BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reached out to Transunion for the 3rd time today in regards of dispute made that account came back as " verified ''. Representative said it came back verified, i asked how did they verify and they said creditor just verified without any documentaion. Letters were sent certified mail, fax & via cfpf requesting method of verification. I have confrimation that they reccieved all coorospondance and followed up via call to ensure that they reccieved it. Was on the phone with rep for 45 minutes with the rep and he failed to help. Once i stated that i was going to take legal action due to my rights being violated and i would be seeking damages then i was transferred to a specialist. Specialist did not help with my request at all after advising them that this account keeps coming back " verified '' the rep told me that they dont have to provide proof of verification. Once i stated that i was being violated of my rights as a consumer, the rep said that they sent method of verification in which earlier he said they never did and did'nt have method of verification. When asked for proof of method of verification specialist hung up on me with saying anything. I am very disappointed in this company and would be taking legal action against them in this account isnt removed in 24 hours. I provided the documentation that they asked and i never reccieved the method of verification.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i have sent letters to the bureau for about three months now in the attachment below will have the receipts.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$45000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I called Capital One with questions about the two interest rates shown on my bill for the last couple of months. In typical Capital One customer service fashion, nobody I spoke with could answer the questions I had about the extra interest rate charged labeled " Interest Charge : XXXX XXXX. '' On or around XX/XX/XXXX, I did take a {$1900.00} XXXX XXXX after a financial emergency -- my paycheck had yet to reach my checking account and the rent was due. On or around XX/XX/XXXX, my account showed a " XXXX XXXX fee '' of {$57.00} On or around XX/XX/XXXX, there was another " XXXX XXXX Fee '' of {$22.00}. Again, on or around XXXX a " XXXX XXXX Fee " of {$48.00}. The latest " XXXX XXXX  Fee '' is on or around XX/XX/XXXX for {$49.00} This is outrageous and simply screws customers over after a financial emergency. I have made more than enough payments to reduce significantly reduce the " XXXX XXXX XXXX '' if not wipe it out completely. Again, I have tried twice to get answers from Capital One customer service to no avail. The last was on XXXX XXXX, when I spoke with a supervisor named a XXXX XXXX correct spelling, I asked him to spell it ) who basically said he can not give me an answer to my question. He tried, but could not answer follow up questions I had. 
I always pay well beyond the minimum payment each month. Since XX/XX/XXXX, I have made the following payments : XXXX XXXX, {$60.00}. 
XXXX XXXX, {$200.00}. 
XXXX XXXX, {$140.00}. 
XXXX XXXX, {$1500.00} ( two payments combined ) XXXX XXXX {$210.00} When I spoke to XXXX he said I haven't even paid off the interest on the transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX - XXXXXXXX XXXXXXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you one last time to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Their explanation, they dont want anymore relationships with me, but their delay on releasing funds, is going to cause me to lose my home. 

Their restricting accounts and telling consumers to wait for idk till it gets close.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NJ
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 are reporting inaccuracies and have not responded to my letters in which they are required to in 30 days by FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
there is an active online scam targeting job seekers like myself. While the scammers use different techniques and different social media tools, some common aspect of the scam is to offer a position and send a check to be deposited into the job seekers account. I was lay off from a job XX/XX/2023. Start searching for jobs continuously on XXXX. The scammer offer the job position as a XXXX XXXX XXXX working remotely. Paying XXXX XXXX as part time XXXX a or full time XXXX at your own. Excited and accept the offer and a check was sent for an amount of {$3200.00} to be deposit in my bank. Mobile deposit the check and got the funds XX/XX/2023. Use the funds to buy equipments for home setup to work at home. XXXX to an owner {$1000.00}. Then bought {$2000.00} money orders from postal office. Was instructed to send money orders to a business to get the equipment process and deliver. XXXX the money orders to the address given. Found out Monday XX/XX/2023 the deposit check was a scam forgery from the bank. I am so depressed that in such a vulnerable state and this happen. I have all emails from this scammers, all communications are documented for proof/evidence if needed from this report. I will provide all evidences for your reference if needed

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 2023-02-07
Company: EQUIFAX, 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:
XXXX XXXX is not licensed to collect in the State of Texas. 
They are reporting these two accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX : Account Number : [ XXXX ] XXXX XXXX : Account Number : [ XXXX ] These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete immediately, and send me an updated copy of my report please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello everyone, I have been using PayPal for long time, it was all good unitl and for no reason has been holding my money of about {$500.00} it's on hold for about 120 days now, I don't see that is legal action PayPal has taken against my money, I don't have any disputes open all this period of time. 
I want to withdraw my money, it's been long time holding my money for no reasons! My account mail under ( XXXX ) My Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have several bank accounts with Fifth Third Bank. The account that I use to pay my bills from went into overdraft when a client failed to pay for my services. There is overdraft protection for this account ending in XXXX linked to my XXXX checking account. That is the only overdraft protection account that I authorized. 

