BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
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: Account information incorrect

Complaint:
Re : XXXX XXXX XXXX ( AND ) XXXX XXXX Additional information to add to original complaint. BOTH TU and XXXX XXXX are reporting derogatory illegal inaccurate reporting under FCRA. They are both showing ( 2 ) Federal Bankruptcy filing as opposed to ONE! Enclosed hard copies reflect from the court, the ( 1 )  federally approved Chapter XXXX bankruptcy filed. Both XXXX  and XXXX  contacted the XXXX XXXX Federal Court in Texas and verified the facts. They both removed the reporting or corrected my credit file. However not TU or XXXX XXXX. 

2 ) In addition, please see the attached records. Where both TU and XXXX  are now reporting a XXXX XXXX XXXX " hard inquiry '' from XX/XX/XXXX. Since my credit file was froze during that time frame ... .How can it be, that XXXX XXXX was allowed to make any inquiry? Never-mind a hard inquiry ... Dropping my score causing me further harm. 

3 ) Therefore, please accept the enclose additional claim. To " add '' XXXX XXXX a subsidiary of XXXX. For reporting 2 as opposed to one bankruptcy filing. In addition, for reporting the XXXX XXXX hard inquiry. When based on material evidence my credit file was considered froze. 


4 ) PLEASE SEE ATTACHED MATERIAL HARD COPIES OF EVIDENCE ; PLEASE CONFIRM TU AND XXXX CONTACT THE FEDERAL COURT TO CONFIRM ( ( ( ( 1 ) ) ) ) FEDERAL BANKRUPTCY FILED FROM XXXX. As opposed to ( ( ( ( 2 ) ) ) their reporting is showing that the one filed from XXXX was " discharged ''. The court will confirm. There is ONLY Claim, one Case No. and one Federal Discharge in XXXX. Please see the court record attached. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for, received, and began using a new XXXX 's credit card. One feature of the card that I found attractive was the ability to check the balance and pay the bill online. I was dismayed to find the website will not allow you to use these features if the account is past due ; this policy is not mentioned on the website and a vague error message gives no indication of what has gone wrong. The credit card user is put in the Catch-22 : they can not pay their bill online until the bill is already paid. This policy makes little business sense to me ( why should any company make it harder for them to get paid? ). It leads me to wonder if the policy is a deliberate attempt to make payments difficult so as to increase consumer late fees.

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 2018-12-01
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately one year ago, I received a loan check in the mail in the amount of {$1200.00} from XXXX XXXX of XXXX, Tx. As I was struggling at the time, I went to a bank and cashed it. After spending {$90.00} that same day, I got cold feet and changed my mind ; I decided to return the remaining {$1100.00} to XXXX XXXX the next day. The following day, I did that, handing their rep {$1100.00}. I told him Id pay the remaining {$90.00} the next day. He told me that there would be an additional interest charge of {$30.00} so I would need to bring a total of {$120.00} to satisfy the loan. I agreed to do that. When I returned to their office the next day and handed the rep the {$120.00}, he told me that I would now need {$40.00} more. When I reminded him of the amount he told me to bring the previous day, he lied and denied saying it. I became enraged at this obvious attempt of extorting entrapment and refused to pay another penny. I then walked out. So to sum up, I cashed the loan check for {$1200.00} and spent {$90.00} the same day. The next day I returned {$1100.00} to their office and the day after that, I went back yet again to their office to give them the final {$120.00}. Several months passed and I received a letter from XXXX XXXX stating that I owed {$140.00} and needed to make payment to bring my account current. I was in shock and outraged. They knew very well that I spent only {$90.00} of the original {$1200.00} and I returned the remaining amount to them with interest within 72 hours of cashing their loan check. I ripped up the letter and vowed to ignore their criminal behavior. They proceeded to send me several more letters over the course of several months and to this date, now claim that I owe them {$650.00}. Im so physically and mentally sick over their lies and harassment that not only do I wish to have them stop contacting me. I now also would like to file a lawsuit against XXXX XXXX of XXXX, Tx for harassment and fraudulent debt claim. Can I do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM REVIEWING MY CREDIT REPORT AND FIND INCORRECT ACTIVITY IN MY CREDIT REPORT I FOUND A FRAUDULENT ACCOUNTS PLEASE DELETE THESE FRAUDULENT ACCOUNTS HERE I GIVE YOU THE ACCOUNTS AS A FRAUD.

