BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX Transunion has been reporting XXXXXXXX XXXX XXXX XXXX as a closed-derogatory auto loan under " Paid in Bankruptcy ''. It was brought to my attention this year XX/XX/XXXX as I 'm currently trying to buy a house. I submitted my 1st disputed online with Transunion requesting this account to be verified and that I have NEVER filed bankruptcy. Result came back unchanged and verified, but I did n't receive any proof of such investigation. I submitted a 2nd disputed for a thorough investigation due to this account reporting inaccurate information since again I have NEVER filed for bankruptcy. 30+ days later Transunion never re-investigated my request and yet continued to report the derogatory information. I sent my 3rd dispute in writing to both Transunion and XXXX XXXX XXXX XXXX requesting them to either verify the accuracy of this account under said " Bankruptcy '' or remove from my credit report. The result came back from Transunion advising that XXXX XXXX XXXX XXXX updated my report to now " Reaffirmation of debt, Paid Repossession ''. In order to have a reaffirmation agreement that 's followed behind a bankruptcy it must be a legally binding contract signed by myself, the creditor, and a judge! Since I 've NEVER filed bankruptcy how could I have a reaffirmation agreement in place with this furnisher. At this point Transunions and XXXX XXXX XXXX XXXX are breaking the law and violating my rights by continuing to deliberately report false information in my credit report.

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 2022-08-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a small balance credit card from Citibank for a Home Depot Account. I have been struggling financially but have still been making payments every month. The promotion on the card was for 12 months of no interest. I am still within the promotional period, but found out that they have added more than XXXX USD in late charges to the account, since XXXX. That is nearly half the balance owed and is a ridiculous amount. I am trying to pay the promotional balance in full to bring the account balance to XXXX, but I can not justify paying Citibank XXXX USD in late fees on a XXXX USD balance. That is asinine and ridiculous. I called to find out what was going on, because my balance seemed off considering the promotional balance due. The agent waived only one fee, and then passed me to a supervisor that stated that they could not waive any more of the charges. I call bologna on that. I know that Citibank has the power to make this right for a customer who is trying to bring their account current and paid in full. I am asking that they waive most of the late charges if not all of them. In exchange I will agree to pay the promotional balance owing and bring my account current on XX/XX/2022.

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 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with Transunion when I sent them letters about the inquiries as well as phone calls . Tranunion reinserted those inquiries after they were deleted and I never received a 5 day notice about  the reinsertion. Which is a violation of the 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 2017-08-29
Company: Experian Information Solutions 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:
Experian continues to report inaccurate information even after I submitted proof that it is erroneous! This information reporting is INACCURATE, INCOMPLETE, and it has been changed several times stating that my monthly payment was {$530.00}, {$510.00}, {$67.00}, and now {$92.00} dollars. Also, all the previous good payment history was all deleted. The amount stated past due over {$10000.00} owed last month, now its stating {$9300.00}. This new wrong amount is stating that I am 180 days behind as of XXXX 2017 and this is going to negatively impact my Credit Score very badly and may cause my Credit Score to drop over XXXX points!!! I ca n't afford to take another hit on my Score because of them refusing to obey FCRA Rules & Laws and to report correct and accurate information!! What they are doing is illegal!!! They have clearly broken several Federal & State Laws! When you review the documents attached, you will clearly see that they are not in compliance and need to be reported and perhaps sued! 

One of the biggest discrepancies are that on two ( 2 ) different Direct Experian Credit Reporting Systems and Reports they have different information, open dates, and amounts being listed! This is clearly grounds for this inaccurate account to be DELETED IMMEDIATELY! This account & it 's errors are stopping me from getting the necessary emergency funding for me & my family! Please see the copies of proof I have of my Credit Reports showing a very serious issue with their reporting and also please see proof of XX/XX/XXXX from both Reports for Experian.com & 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 2017-04-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On  XXXX   XXXX , I received an  Escrow Analysis from my  mortgage servicer,  Wells Fargo . I found it odd because I just received my normal cycle escrow analysis in  XXXX    XXXX  . I called them and the Customer Service representative was not helpful. She said that Illinois required an escrow analysis to be run every  XXXX . I asked why this is the first  XXXX  escrow analysis I have we have received in  XXXX  and she could n't answer that.   On that analysis, nothing makes sense to me. My Escrow Account History shows the Actual Payments from Escrow to be {$3100.00} but in my Escrow Account Projections portion , Wells is pro jecting it to be {$6800.00}. How the heck did they come up with that?

