BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
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:
I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all removed.

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 2021-09-16
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 have sent Transunion A dispute letter in XX/XX/2021 with no action and proper investigation has taken place. They took off two account but deletion is admission to error and they must pay my invoice and remove the other accounts. I sent another dispute with evidence showing the errors on my credit report since 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 2020-05-01
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 information incorrect

Complaint:
I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I had an outstanding collection with XXXX XXXX XXXX. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. 

I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. 

They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.

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 2020-11-06
Company: Convergent Resources, 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:
I am being unfairly treated by convergent outsourcing and their refusal to remove an incorrect and illegally reported collection account from my credit report. 

I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California XXXX Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

I have determined that convergent outsourcing is prohibited from submitting information relating to me with regards to the paid collection in question to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 



For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it after the filing of this complaint with the Consumer Financial Protection Bureau and the California Department of Justice, I will have no choice but to seek legal action against you. I hope you cooperate with my request.

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 2017-11-20
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This problem has been ongoing problem with Honda Financial service : I have received a letter in the beginning of the XX/XX/XXXX indicating that I have owe Honda Financial service amount of {$130.00} for the Vehicle tax for XX/XX/XXXX to XX/XX/XXXX for Honda Civic I have trade in at XXXX for new vehicle on XX/XX/XXXX and Honda received paid off amount of {$13000.00} on XX/XX/XXXX. ( see attachment ) I have called a Honda Financial Service on XX/XX/XXXX and spoke to representative XXXX ( wo n't provide the full name ) and received Case # XXXX : XXXX said he would put my account on HOLD until XXXX County refunds the Tax for Honda Civic, due to the fact that XXXX have paid in XX/XX/XXXX for the whole year 's Vehicle Tax : And advice to ignore the future invoice from Honda. 

Its ' been over three months now, Honda still sending me a Letter indicating PAST Due and will effect my credit score (  threatening me ) and suggest of {$100.00} to compromise the case : I feel, Honda Financial service is trying to Scheme me of this TAX Bill. 

I DO NOT OWN the vehicle from XX/XX/XXXX ( see attachments ) Plate and registration for the vehicle was returned on XX/XX/XXXX. 

I even called the XXXX County Vehicle Tax department to find out, and they told me that they have return the Civic ' Tax for XX/XX/XXXX to XX/XX/XXXX portion to Honda already. 

So, in this case, Honda should close my case and should not be sending me the LATE DUE letters. However, XXXX is still sending me the Late Due letters and I want this to be CLOSE ASAP. I do n't feel obligated to paid the Vehicle tax for the vehicle I do not have the ownership! Honda need to have better organized financial service group. 

I wonder how much money they have collected this way and not returning the money back to the customer. 

For two years of being loyal customer to Honda, ( no late payments etc ), I should n't be treated or threaten By XXXX in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have BB & T and I have opted to not let my account over draft because I dont want it to. But they continue to let everything go threw it even with no money in my account and when I mean everything I mean subscriptions that I have that keep coming out and I dont know where they came from or why I have them to even cancel them but they continue to let these charges go threw them Im left with horrible over draft fees. I want to just close the account which Im planning on doing Friday but until that time Im having no help with the bank on how to stop this from happening. So I feel like no matter if I want my account to be able to over draft or not and I opt in or out for it they r going to let it anyways

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 2017-11-20
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: Personal information incorrect

Complaint:
I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXX XXXX, GA and XXXX XXXX XXXX XXXX, GA.

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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal 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 explanation
Consumer complaint received 2018-12-19
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized hard credit inquiry from Pentagon FCU appearing on my XXXX  credit report. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Pentagon FCU to run my credit due to having already secured financing through my own credit union. 

I am requesting that Pentagon FCU remove the hard credit inquiry from my XXXX credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit 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 2020-07-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts 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 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice from company that amount on cancelled credit card had an amount due, many months after card cancelled. Response from credit card company is that they are refusing to describe issue ( s ) in writing dated XXXX XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Okay TransUnion is showing several inaccurate accounts on my credit report. I have disputed the inaccuracies and TransUnion refuses to correct or delete this information. My rights are that they must be complete, accurate and verified. I have accounts that do not belong to me. There are addresses that do not belong to me. TransUnion still refuses to correct these issues. I am filing this complaint as just one-step in the process before initiating legal proceedings in a court of law. The accounts are : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX Account # XXXX I have sent TransUnion the reasons on why these accounts are inaccurate . It is concerning that, the accounts were deleted from XXXX but TransUnion will not do a proper investigation to remove. I will also be filing complaints with the FTC and Attorney General before taking legal action in a court of law.

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 2019-10-01
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
As previously reported. I have sent documents to Santander Consumer for the money owed to myself. I have called and got no where with them to receive the payment they mention. I have sent the information they requested to their legal department and still have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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: Information belongs to someone else

Complaint:
Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX   this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on my credit file.

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 2019-10-01
Company: EQUIFAX, 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:
I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
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 information incorrect

Complaint:
I settled a loan with XXXX XXXX XXXX through XXXXXXXX XXXX XXXXXXXX. Account number XXXX. The agency agreed to remove the balance for one payment of {$6500.00} which was made in XX/XX/XXXX. XXXX left a balance of {$6500.00} on my credit files. I disputed this with the three bureaus and they left it on the file. This is a direct violation of the Fair Credit Reporting Act. A company may not reflect a status on an account with the bureaus that it knows to be inaccurate. 

There is no remaining balance owing on this loan as part of our settlement agreement.

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 2018-12-19
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked plane tickets for {$390.00} back in XXXX. XXXX cancelled my purchase. I rebooked for $ XXXX ( I don't have the exact price, but I can get it ) and asked XXXX to honor the price of {$390.00}, when they didn't and I cancelled that purchase. I disputed the charges with Barclay Elite MasterCard, because they farm out their customer service, the rep, who didn't completely understand English, didn't quite understand my dispute and she only credited me with {$290.00} dollars. As of today, I am still have not been refunded the other {$390.00}. The dispute started XX/XX/18. I have called every month. Each time I have called I speak to at least 10 people. I can not speak to a manager 's manager. They refuse. Right now I'm waiting for a callback. In XXXX, they told me that my case is still open, and I today as I'm doing my monthly check, I just got notified that my case has been closed seen XXXX. They have refused to start arbitration as asked countless time. They ask me for paperwork, and I told them that I shouldn't have to do paperwork for their mistake. I just asked for the call logs because they said I haven't called since 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 monetary relief
Consumer complaint received 2018-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received MasterCard from Bank of America I did not request

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