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 2020-01-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a protected veteran. I am diagnosed with a XXXX XXXX XXXX. I have XXXX  problems. I thought I would sign up for Auto Pay to help myself. But what is happening is I forget I have Autopay and I will make a payment. Unfortunately the bloomingdales   computer program will not recognize a payment made and cancel the upcoming auto pay and they take a second payment. This had happened several times in the past and onXX/XX/2020. I have other creditors that put a reminder on the bill so that the customers don't make the same mistake. When I called bloomingdales to explain the situation and ask that they take steps to prevent customers, who have a XXXX  as I do, from making double payments, they acted as if there is nothing they can do. It seems to me that they just like this situation. I believe that they can put a note on the monthly bill that reminds the customers that they have XXXX. Or they can update their computer systems to recognize that a payment has been received, and a statement made to that effect, to advise the customer. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Fair credit reporting act XXXX has XXXXiolated 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 also states a consumer reporting agency can not furnish a account without 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 2018-12-01
Company: Go Capital Holdings, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Go Financial is reporting a outstanding balance When I got the car I wanted to give it back because the check engine light came on the week I got it ... The bank told me I could not give the car back and I had to get it fixed ... I call and told them the car was two months old and the car cut off and would not start back up ... They would not go to where the car was they said I have to get it back in front of my door ... Go Financial started calling my job threating employee stating the police would come to my job if I didn't put the car at the address on file ... them they finally stop .... Now I have a {$10000.00} debt on my credit from a lemon from the start

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Premier Student Loan Center
State: NY
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:
On XX/XX/2019, I have been emailing back and forth from an agent fro the processing department of Premier Student Loan Forgiveness, XXXX XXXX ( XXXX ) about how it is time for me to recertify for the loan forgiveness program. He was telling me that he need some documents from me, which was my tax form from the pervious year and recent pay stubs. So I sent them. On XX/XX/2019, I got a confirmation email from XXXX XXXX ( XXXX ) stating that they received my documents. On XX/XX/2019, I called XXXX XXXX  ( XXXX ) XXXX to follow up on my recertification, but when I called there was an automated voicemail stating that the following service is under investigation in the state of California and you should go to www. studentloans.gov or contact your student loan servicer regrading the status of your loan. I went to the website and found out my initial provider is XXXX. I called XXXX ( XXXX ) XXXX asking how is my federal loan doing. The agent told me that it was time to send in my document to recertify me again for the forgiveness program. I told the agent that I sent in the document two months ago but the agent insisted that they did not receive any documents from me. I sent in the documents in again. On XXXX XXXX, I decided to call XXXX XXXX again, to see if that automated voicemail was still there and it was. That's when I texted my Aunt XXXX XXXX : hey auntie, so the student loan program you told me about isn't working anymore and i'm trying to call them and the phone is out of service. That's when I called XXXX again to make sure they got all my documents and they did. The agent then proceeded to tell me that I had to pay the XXXX fee of {$330.00}, so I paid it. I then asked if they were getting my payments of {$40.00} every month for the last year and a half, and the agent stated that they did not receive any documents or payments from my since XXXX XXXX. When I heard that I was shocked because that is when I talked to/signed up to Premier Student Forgiveness Program with XXXX XXXX ( XXXX ) XXXX and gave all my information to an agent at XXXX XXXX XXXX, XXXX XXXX ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2022-06-15
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:
i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to meXXXX XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: CO
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 Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without 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 2022-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from a XXXX XXXX ( Female ) on XX/XX/2022 explaining that she was from XXXX XXXX in XXXX XXXX XXXX and that a form was being delivered to me or my place of employment. If I did not respond or was not at home or at work it would be considered a direct refusal to comply and proceedings will move forward without me. She called from ( XXXX ) XXXX and left the number for the direct filing party at ( XXXX ) XXXX with a document number of XXXX. 

I called both numbers on three separate occasions and could not get clear answers to my questions. I was informed that it was a lawsuit from Wells Fargo for a credit card debt in the amount of {$1400.00}. They were able to accurately identify my cell number, my former home address, and my current address. I never received any documents and scheduled an appointment with Wells Fargo to conduct a deep dive into any past accounts held in my name. We discovered nothing. 

