BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
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: Account status incorrect

Complaint:
Transunion. is reporting that XXXX XXXX is reporting I'm late on XXXX credit cards on my credit report XXXX month after the cards was closed. I've sick for XXXX months so due to that was unable to work for that time frame. In XXXX XXXX XXXX decided to closed XXXX of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. I try to work with them and they are not helpful.

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 2020-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XXXX filed bankruptcy. fifth third was one of the debtors we had to pay. we paid this every bi weekly thru my check auto pay. paid bankruptcy off in XXXX discharged paid in full. that being said tried to refinance thru XXXX XXXX  and they found lien from fith third on us still. called and found out our bankruptcy attorney forgot to file lien strip to have this finalized/dropped. it was too long of period of time for attorney to do anything, and fifth third wont cooperate we have papers of discharge paid in full and they wont close this. saying we owe this godly amount over XXXX now. they never ever tried to contact us or anything. we found out thru refinancing attempt. Thats pretty much short story. we want fifth third to close this and remove lien. we cant refinance or sell. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my  credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from 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 explanation
Consumer complaint received 2022-04-12
Company: BMW Financial Services NA, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Every month I get statements from BMW stating that I made a payment. I have repeatedly tried to contact BMW, with no response. I've contacted their privacy team, no response. Nothing I do gets a response from this company. Since someone used my email when they got their loan, I now have access to all of their personal information and BMW doesn't care. CFPB is my last attempt at trying to get this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: PNC Bank N.A.
State: IL
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:
Hello, Hope all is well. I was charged double by a movie theatre - XXXX XXXX - XX/XX/XXXX - for tickets I bought online. There is no reason I would pay 2 times for the same movie, on the same time, at the same night, for the same seat. I opened up a claim in about a week or so after seeing the charge. 

I opened a claim with my credit card company to get a refund as I did not authorize payment but it was subsequently closed for no reason. 


The claim id or reference number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX Venmo contacted me via text message stating that my account had suspicious activity, and that I should reply " NO '' if the activity was not me. I responded on the same day, XXXX with " NO ''. The following day, XXXX, I contacted Venmo and again reported the fraudulent activity and I was informed that my account was frozen. The transactions posted as pending on XXXX on my XXXX XXXX checking account I am completely unclear as to why Venmo bothers informing customers of unauthorized transactions and then allows the transactions to occur. I am unclear as to what purpose freezing my account serves when transactions can still occur. Venmo has also been entirely incapable of informing me when my funds will be returned. Further, if my checking account enters into a negative balance as a result of Venmo 's negligence, what is their plan to refund me the additional debits to my account? 

The currently posted debits to my XXXX XXXX checking account are {$350.00} and a second identical charge of {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX. Please have XXXX XXXX XXXX remove from my Experian credit report. Someone has been using my social security number and they 're a lot coming up on my Experian. It is showing negative. Please have them correct this and have the report updated. Amount is for {$33.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2022-04-12
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX someone used a former checking account in XXXX, Minnesota XXXX for two different transactions, the account in question was changed over by a new bank but apparently they were still accepting checks from the old bank account although they had changed on XX/XX/XXXX. Someone also used the former checking account again on XX/XX/XXXX in XXXX XXXX Illinois. The bank has reversed all charges and has not held me responsible but in the meantime I have been sent to a credit bureau by XXXX and I have to file a report online of identification theft and also contact local law enforcement, and Im waiting for paperwork from XXXX regarding fraudulent charges and can not even purchase anything there with my current debit card until all is cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-07-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We requested a past due 'pre-foreclosure ' notice from Wells Fargo Mortgage XXXX so we could provide the documentation required for the timely advance of a 'hardship ' loan from our XXXX account. We are two months behind in our mortgage and if we miss one more month we will be in foreclosure and lose our home of XXXX years. On the phone originally all Wells departments refused to send us the pre foreclosure notices Wells have been sending out for years.It 's three weeks since my family first contacted Wells and we still have not received a 'pre-foreclosure ' or a substitute notice from Wells Fargo , so we can make a valid 'hardship ' claim. 
It feels like entrapment, if Wells does not supply us an acceptable timely letter in accordance with IRS rules, Wells Fargo can foreclose on our home. 
We now believe the missing Wells Fargo letter, if received may be too late to process.

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 2020-03-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent in a dispute to have an account verified by Equifax almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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: Investigation took more than 30 days

Complaint:
I sent in a dispute to have an account verified by Transunion almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.

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 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing inquiries with all  XXXX  bureaus since    XXXX  2017 .   My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 disp utes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard INQUIRES, it is prevented me from obtaining 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 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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 am Disputing CREDIT REVERSALS OF TEMPORARY CREDITS  XX/XX/XXXX NEVER APPLIED OR MADE PERMANET TO REVERSE THE CREDIT. ( YOU CAN NOT TAKE BACK WHAT USAA NEVER PROVIDED!!! ). See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Completed. USAA Policy is that Temporary Credits ** MUST BE MADE PERMANET** TO APPLY TO BALANCE. See attatched XX/XX/XXXX Credit Reversals XX/XX/XXXX. {$110.00} TEMP CREDIT. XX/XX/XXXX * {$110.00} REVERSED BEFORE APPLIED PERMANET SAME DAY ACTUALLY. XX/XX/XXXX * {$21.00} Reversed XX/XX/XXXX {$21.00} NEVER MADE PERMANET XX/XX/XXXX * {$200.00} TEMPORARY XX/XX/XXXX {$200.00} CREDIT NEVER APPLIED NEVER MADE PERMANET XX/XX/XXXX * {$280.00} TEMPORARY USAA CREDIT REVERSED XX/XX/XXXX NEVER APPLIED MADE PERMANET See  statement XX/XX/XXXX XXXX NO USAA CREDITS PROVIDED for XX/XX/XXXX FRAUD of * {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello My dad passed away in XXXX. I am legal his only heir ; and gained his home as the legal right of successor. The representatives of this company have given me misinformation all through the process & refused to accept payment from me. On the last call ; I was told that they have the information & can see it ; but its sitting in the wrong department ; therefore it wasnt processed. The representative also told me I need to apply for the mortgage & go through a whole different process ; which is not the right of successor that I am entitled to. Through this process they can deny me & keep the large amount of equity in the home. So they are foreclosing on me. The representative denied me a copy of the foreclosure letter & the right to speak to a supervisor. The representative basically told me it was my fault that the paperwork was sitting in a different office & not transferred to the correct department. 

I can provide documentation to support what I am saying & witnesses as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit is reporting on my credit reports that I owe them {$150.00}. I have never heard of this company nor do I have any debt with them. They said they are collecting on behalf of XXXX. However, I haven't had a XXXX account in over 10 years and that account was closed and paid in full. I asked Southwest Credit to provide proof that this debt was mine back in XX/XX/2018. The company has yet to respond nor do they follow up with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : 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 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 2022-09-06
Company: EQUIFAX, INC.
State: VA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXXXXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX XXXXXXXX FDCPA section 807 XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Midwest Recovery Systems
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: Reporting company used your report improperly

Complaint:
To whom it may concern, I have a collection account on my file from a collection agency named  (  Midwest Recovery Systems ). The account is as follows :   XXXX   XXXX   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATIONS  (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical proof  ( M idwest Recovery System s )  is licensed to collect debt in  (  Florida ). Your immediate response will greatly be appreciated.

Company response to consumer: Closed with explanation