BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion updated my credit information from XXXX, XXXX made errors on reporting my mortgage payments documentaion was provided, however Transunion actually lowered my FICO score after receiving the updated information, none of the other bureaus did this is unfiar and biased and illegal

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 2015-06-04
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

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 an 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 2016-06-10
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. 
I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. 
Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had called TransUnion XXXX XXXX XXXX XXXX. To correct incorrect addresses displayed on XXXX XXXX. Under current address had read my previous home address was displayed and also with XXXX XXXX XXXX address. Under previous address read my current address. I had called XXXX number from TransUnion XXXX XXXX website. Yesterday on Monday XX/XX/2022 at about XXXX pm. TransUnion representative said over telephone that issue with incorrect previous and current addresses would be fixed immediately. This morning on Tuesday XXXX, XXXX 2022 at about XXXX am. I opened my XXXX XXXX account with TransUnion and found that complaint I had made to TransUnion was not 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 2015-10-09
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor did not submit bill to payment to the right insurance company, and were unable to locate the bill so payment could be sent to them. I referred all of the credit collection agencies to contact my insurance company for payment which they did not do. 
I have paid my co-pay that was required by my insurance company. XXXX credit collection companies have sent delinquent status letters and put this debt on my credit. I have a notice showing that I do not owe anything, but they continue to harass me. XXXX XXXX, XXXX has several companies that are repeating these tactics and have had to remove the debt even knowing that the debt is not under collection. The following collection companies and owned by XXXX is XXXX, XXXX XXXX XXXX XXXX XXXX, and now Dynamic Recovery Solutions. These companies have been shown proof and now are just harassing me now and I do not know what to do to get them from doing this on each company that XXXX XXXX owns. How is this legal? I have notified you concerning this problem and was told that I did not enough information to open a case. Please take care of these people from doing the same to them to. I am on XXXX and have good credit but XXXX is causing me in trying to get a decent interest rate on a auto loan, and a refinance on our home. I have proof of the bill showing XXXX on the bill, that each of these companies have received to them and contacted all of the credit agencies to get these items off my credit report. This is harassment especially when I have sent proof of evidence. You are my last hope in helping me get this resolved and prevent this company from doing this to someone else. Thank you for taking the time and hope we can get resolution to my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XXXX, XXXX XXXX a letter was sent via certified mail letter TRANS UNION know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given

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 2015-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Complaint against Wells Fargo BankOn XX/XX/2015, I had a cashier 's check for {$2400.00} transferred from my Wells Fargo Account to another Wells Fargo account in another state. Fifteen minutes after the transfer. I discovered that this was a scam. The scam involved my granddaughter going to school in another state, being involved in an auto accident, and needed money immediately to get her out of jail. My granddaughter was supposedly in the accidentXXXX, so her voice at the other end was sounded like my granddaughter. I was still in the bank branch when I was made aware of this scam immediately by hearing directly from my granddaughter that she was well. I notified the bank manager immediately. He checked the account and noticed that it was a cashier 's check that was to transfer the funds. I was told that the funds would not be transferred until midnight. I also discovered that the scammer 's account was only opened up 2 days prior to the scam. The bank manager had me obtain a police report and when I returned, he called the fraud department at Wells Fargo and a hold was placed the scammer 's account on that date. The police told me that this type of scam was well known to them and that account will be closed after the funds are deposited. The hold on that account was in place until today XX/XX/XXXX, when the scammer closed the account and a cashier 's check was mailed to the scammer. The bank told me they had to send the funds to the scammer when the account was closed because they would be concerned of a legal quagmire from the scammer. 

I have been checking with the bank branch, almost daily, to find out the status of the claim that was filed by the bank manager with the Wells Fargo bank fraud department. I have been a customer with Well Fargo Bank since XX/XX/XXXX. I have never had a problem with Wells Fargo before. I feel that the bank dropped the ball and did not do what it is required of a bank with a claim that was filed. I doubt if the claim was even investigated. If I did not call on a regular basis, I would get a progress of their investigation of my claim. When I found out about the check being sent out, I called the Wells Fargo Executive Office and complained about this action. I feel that Wells Fargo is liable for sending out the funds and did not notify me properly of the progress or the results of their investigation. I also do not believe that Wells Fargo did anything to protect me as a customer and I am filing a claim about Wells Fargo under the Regulation E. 

If you need additional information concerning this complaint or need my account number, please let me know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I 've had several deposits into my Bank of America accounts from the same branch and sender since opening the account. All deposits were made in cash at a teller into my account. On the XXXX of XXXX there was a cash deposit made of XXXX XXXX which had not reflected after being deposited around XXXX. I called customer service and they asked to call back at beginning of following week if nothing had appeared. The following XXXX I spoke with an agent in XXXX of their accounting departments who allowed a temporary credit into my account of XXXX XXXX until the deposit was found stating they may have placed it into someone else 's account. After several weeks of stopping into my local financial center and speaking with management I was told to continue calling for updates until the end of XXXX when they chose to close the claim. They said they were unable to locate the deposit in my name. I called and asked to reopen the claim and please check the dastes and amounts to the particular bank since the deposit was made out of state. With little progress and even less information given to myself I 'd like to know why there has been no availibility after the original person who made the deposit supplied a recipt of the transaction to that bank. The bank was contacted on my part which said they did not know or have knowledge of who handled that information which has not gotten me anywhere in my progress and now without those funds nor a way to site the original transaction.

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 2020-04-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company has an account on my credit report thats 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 2020-04-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company has an account on my credit report thats not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX  Account Number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-17
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:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2022-05-17
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This two AVANTE 's account with balance of {$450.00} and {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation