BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: ZWICKER & ASSOCIATES
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. 

This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Greetings, TransUnion is falsely reporting and suppyling inaccurate data to creditors and vendors regarding my credit and financial information. 
TransUnion seems to has multiple accounts and unable to locate my files. I 've been unable to obtain my credit report online nor by mail. Credit Bureau requested additional information which it was supplied by several means ( mail/fax ) twice. Information submitted is as follow : copies of my ID, social security card, pay stub, and void personal check. In addition, I have filled out the Form XXXX - Disclosure Request. 
Even with the information submitted, TransUnion is still unable to locate my file. I have follow up with Consumer Relations ( XXXX ) several times and answers continue to vague and elusive. 

The impression I received every time I call is that, they have some of my information but its floating around in their system and unable to accurately identify it. 

I appreciated any help you could provide me, Yours truly, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
My Credit Report issued by any and all credit agencies included a list of all businesses who have check my credit and ordered a copy of my Credit Report. There were a total of XXXX businesses in the list during the year 2014 alone. None of the businesses had my permission to obtain my Credit Report. They acted illegally in obtaining my Credit Report. 
During said time, I was shopping for better insurance on my home and car on the internet. 
I was also shopping for a refinancing of my home mortgage with a small amount of " cash out '' of my equity to pay enormous medical bills not covered by my health Insurance. 
Neither of these reasons should affect my Credit Rating, but they do, for reasons I am not aware of. 
All of the companies in the list should and must be eliminated from my Credit Report. Their need for information on my Credit Report is purely speculative in nature, and prejudicial as any negative statement on my Credit Report. They have usurped their need to my demand for privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Bread Financial 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 VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: U.S. Collections West, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a small loans dispute that I entered into with XXXX XXXX/XXXX  XXXX, it ended up going to mediation and I have the decree that states " All parties have agreed to fully resolve all issues and release each other from all claims ''. 
I have shown the collections company this mediation document and they refuse to remove it off my credit. 
The collections name is US collections west They are requesting {$930.00}. 
Contact information for them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please contact me if you need to view this court document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/2023 Wells Fargo accepted a levy  filed from XXXX XXXX on the behalf of a XXXX  XXXX. The account levy did not originate from the state in which the debt was owed. The loan origination was in XXXX  while the account was in XXXX. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied  did not belong to me it belonged to my elderly parents. They opened a savings account in XXXX  for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.

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 2021-07-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple dispute letters to the credit bureaus in regards to inaccurate reporting on my credit report. There are inquires reporting that I did not authorize and the credit bureaus have not removed this inaccurate information. There are multiple accounts reporting late and I have never been late on any of my accounts. Incorrect balance reporting. Inconsistency. Due to these inaccurate information, my credit score is impacted in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 i submitted a dispute to remove items off my credit report i have not received any notice on any dispute status regarding my disputes which is fair credit reporting act violation please look in to this matter and remove the dispute accounts immediately The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union deleted and then reinserted the inquiries without notifying me. Inquiries fell aoff and I never received the 5 days notice..

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 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
only autorized XXXX pull on XXXX XXXX 2015 and that was XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CITIBANK, 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:
I have been disputing several charges from 1 vendor/merchant. This company agreed to provide a multi-day training service, was not able to fulfill the obligation, agreed to refund the money voluntarily, and never did. 

I filed the dispute in XXXX after I realized that the refund wasn't coming voluntarily. It is now XXXX, and my refund has still not been resolved. The vendor advised that there were some sort of limitation with their credit card processor, so they needed to process the payments separately. 

Dispute description is as follows : " XXXX XXXX was hired to facilitate a personal safety class for our staff. We finalized payment on XX/XX/XXXX. The classes were supposed to start XX/XX/XXXX. The owner contacted me to advise that he and his staff would not be able to facilitate the class as agreed and was not sure when hed be able to conduct the class with our amount of people. The owner advised that hed refund the money. Weve been patient in waiting for refund. Its been over a month. ''

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 2021-07-25
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 i submitted a dispute to remove items off my credit report i have not received any notice on any dispute status regarding my disputes which is fair credit reporting act violation please look in to this matter and remove the dispute accounts immediately The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA.

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 2021-07-24
Company: EQUIFAX, INC.
State: ND
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 XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigated these items within 30 days gives reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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: Was not notified of investigation status or results

Complaint:
In XXXX I disputed a collection account with all three credit bureaus. The collection account was called XXXX XXXX XXXX. The account was deemed inaccurate and unverifiable by all three credit bureaus and deleted from my report. Just recently in XXXX of XXXX I rechecked my credit report and the collection account was re-added to my reports with no notification of such from the bureaus. I submitted on XXXX XXXX a letter of the FCRA section 611 ( a ) ( 5 ) ( B ) violation due to no notice of the reinsertion and received no reply.

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 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. 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 2022-08-04
Company: Experian Information Solutions 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 contacted XXXX and experian credit reporting agency and provided all the information they requested. Experian removed the XXXX account but last year it was put back on my credit report and they are refusing to 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 non-monetary relief
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also XXXX  took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.

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 2021-07-24
Company: EQUIFAX, INC.
State: IL
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a response from XXXX XXXX  XXXX through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both XXXX and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus AFJ filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what XXXX and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that Discover agreed to the {$2100.00} amount so the lawyers in XXXX  PA are not representing their client correctly Paperwork attached below.
This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that Discover would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband and I closed some credit card accounts after paying them off and after a bankruptcy. Apparently he kept a XXXX XXXX Credit card that I did n't know about and ran it up before he passed away in XXXX 2012. I just now found out that this account is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It was anuthorized transaction that I did report to the company they promised to canceled and return money by the end of the day, they even put the transaction. As canceled on their website. And now they algate that the money was collected by receiver whe I call them and told them that it was and anuthorized transaction to cancel that I dint know the other person and they refused to put money back in to my account or refound a money that I dont used or authorized no body to used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. 
I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. 

My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. 

I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". 

I feel as though I have been tricked. 
My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. 
So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.

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 2015-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report indicates that I 've " also been known as '' a name that I have never used. I 'm not sure how this happened or how to remedy it.

Company response to consumer: Closed with non-monetary relief