BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit report agencies state that these accounts were properly investigated and came back as verified. however, is not true there's several inaccuracies showing in 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 non-monetary relief
Consumer complaint received 2022-12-26
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:
I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$0.00}

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 2022-06-18
Company: Caliber Home Loans, Inc.
State: OH
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 was late XXXX time and the closed report is stating that I was late XXXX times this is not correct and hurting my credit score.i want this fixed I've reached out to them numerous times about this even when the account was open and they did nothing account # XXXX caliber home loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been trying to have a fraudulent inquiry removed from my XXXX report since XXXX. I have contacted both XXXX  and Saks Fifth Avenue Customer Care about having this removed, and they both blame each other for it being there. I have the document sent to Saks Fifth Avenue Customer Care, and the listed times I contacted XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: SANTANDER BANCORP
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The company dont review the attached letter I receive from them. They sent a letter advertising that the charge of overdraft is {$0.00}. They are rascals. Are thefting money from my account before sending a letter advertising that the charge is {$0.00}. They sended a letter without descriptions of the charges. Charged are described as balance cobrado a poor quality statement. Transactions undescribed. A XXXX of response have made these rascals. Read my evidende. Rascals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
Transunion is the only bureau that granted me a freeze and fraud alert. 
XXXX  and transunion refuse to grant me a copy of my credit report. 
XXXX and XXXX refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control 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 2020-12-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX MINIMUM INTEREST CHARGE ADJ - PREV CYCLE # XXXX {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX PREV CYCLE CASH FEE # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode NOT AVAILABLE INTEREST ADJ - PREV CYCLE CASH ADVANCE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX ADJUSTMENT-CASH ADVANCES # XXXX + {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE DISPUTE # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST ADJ - CASH ADVANCE REFUND # XXXX + {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$0.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX CASH ADVANCE FEE {$10.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX Purchase Mode MANUALLY ENTERED XXXX XXXX XXXX CA # XXXX {$25.00} Transaction Date XX/XX/XXXX Posting Date XX/XX/XXXX According to XXXX anything thru XXXX is considered a cash advance so that why I was charged {$10.00}. 
This is WellsFargo response : My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. 

I received your email about the {$10.00} cash advance fee that was assessed to your credit card account number ending in XXXX. I realize your concern about the fee being assessed and I will be happy to look into this matter further for you. 

Please be advised that I have received your two follow-up emails and will be addressing all your concerns in this one email response. 

Our records show a cash advance on your XXXX statement at the same merchant in the amount of {$45.00} on XX/XX/XXXX. You were assessed a {$10.00} cash advance fee. The refund of this fee was reflected on your XXXX statement on XX/XX/XXXX. On this same statement another cash advance was made in the amount of {$25.00} on XX/XX/XXXX. A {$10.00} fee was assessed for this transaction but regretfully we were unable to refund it back to the account. 

The Merchant is XXXX XXXX Phone number : XXXX Description : Money/Transfer Merchant There's no grace period for cash advances. 

Interest charges begin to accrue on the date that the cash advance posts to your account and continues to accrue until the cash advance is paid in full. 
Today, I contacted XXXX & spoke with XXXX, ref # XXXX, who informed me that the company didnt charge a cash advance. I need to talk with my bank I called WellsFargo & spoke with XXXX, refused to give ref # or ID #

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 2023-08-11
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Purchase a vehicle from XXXX XXXX XXXX on XXXX XXXX XXXX no on from the company never contact me or anything this year 2023 ever since then this vehicle give me problem and this company want bankrupt and I lose over {$4000.00} now westlake management involved now. Im so frustrated and fed up for this nonsense. They can repaired vehicle just refund all of my money. I refuse to make another payment for what and why the car in the shop. The vehicle is out of service and not drive able. What is next step to therefore I or we can move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Systems XXXX XXXX XXXX XXXX Original creditor. I have never had an XXXX account. I'm sure this should be on another XXXX XXXX XXXX account but this debt is haunting my credit file and causing me not to be able to get an apt now that I am out of college. I never had an XXXX account or any other phone or XXXX XXXX account. My parents still pay my phone bill on the family account for the last 10 years and it is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan with Credit Acceptance Corporation. With XXXX being especially hard, I have reached out to the company on numerous occasion explaining that I had been furloughed and that I needed to either 1. change the due date on my account, 2. lower my payments, ( even if temporarily ) or 3. refinance. I told them that I was still working but my pay was extremely limited. Repeatedly I was told that I could not do any of the above and that my only option was to double up on payments. 
At the end of XXXX, they put the car in collection/repossession status and told me that they would collect any day. Being that I wanted to avoid this, I asked if I could sell the vehicle and settle the account. I was told no. If I were to sell the vehicle, I would have to pay the buyout with was {$19000.00} for a XXXX XXXX XXXX XXXX with XXXX. Obviously this is already a bad credit loan. And they insist they are trying to help people like me. But it seems they are extorting people like me. Nothing about this whole situation has been helpful. It is a decision that I have lived to regret and I wish there were more options for people like me to get themselves back on track. Companies like this dont help. They make the situation worse.

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 2022-06-18
Company: CITIBANK, N.A.
State: PA
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:
I opened a new XXXX XXXX card about 10 days ago. I haven't even used the card yet. When I applied on the Citi site the offer was XXXX points after spending {$2500.00}. Now a few days later the offer updated to XXXX points after spending {$3500.00} in 4 months. I been with Citi for well over 20 years on other accounts. I called to have the new offer honored but was told they are unsure if anything can do. I'm writing to try to have this new offer honored on my account since it was only a week before I opened it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to XXXX, XXXX and Transunion and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: MI
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 Reportina act XXXX Account #. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: TX
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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BANK OF THE WEST
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OF THE WEST XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration 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 explanation
Consumer complaint received 2018-05-07
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:
I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.

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: 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:
In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.

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