BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To XXXX & TransUnion, This is a formal notice that you both, XXXX And Transunion, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

2. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

3. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

4. ) Account : XXXX XXXX XXXX XXXXXXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

5. ) XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days.

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

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 non-monetary relief
Consumer complaint received 2015-11-17
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi I belong to Experian my credit Report Shows, Some XXXX Ripped me Off by my ID, XXXX, XXXX XXXX Theft and Frauds Acts, I will be criminaly asking these Co, XXXX were it was n't Me applying for, Credit Cards XXXX Financing, Loans, Advances, Cars Boughten, etc will be listed, I have suffered a major financial loss from these and jobs loss, and anxiety problems from these crimes, I Need a Criminal Case Made on all these Co, s to Show Me, Restitution $ $ and a Court Case Will be Made on All of them if Not Settled and Restitution to the Best Amounts, Plus I, de like a Full Report on the Pictures, Emails, IDs, Signatures, Times and Dates of transactions / Finger Prints, Etc in Full Details Back Please, Heres The Co , s that someone Applied and Got Funded $ $ in my ID Entity and went on my Credit Report, Experian XXXX Lists, Free Score Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not in service new number? 
XXXX XXXX XXXX Bank = XXXX - XXXX - XXXX XXXX XXXX XXXX Bank = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX Bank = XXXX XXXX XXXX A lot of Accounts Here? 
XXXX = XXXX XXXX XXXX Financial = XXXX XXXX XXXX for the Following below # fluris lend up = XXXX XXXX - XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX Total Accounts = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX accounts there XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX Credit = and XXXX Cash Loans servicesXXXX =look up Website contact Please?, XXXX XXXX = XXXX XXXX XXXX XXXX Loans = XXXX to XXXX Accounts Please ask Thankyou XXXX XXXX Web Loans XXXX accounts there Accounts = XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX or XXXX Loans, there accounts = XXXX XXXX XXXX = XXXX or XXXX Accounts there Look Up Center XXXX XXXX = XXXX or XXXX Accounts there = Loans XXXX = XXXX or XXXX of them Accounts = Loans Look Up Website & Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts here Please Find All Thanks .. 
XXXX Pay Day loans XXXX Total Accounts = Look Up Website Please, All these Accounts through XXXX XXXX? above, XXXX Bank XXXX XXXX XXXX = XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX, = XXXX XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX Bank loans = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I , m Being Monitered while Doing these Co, s I Made a Crime Report to the XXXX XXXX Police Department, I XXXX m giving this to them also, theres a Real XXXX from these Criminals havnt Gone to SCARED STRAIGHT, Class or Death Row Education for further Proceedings,, this is on my Experian Credit Report No lies No perjury,

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 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Re : Foreign Transaction fees charged by Bank of America While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars?

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 2022-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX When I applied with for this loan at the XXXX dealership I also had other financing options. USAA gave me a fixed rate of a high 4 % because I didn't enroll in autopay. Then last year sometime as I was making my payment I noticed my rate was in the mid XXXX 's. I'm super busy and didnt make time to call in and address. When I paid off my car, the rep I spoke with mentioned that I had a 6.09 %. I'm a mortgage loan officer so rates don't confuse me and I shopped my options. I know I didn't agree or sign disclosures for a 6.09 % with a credit score in the mid XXXX 's. I called in and the rep said my initial disclosure was the 6.09 %. I did not sign this rate, I reviewed my docs before and knew my options. USAA was hacked and please forward this to the appropriate dpt. I've reported this with the FBI because I believe I'm being personally attacked as this has followed me else where. If you listen to the phone calls and they are scrambled it's because those calls were edited and hacked. As I've experienced this in the mortgage industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/2016, an unauthorized person logged onto the Experian website and used my personal information ( ID theft ) to pay {$1.00} for a 7 day trial to get access to my credit report. I did not know this until XXXX/XXXX/2016 when I received in the USPS mail notifications from XXXX banks ( XXXX XXXX and XXXX XXXX ) that online checking accounts were opened in my name and that {$5200.00} has been transferred from my own personal savings account at XXXX XXXX Bank into these XXXX accounts. I immediately worked with XXXX XXXX and the XXXX other banks to retrieve the {$5200.00} and place fraud reports with each of them. I also filed a local police theft report, an FTC fraud report, social security fraud report, and placed a 7 year fraud alert with all XXXX credit report companies. The problem I have is that when I initially contacted Experian on XX/XX/XXXX ( contacted them on XX/XX/XXXX and XX/XX/XXXX but was told to call back on XX/XX/XXXX since that fraud department was closed for the weekend ) I was told after over two hours on the phone and being transferred to XXXX different people that they do not have a fraud department to handles fraudulent access to credit reports. That they only had a fraud department to handle fraudulent items on the credit report itself. When I tried to explain to these people that it was not me that accessed my credit report on XX/XX/XXXX, they kept telling me it was me based on the information they had. When I asked them to release to me the email address and the credit card used to gain access to my credit report on XX/XX/XXXX, they advised they had that information but would not release it to me. To this day, I can not get Experian to release that information to me. I have asked the local police department to request this information from Experian via a summons, but they do not seem to have the time to do that (? ). However, the local police were able to narrow the thief down to a local person due to other information they gathered ( so it was not a thief from XXXX or other non-USA location ), but they seem to have stopped working on the case due to other priorities. If there is any way you can get Experian to release the CC number and email address used in opening this {$1.00} trial account on XX/XX/XXXX so I can give it to the local police for additional follow up, that would be great. Or if you have any other suggestions on how to get this information to help in the police investigation, please advise. I was very disappointed that Experian would not help investigate this unauthorized access to my credit history, and also amazed at how easy it was for someone to gain access to my credit history via their website. I can provide additional information upon request.