I also pulled all three of my credit reports and did not find any open accounts with Wells Fargo.

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 2018-01-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Wells Fargo withdrew a total of {$1000.00} ( 2 transactions ) from my account as an intial deposit for a checking and savings account. 

The money was withdrawn from my account, but no one at Wells Fargo knows where the money went. I spoke with several reps and filed claim number XXXX. I was told that I will receive the funds back into my account in 24 to 48 hours. I am getting the run around. 
On XX/XX/XXXX, I asked to speak with a manager and was connected to XXXX Employee ID  XXXX. She stated that she was a manager and would not give her last name.

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 2020-01-05
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: Information belongs to someone else

Complaint:
I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
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: Information belongs to someone else

Complaint:
I AM REVIEWING MY CREDIT REPORT AND FIND INCORRECT ACTIVITY IN MY CREDIT REPORT I FOUND A FRAUDULENT ACCOUNTS PLEASE DELETE THESE FRAUDULENT ACCOUNTS HERE I GIVE YOU THE ACCOUNTS AS A FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: SELECT PORTFOLIO SERVICING, 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: Public record information inaccurate

Complaint:
SPS services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. SPS services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXXXXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( 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 2019-10-21
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX # XXXX is reporting a late and is on my credit incorrectly. The car was totaled and the insurance as well as the extended insurance/warranty was supposed to cover this but they are making me pay the remainder. I should not have to and this account has a late in XX/XX/2019 that I should NOT have. I shouldn't even be paying for this let alone have a late on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I pay regularly my monthly mortgage payment by check. In XX/XX/XXXX I applied for automatic ACH payment ( ln #  XXXX ). The confirmation was not forthcoming in XXXX thru XX/XX/XXXX. To avoid late penalty for XX/XX/XXXX, I sent a check to pay XX/XX/XXXX with a written note/warning " please do not double pay my XX/XX/XXXX payment, I applied for automatic " ACH '' payment " and confirmation of effectivity is not forthcoming. The lender received my XXXX check, ignored the warning not to double pay my XX/XX/XXXX mortgage, cashed the check. The lender accessed my bank money without my permission and maliciously for their advantage. The lender maliciously knew that my XX/XX/XXXX loan payment was already paid from a confirmation in their system, nevertheless cashed the check, applied such money to next month ( XX/XX/XXXX ) payment. I did not authoriz

e Sunwest Mortagge to cash that check. Lender staff ignored that warning and cashed. Unfortunately the check did not go thru but nevertheless lender and its staff accessed customer bank account in excess of my authority. For this reason, it is clear enough Sunwest Mortgage violated the trust I put on them so far as accessing my bank money without my permission. That is abuse of authority to collect mortgage payment ( as they already received my mortgage XX/XX/XXXX payment ) more than what they are entitled to. Imagine, Sunwest Mortgage collect and access maliciously any customer bank money as much as they can at any moments time and customers do not know of such activity until the customer receives a bank statement. For this reason, my bank charged me {$29.00} for that returned check for which I was asking Sunwest Mortgage to return/refund that money. I sent Sunwest Mortgage a bank statement that showed my bank charged {$29.00} but refused to refund.

I am filing this complaint so the public will be warned of this unscropolous activity of Sunwest Mortgage. I would like the lender borrowers to be aware of this lender activity. I also want the government monitoring agency to be aware of this kind of activity by this lender and to stop it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

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 2019-11-21
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
on XX/XX/XXXX I applied for a home mortgage with a national vendor. That vendor checked my credit report as part of their approval process. 

On the XXXX, XXXX and XXXX of XXXX I received unsolicited calls from a different vendor with whom I have no business relationship of any kind. 

XXXX XXXX  advise that they had not randomly called but had pre- qualified me for a mortgage based on information provided by experian -- including my income, employer, length of employment and credit score-as well as my home and cell phone numbers. 

When I called Experians ' corporate hq to ensure that they understood the privacy act of 1988 -- I was turned to the only source of consumer complaint -- a call center in XXXX XXXX where a barely able to speak english agent informed me that they had EVERY RIGHT to use my information in any way they pleased -- causing me to hang up and file this complaint.

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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a victim of Transunion inquiries error and I have XXXX hard inquiries from someone else.

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 2022-06-10
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:
hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC 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 non-monetary relief