BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXXXXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2015-10-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. 
Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. 
We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. 
We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. 
Respectfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Other

Complaint:
BARCLAYS WENT ON MY CREDIT 6 TIMES W/O APPROVAL IN VIOLATION OD 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 non-monetary relief
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: MI
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:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
A balance transfer was made from my Wells Fargo Visa card account to my XXXX XXXX XXXX XXXX account on XXXX XXXX, 2016 in response to a Wells Fargo Promotional Balance offer solicited by mail to me ; the transfer was for {$10000.00} with a 4 % balance transfer fee, and I would enjoy a 2.9 % APR for 12 months. 
In response to questions I made, it was stipulated that " payments above your Minimum Payment Due will be applied to your highest rate balance first ''. 
My complaint is that payments I have been making, all above the Minimum Payment Due, have been paying down the Promotional balance with a 2.9 % APR, which is now reduced to {$7000.00} from the original {$10000.00}, while my Purchases Balance remains at about {$2500.00}, with a 17.1 % APR. 
This practice is a case of a fraudulent and mis-leading promotion which is contrary to common sense for a consumer taking out such a transfer with a 4 % fee, and not enjoying the promotional APR of 2.9 % for the full term on the balance transfer amount.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.

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 2017-10-17
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company called Jefferson Capital Systems , LLC that I believe to be fraudulent. The letter claims to collect a debt in the amount of {$1700.00} for a XXXX XXXX XXXX Account. It offers to let me save money by paying three equal payments of {$110.00}, and they will absorb the rest of the debt. 

I did have a Home Mortgage through XXXX XXXX that ended in XXXX ; I checked my account and there is no balance or debt. 

Suspect issues on this letter ( including the option to make three equal payment that do no equal the debt ) include 3 different addresses listed on the letter. Jefferson Capital Systems , LLC is listed at XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ). On the payment stub, a " return '' address is listed as XXXX XXXX XXXX, XXXX, NC XXXX with a mailing address ( " to '' ) as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Their website offers no additional information : http : //www.jeffersoncapitalsystemsllc.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
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: Old information reappears or never goes away

Complaint:
Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now. XXXX XXXX XXXX XXXX XXXX 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 2016-10-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Credit card was issued. Paid regularly for many years. I filed for bankruptcy XX/XX/2014 to prevent foreclosure. Bankruptcy was discharged within 30 days. Wells Fargo removed the credit card from the online banking portal and did not send any statements for 7-9 months. Wells Fargo wants remaining balance of credit card paid and continues to report as delinquent.

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 2022-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing this company charges you XXXXXXXX XXXX to pay your mortgage every month, i am unable to get on the website even to pay my mortgage and the company will not help. They hold your mortgage statements til the end of the month so that your mortgage will be late if you send it in, and even then they will hold your mortgage payment until the due date has passed so that the payment is made late. This is NOT random, it happens every single month. This company has got to be breaking the law, and i am at my wits end, all i want to do is pay my mortgage in a timely manner, and they truly make it impossible on purpose. PLEASE HELP!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion has failed to respond to my dispute, I have yet to hear anything from them. The letter is attached. I sent this letter which also contains my license for verification ( which should be more than enough to verify me being that they have my alleged information without my consent ) on XX/XX/XXXX. I received notification of receipt 2 days later being that their company is only 2 hours away. So there is no excuse.

Since Transunion it has been more than 30 business days since Transunion received my letter which is in violation of the FCRA. I am asking for the following accounts to be removed from my credit report immediately. 

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 explanation
Consumer complaint received 2017-05-01
Company: MLD MORTGAGE INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   sold our mortgage to MLD mortgage, and during the process of loan sale our  Home Insurance wa s due (  XXXX  ). Neither company paid our insurance from the funds which were available in escrow. Now we are receiving failure to make payment letters and potential gap in insurance letters fro m    XXXX   XXXX  .  XXXX  says MLD will not speak to them regarding our account. MLD will not release payment to  XXXX  because they claim they can not make contact with any  XXXX  employees. After numerous phone calls and emails with each company we are no closer to having this issue resolved than when we started. MLD has exceptionally poor customer service with representatives becoming belligerent with customers on the phone when all we are requesting as paying customers, is to have the company fulfill obligations for which they are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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:
XXXX Equifax and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with Equifax XXXX and XXXX I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, 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 act XXXX XXXX XXXX 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. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S DEPT ED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
-I was billed {$27.00} fee. It was not denoted for what it was. ( they said it was a late fee. I always pay my bills on time and IN FULL. but they waived it stating it was from XXXX. I paid on time. ) -I was charged {$52.00} for interest on XXXX bill. I paid my XXXX bill on time. 
-it also denoted I had interest charges for all of 2017 at {$100.00}. As I already stated, I pay my bills in full, and on time. I do n't pay interest and I avoid late fees. 


So it is my view that Citibank is charging these fees INCORRECTLY and therefore FRAUDULENTLY to see if their customers are " monitoring '' their statements, to see if they can obtain additional fees. ( The representative actually said to me when I called, " thank you for monitoring your statement. '' ) It certainly is not unheard of in the wake of the XXXX XXXX Bogus Account & Fee Scam, which they were just fined a record amount for their wrong doing ... 
so, if you could please investigate this and see if there are any other Citibank Customers whom have had this occur, it could be a great boon to the common person, the working person whom is getting taken advantage of, once again. 

Much thanks, 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 explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had numerous creditors send me results XXXX  XXXX explaining that my credit score is XXXX the dates are XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX, XX/XX/2022 from XXXX XXXX and XXXX XXXX, on XX/XX/2022 from XXXX XXXX ; I use 3 credit monitoring services, all 3 report the XXXX score at XXXX for the last 4 months ( see attachment )

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 2022-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX  Account # XXXX US DEPT ED. 
Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have a right to privacy 15 U.S.C 1681 section 602a 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 explanation
Consumer complaint received 2017-01-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled my LL Bean Visa Acct XXXX debt with Barclay 's Bank by two electronic payments with a total of {$1900.00} pursuant to an agreement dated XX/XX/XXXX. In XX/XX/XXXX, a lawsuit was filed against me by Barclay 's Bank in XXXX ( MA ) District Court seeking full payment of {$4100.00} and failing to account for the settlement or even for the payments of {$1900.00} made in XX/XX/XXXX. I called the bank and spoke to a XXXX who told me they have no record of the XX/XX/XXXX settlement.

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 2016-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian refuses to remove this from my credit. The bankruptcy courts of XXXX Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is 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 explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2016-03-05
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.

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