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 2017-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
capital one is my favority bank i feel deceived no scripts in the response. but i asked on XXXX for 3 months to pay it without interest i am being given scripts.no no no refunds and while this bank has refunded the fees it has resulted in increased business from me as a result. now i am getting stonewalled so i am not using ctedit cards at all my 3 accounts. I am loyal i know you hvae been loyal but now i am being stonewalled. with scripts. i use the card due to loyalty. y advice get to know your customers better. i cant use my cards now. i am responsile i know interest is valid but after 12 years you cant help me but a new customer ok then i will go elsewhere. FINANCIAL industry get to know your customers better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 and XX/XX/2019 our business account held at XXXX XXXX was debited for {$180.00} and {$200.00} through an ACH transaction. Unfortunately we did not report the unauthorized transaction within the XXXX hours required by ACH for dispute so the money was gone from our account. The money was transferred to an account held at Capital One. We were unable to get any additional information from Capital One because of privacy regulations. We are planning to report the issue to : aw Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/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 2016-02-23
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, 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:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2014 I MOVED TO XXXX, XXXX AND RENTED AN APARTMENT FROM XXXX XXXX ( XXXX XXXX ), I TRANSFERRED ONE OF THEIR SISTER PROPERTIES THAT IS LOCATED IN XXXX, XXXX XXXX XXXX XXXX. I WAS TOLD THAT I COULD TRANSFER THE REMAINDER OF MY LEASE. I TRANSFERRED TO XXXX XXXX IN XX/XX/2014, I WAS RELOCATED BECAUSE OF MY JOB WHICH I GAVE PROPER NOTICE TO XXXX XXXX AND CALLED TO VERIFY RECEIPT OF NOTICE TO VACATE PREMISES IN 60 DAYS. I WAS CHARGED FOR ITEMS THAT WERE NOT FIXED IN THE APARTMENT AND FOR A WATER LEAK THAT THE APARTMENT WAS AWARE AS I NOTIFIED THE OFFICE MANAGER AFTER THE WATER BURNED MY SON. ONE YEAR LATER LIVING IN XXXX, XXXX I RECEIVED A BILL THAT I WAS CHARGED OVER {$2000.00} FOR FEES, ETC.

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 2021-09-23
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00} XXXX/XXXX XXXX Balance-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : XXXX. XXXX | XXXX  After your investigation is complete, please send me the results via mail.

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 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My variable interest loan is with Bank of America and I contacted them by phone to change it to a non-conforming product. XXXX XXXX was the agent I got and he sent me the attached offer on XX/XX/2018. He has not responded to multiple emails and voicemails. I also sent a message to the monitoring person from B of A who was copied on his email to me without response. Yesterday I called the Banks concierge line to find out if this person still worked for the bank and while I was on phone the concierge established contact with XXXX XXXX by message to inform him I was holding for him. He never came on and never called back even though I gave my number for the umpteenth time. 
I then called his boss and left a message - XXXX XXXX ( XXXX XXXX XXXX ) - no response. 
I have lost money by waiting. This is a XXXX dollar loan.

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 2022-08-31
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have sent the uploaded document : debt validation and affidavit of truth to Sallie Mae Corporation to request that they validate the debt. They have yet to respond or address my concerns. I have received verification that they have collected the documents on XX/XX/2022 and received the green return receipt on XX/XX/2022. They have threatened to report the alleged late payments to the credit reporting agencies which would in turn adversely affect my credit score. They have been performing harassing debt collection practices by calling my personal telephone number approximately 40 times over a 17 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a demand to update the payment history on My student loan according to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Department of ED/XXXX** ) such authority.

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 2022-08-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted a demand to update the payment history on My student loan according to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Department of EDXXXX ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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 Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/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 2022-08-31
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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