {$230.00} which requires an increase in my monthly mortgage payment. With my XX/XX/2021 mortgage payment of {$530.00}, I included {$230.00} and clearly indicated this money was to be applied to my escrow. I make my payments on-line. The form had individual lines for monthly payment, extra payment to be applied directly to principal, and extra payment to be applied directly to escrow where I listed the {$230.00} so it would go into escrow to make up the projected shortage. 

Instead of applying the {$230.00} to my escrow, Wells Fargo marked this payment as " Unapplied Funds '' and kept it as an " interest free loan '' to boost their bottom line. 

The new on-line payment form only has one payment line. It is impossible to make extra payments to the principal, or escrow, etc., and any money paid above your regular monthly payment is marked as " Unapplied Funds, '' which is an " interest free loan '' Wells Fargo can count as part of their " cash reserves. '' The mail-in payment form still includes lines for extra payments above the regular monthly payment to be applied to the principal for early payoff, escrow, late fees, etc., which can be conveniently misplaced so you get hit with a late payment fee since " Wells Fargo never received your check '' because the XXXX XXXX XXXX lost 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 non-monetary relief
Consumer complaint received 2018-06-18
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.govXXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX PCC NO. XXXX, SB NO. XXXX XXXX XXXX. XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, 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:
Transcript as of XX/XX/2017 shows I was in school and took XXXX credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
PayPal credit advertises 0 % apr for 6 month for all purchases over {$100.00}. 
On XX/XX/2018 I made a purchase of {$2000.00} however PayPal charged me a finance fee on this amount against their advertised offering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The problem occurred XX/XX/2021, and I sent a letter of complaint to Citibank XX/XX/2021.

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 2021-09-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After reading my credit report I noticed false inquiries that were not made by me on my credit report. One from XXXX XXXX XXXX XXXX as well as XXXX XXXX Services. These inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: PA
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 have had several items deleted from my credit report back on XX/XX/20 on credit report number XXXX. XXXX PLEASE SEE ATTACHED ) Looking at my current report online recently, Experian reinserted 2 of those items back on, that were deleted already. By law, You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Per FCRA, your are in violation of the law and are subject to fines if I pursue this in the court of law. Please delete these items immediately as I am in the process of getting a mortgage. The 2 items that were deleted and showing again are XXXX XXXX XXXX for {$720.00} and XXXX XXXX XXXX for {$420.00}. I also want to dispute a fraudulent item XXXX XXXX XXXX for {$120.00}

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