BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2017-01-14
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX claims that I owe them because their equipment was not returned but in fact, it was returned using their packaging and their shipping label two days after they delivered the return box and label to me. XXXX support would not provide any assistance on verification of the receipt of the returned equipment. They would not provide information on how I could contact the recipient of the equipment to follow up on its status. Their absolute refusal to provide information about the recipient of the returned equipment seems disingenuous and the subsequent collection program seems like a scam to try to collect money that 's not owed to them.

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 2017-10-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am applying for a home loan and was informed that there is a collection item on my report. Its is on Equifax. It shows I have a collection item through XXXX XXXX in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through Equifaxs wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for Equifax but was unable to speak to anyone just got info regarding the security preach. I then contacted XXXX XXXX. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported onXX/XX/XXXX, Opened onXX/XX/XXXX, last activeXX/XX/XXXX and reviewed for 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: Investment Evolution Corporation
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for a personal loan through the online site 'Mr Amazing Loans ', and as part of the prequalification phase, the site attempted to get me to enter the Username and Password for my checking account at XXXX XXXX . I already provided my bank 's routing number and account number on the previous page. I have never been asked by any financial services site to enter my Username and Password for an account at another non-affiliated institution. I 'm certain there must be some regulations prohibiting this type of conduct. I would kindy ask the experts at the CFPB to look into this matter. This type of personal information should never be requested by any online site. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: United PanAm Financial Corp.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector called a family member a ( Third party individual ) whom was not listed nor had nothing to do with UNITED AUTO CREDIT. They questioned and gave out personal and financial information to a person that was not authorized on this business matter. I feel that this was very unprofessional and cause harm to a potential business matter that I had going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I reached out to Equifax via phone about excessive amount of unauthorized/Fraudulent inquiries on my report. Numerous rep refuse to dispute and or remove the inquiries. I 've sent in certified letters disputing the unauthorized inquiries and they refuse to remove them. I finally went online after finally having access to online disputes and I disputed these inquiries and as of yet Equifax is refusing to remove the fraudulent/unauthorized information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I am still enrolled in school and American Education Services is reporting that I am 90 days late on payment for my student loan. I have called them and they still have my information in their system as being in deferment however all XXXX of my credit reports are not reflecting. I need this to not appear on my credit report because it is reporting {$11000.00} as 90 days late which is very damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Transunion , LLC about removing an inaccurate chapter XXXX bankruptcy being reported on my credit file. I have requested validation of this chapter XXXX bankruptcy by the court and my original signature on this chapter XXXX bankruptcy. Transunion has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Transunion is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.

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 2016-12-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never done any business with XXXX or XXXX.I have disputed this information with XXXX XXXX XXXX. They are showing a XXXX balance which begin at XXXX. I asked them to validate this information, they do n't have anything with my signature or a contract.This information is with the XXXX credit reporting bureaus. I have disputed this information with all XXXX of the credit reporting agencies. It is against the law and illegal to report inaccurate information.

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 2016-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service.

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 monetary relief
Consumer complaint received 2017-04-09
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2017 deposit XXXX XXXX debit card checks each ( {$2500.00} ) totaling $ XXXX US bank Atm. Unable to access Acct on XX/XX/XXXX. Called US bank customer service XX/XX/2017 and told my account closed due to fraudulent checks deposit made XX/XX/2017. I Obtained copies of checks in question from US bank and took to XXXX, where checks originated. Informed by XXXX that checks are valid. XXXX contacted by phone, emailed this information to US bank with no call I to resolve this matter. I Called XXXX, mgr at US bank XXXX branch and told he spoke with someone over him. He informed me my accounts to be closed ; a check to be mailed out to me ( minus bank fees ) around XX/XX/2017.

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 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Capital One charged Off my Venture credit card account after it was paid. How can a credit card be charged off if it's paid. This is fraudulent and discriminatory action towards my financial status. This account is paid. 
During the beginning of the pandemic I paid this card off while battling the Novel 19 covid virus. I will be false to seek legal assistance if this is not deleted from my credit profile on Transunion, Equifax and Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On  XXXX / XXXX /   2013 s omeone I do not know did a mobile deposit in the amount of {$2700.00}.   On  XXXX / XXXX /   2013 so meone sent that money via  XXXX   XXXX  to a unknown person. The bank did not wait for the check to clear and when it bounced I was told I was liable. The signature on the check is clearly not mine. My computer was hacked and my banking information was compromised.   For 4 years I have not been able to secure a checking account other than an internet bank.   I have a copy of the check and signature as proof it was not me.

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 2021-11-24
Company: WELLS FARGO & COMPANY
State: NC
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 continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.

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 2021-01-18
Company: EQUIFAX, INC.
State: SC
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a 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. 

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 my 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 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 non-monetary relief
Consumer complaint received 2016-03-22
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was switched from XXXX XXXX XXXX to SunTrust Mortgage. I have received XXXX letters explaining this and how to set up an online account with SunTrust in order to pay my mortgage and that I can and must do so after XXXX XXXX. However I got a error notice every time I tried to set up the account. I have now made 3 phone calls to SunTrust trying to figure what is wrong and keep getting different explanations such as we do n't support Mac computers ; our website only works on Internet Explorer ; our website will work on Chrome but you have the wrong version ; you ca n't set up an online account until after XXXX XXXX, 2016. Each time I questioned the incorrect information, I was put on hold, or chastised by the customer service agent for suggesting that it might just not be " my fault '' that it 's not working, or told to stop yelling ( which I was n't ) or told to NOT do something else that I was n't doing or simply put on eternal hold. I just want to set up automatic payments and pay my mortgage and do n't understand why SunTrust ca n't produce accurate instructions and polite customer service agents who are well trained enough to figure out when it might just not be the customer 's fault.

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 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I just spoke to XXXX employee id XXXX @ Trans Union credit reporting company. I want a one time copy of my credit report and score. The web site and XXXX told me I can only have it if I also by a credit monitoring service billed monthly@XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has an item listed on my credit report this item is from XXXX it is dated XX/XX/XXXX so this item is not mine I never noticed it on my report. Till recently they last reported the item XX/XX/XXXX. This company constantly reports this item once a month causing my credit report to be effected. I asked Equifax to verify this item withing 15 days after the item came back as verified. According to FCRA they never sent me any verified information within the 15 day time frame. They never sent me any information period. I want this item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigatin g. Citi Bank to ld me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant  XXXX   XXXX   XXXX  charged me {$5000.00} on  XXXX / XXXX /  XXXX   and they contacted me by phone and told me their services were necessary for my online business make money, and it would bring traffic to my website. They promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote rcspromotions website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.

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 2016-01-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Looking to fix my credit to purchase property, I requested a validation of the account via mail 3 times. The only answer we received was a bill, with no break down or validation at all. 
No breakdown of fees or any other explanation. This account was unattractive for years, know the calls are extremely over the limit calling all day about every hour, and letters on the mail 2-3 every week. I have called the agency to request and offer a settlement. 
They refuse to offer anything and know, I am getting calls with treated to take legal action. 
This company fail 3 times to Validate the account credit agencies disclose that agency have show them prove and validate the account, but I do not get anything in paper. just the bill. 

In addition, now other company ERC collection agency is sending me a bill and calling and every time I ask to disclose the name or employee ID for my records. They refuse to gave name and they star with treated to take legal action. 

Note : If XXXX sold the account? I never give XXXX authorization to release my personal information like my home number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief