BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The account should not have a balance, it was paid in full as of XX/XX/2018. This need to be updated on my credit report to a XXXX balance.

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 2018-03-04
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was strapped for cash due to a divorce that was getting nasty and some health problems. I applied for a {$1200.00} loan and was approved. After signing the papers, I realized the interest rate was over 600 percent, possibly 800 percent. I thought I would pay it off immediately 2 weeks later but then had an auto accident and more problems so I could not. I have asked that they stop the automatic withdrawals and they did. I mailed them one payment of {$350.00} the first week of XXXX. I had received the loan funds on XXXX and the first payment was actually due XX/XX/16. I accept the fact that my stupidity accepted this loan, but I am truly struggling to pay this. I am XXXX years old and still working, but it is difficult. Today I reported them to the MN Attorney General Office via the mail. From what I have now been able to read - they are known as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. etc. I am not against paying them the {$1200.00} with a small amount of interest but not 13 payments of {$350.00} each! Any help you can give me is greatly appreciated. I truly believe they are Predatory Lenders. It is best and easiest to reach me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.

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 2018-09-27
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a {$36.00} overdraft fee for items posted on XX/XX/2018. I knew that my balance was low, and checked my online banking repeatedly to make sure I was not below the threshold which cause an overdraft fee ( which is negative {$5.00} ). At no point that day did my account show that I was that low. 

Today, I have a {$36.00} overdraft fee. And, in reviewing the account, all the charges appear accurate. My issue is, all of those charges were not showing yesterday. So my account did not reflect a low enough balance to trigger a fee in real time. 

My contention is that the bank should either show the transactions in real time. Or, if the transaction does not show on a date in real-time, it should not post on that date. When a debit appears one day retroactive, it gives the customer incorrect information and literally no time to make a correction. 

I don't have a screenshot from yesterday to reflect how the account appeared at the time. I wish I did. But I did speak to PNC 's customer service and they agree that this scenario is possible. However they don't deem it to be a bank error because the transaction totals are ultimately correct. I disagree and believe the {$36.00} charge should be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have repeatedly tried to correct information on my credit report. I have called all three reporting agency to have information corrected. They are always rude and never helpful. I have disputed information and no one has ever sent me the information of the investigation. The company 's just yes updated and it stays. This is not right. For example I have a XXXX XXXX  collection on my account that is not mine. I have called XXXX XXXX telling them it is not my account I asked the reporting agency 's to dispute this and send me the proof that XXXX XXXX sent them proving it was my account. I was sent a regular sheet of paper with an account number and the amount in collections. This is ridiculous. it is not my account and if it was my account they would have a bill, with the meter reading and everything. This needs to be removed from my credit report. Also I have three medical collections that keep showing up on my accounts ( all 3 bureaus ). I have disputed them they have been removed then in 3 months or so they show up again under a new company that bought the accounts. this is also ridiculous. It is ruining my credit and Im tired of having to sit on the phone with these people for hours trying to get is disputed and never getting any help. Please help me get these company 's to start doing there due diligence. and confirm that these accounts are correct. 

I also paid for and received a confirmation that a security freeze had been placed on my account for 2017 however there are still inquires listed on my account for this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.

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 2018-03-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ARE YOU KIDDING ME???? 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW? 

I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES. 

They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, AMERICAN HONDA FINAN add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Continental Finance Company, LLC
State: NC
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:
Account # : XXXX Just wondering the reason as to why this account is still showing up on my credit report, also see attached. 

This account is a dead trade line and is over XXXX years old. Could you please see that this account is deleted from all the credit reporting agencies that you use. 

Thanks 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 2020-08-31
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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 have previously disputed this account. This is a new dispute with new information. This account is now too old to be reported on my credit report. This account has been " re-aged '' and is violating FCRA bylines by continuing to be reported. 

Account : XXXX XXXX Balance : {$640.00}

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 2020-12-01
Company: Experian Information Solutions 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items 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
Consumer complaint received 2020-12-01
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: Was not notified of investigation status or results

Complaint:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOCUMENT TO EXPLAIN IN DETAIL THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE

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 2020-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.

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 2020-08-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased product from a website called XXXX  XXXX  XXXX ( XXXX XXXX   XXXX # XXXX ) ( this is the website 's review with the XXXX  ). I do not know the exact dollar amount that I was expected to be charged but it was between $ XXXX {$29.00}. When I clicked to complete my order is never brought up a receipt with my order information and I did not receive an emailing regarding my order. I then went to my chase banking app where I realized that there was a charge for {$190.00} and {$80.00} from this company. I immediately filed a dispute with chase. Chase got word from the company and they said there was a 90-day money back satisfaction guarantee and that I could get my money back that way. I returned the product on XX/XX/2020 with USPS tracking number XXXX. I tried to get in contact with the company via email and they were claiming that their returns had yet to receive my package. I emailed them several more times with no response. I then went back to chase and re-disputed this charge. They spoke with the company and AGAIN said that the charge was valid. I called chase and told them that they needed to give me my money back. They then reopened the dispute and issued me a {$100.00} statement credit for my inconvenience while they were still processing my dispute. I am now turning to you all to get this taken care of because I feel that I have run out of options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a lemon law enclosed trailer when I tried to dispute it as I was in my 24 hour to return this lemon and the guy doesnt even have a name using a compressor company  falsely charging and selling out of state claiming falsely to be a ga dealer but selling Alabama to avoid being caught the trailer is defective axle broke its suppose to be new. Contacted my Wells Fargo credit card dept to dispute it still no action had been taken

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 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is inaccurate information on my credit report. Im not sure what documents are required for this so I will add the incorrect late below including the account number and the date it was opened. I have contacted the creditor and was told to file one of these. This is reporting incorrectly and is preventing me from living a normal lifestyle. I WAS NEVER LATE. Thank you for your help. 
XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX ( Closed ) Acct # XXXX Opened XX/XX/XXXX XX/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 explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}

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 2018-03-05
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please Know That I am ONLY requesting this Validation on the following accounts Opened XX/XX/XXXX ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Please note that i see you are attempting to sue me in court on XX/XX/XXXX and i will be there to dispute it and show the just this issued complaint as my proof that i have requested debt validation and you have at this time failed to comply -

Company response to consumer: Closed with non-monetary relief