I am currently unemployed. The stress of that is more than enough. I do not qualify for unemployment as it was a contracted consulting job. As I have been getting money, I have been paying down the overdraft on the XXXX account. 

I had {$100.00} in my savings account. I went into my account to transfer money to one of my checking accounts and found that my money had been taken out of my account by the bank. That is all of the money that I have left. 

When I contacted the bank, they essentially told me that they could move money from my accounts without my authorization. I know that is incorrect. Taking without permission is theft - plain and simple. 

First they tried to say that I had set up overdraft protection using my Savings Account. In the entire 8 years that I have been banking with them have I linked overdraft protection to my Savings account. When I pushed for them to provide documentation showing that I authorized overdraft protection to be linked to my bank account, I was told that they do not have access to such documents. 

Then the representative came back and said that I was correct. Overdraft protection was only linked to my Checking Account ending in XXXX. How can he tell me this when moments before he claimed that he had no access to such documentation? 

I requested for my money to be returned to my Savings account. He told me that they would not return the money to my account because they moved it into the account that has a negative balance. 

How can anybody besides me authorize activity on my bank account? If that is the case, anybody can just go in and manipulate my account at will. I have enough sense to know that this is not legal. 

Another practice with Fifth Third is charging overdraft fees if an assessed maintenance fee overdrafts an account. How can they do this? This is an option offered by their bank. How can they charge overdraft charges on maintenance fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-01-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Between XXXX and XXXX of XXXX, Midland Credit Management Company ( MCMC ) sued me in court for roughly {$4800.00} dollars ( this is an account that they purchased ). As a result of them suing me, my paycheck was garnished for six months in the amount of {$2000.00}. After six months, I noticed that the MCMC account had not been updated, so I disputed the discrepancy with the credit bureaus. Unfortunately, the account came back verified and still owing the {$4800.00} dollars. I continued to check my credit report and dispute for 10 months and MCMC claimed that I owed the {$4800.00} plus interest. 

In XXXX of XXXX, I contacted MCMC to ask about the {$2000.00} that was garnished from my paycheck. MCMC claimed that they never received the check from my payroll department. 

After contacting my payroll department, an investigation was completed and a copy of the check was sent to me. 

Again, I checked my credit report and there still was no change to the balance. So I looked at the MCMC website and it stated that I owed {$5200.00} dollars. 

I called XXXX, in XX/XX/XXXX, to ask about the check and why it had not been added to my account and again they stated that the check was not received. I told them I had a copy of the check and after further analyzing the copy of the check it was found that the check was cashed on XX/XX/XXXX by MCMC and never added to my account. 

As of today, XX/XX/XXXX, I have looked at my account and reached out to them and they still have not located the funds that they took from me and did not add to my account. 

They have withheld these funds from my account for XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, I'm having an issue with Mohela who service my federal loans. I was originally on REPAYE plan which was switched to SAVE automatically. My account was placed on administrative forbearance for month of XXXX XXXX. Now when looking at my account Mohela changed me from SAVE to Level which is standard repayment plan on 3 of my loans. When they qualify for SAVE. This is over {$1800.00} a month. I called Mohela who could not explain why this happened or why no one communicated this to me. They had me do recertification on phone and my original payment under SAVE was {$660.00} and is now {$700.00} and was told this is my lowest option. I have since learned that they did not have to make me recertify as that is not mandatory until XXXX  XXXX. This is all so suspicious and I feel I am not being treated honestly by any means. This all happened after I signed up for auto pay as well. They now placed my account into forbearance until XX/XX/XXXX but that interest will still accrue and that it does not count towards pslf. This isn't fair at this is not me error or my mistake. I feel disgusted by Mohela by and they need to be held accountable. They are difficult to get in touch with and I can't get any consistent answers regarding my account or accountability for account errors on their end. I also pay XXXX XXXX monthly for my private loans through XXXX. I am a XXXX XXXX that works XXXX XXXX XXXX XXXX XXXX XXXX but my prior employment in this field does not count towards PSLF. I feel like I'm being punished for getting an education to work in a XXXX XXXX XXXX 

Thank you for your help in any way on this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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