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 2022-05-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

Company 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 2017-01-26
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Today I found out that I had a small balance on my credit card when for the last two months twice a week my credit card company has notified me via text that my current balance is {$0.00}. Knowing I had not used the card in a while, and that the text messages from them backed that up, I was surprised to find out that they had reported me to the credit bureau for being delinquent on a payment. Immiditly I contacted them in regards to this issue. They explained to me that the charge was for their annual fee but they apologized that my notifications showed {$0.00} Since I did not pay the fee ( I did not know they had charged it ) they charged me with a late fee and interest rate. ( We always pay our account before the interest rate ) During my chat with the customer care agent she stated they understood it was not my fault but that they could not refund the fees, I let her know that at this point the fees were not my concerned. I just want this negative hit off my credit. I told them I would contact the AG and the FCRA and they disconnected the chat ( I have it all saved if needed ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: GA
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:
Upon checking my XXXX and Fico scores ( XXXX XXXX ), i discovered that my credit score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX Credit Account. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 

I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon checking my XXXX and Fico scores ( Trans Union ), i discovered that my credit score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX Credit Account. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 

I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.

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 2017-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 contacted the credit bureau  ( s )  and inform them that the information/account number being reported by Bank of America is not my account, please remove, and have Bank of America provide a sign contract with my signature. With the the loan number being reported. The information was not 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 2016-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to settle an old charge off on account # XXXX that had a balance of {$460.00}. 
I was referred to XXXX that is the company who is in charge of this account even though XXXX XXXX XXXX is the XXXX reporting to my credit files. 
I was able to get a hold of XXXX, and we agreed to settle the account for less than the full amount. I spoke with XXXX XXXX in regards to the account and the agreement was for me to pay 55 % of the balance owed and my payment was going to be for {$250.00}, the confirmation # given is XXXX. This amount was deducted from my bank card and they agreed to show on my credit report a balance of XXXX and a notation that the account has been settled for less than the full balance. On XXXX XXXX, 2016 I pulled a copy of my credit report and it shows that XXXX XXXX XXXX is now showing a balance of {$200.00} for the remaining that was not paid, and is supposed to be the forgiven amount. 
According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes found. 
I thank you in advance for upholding the federal laws as directed by FCRA and address this incorrect information being reported by XXXX XXXX XXXX. 
For a creditor not do this is a violation of the FCRA. 

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 2022-05-27
Company: Minto Financial dba Minto Money
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I called them because I needed to Lend {$150.00} for XXXX. I was told that They were only allowed to borrow me a minimum of {$670.00} at an Interest rate of XXXX XXXX. I was told it would be a total of 7 Payments of {$180.00} and the last payment would be taken on XX/XX/XXXX XXXX After this last payment came out I went to the bank and had them put stop payment on any future payments after reading the horror stories. On XX/XX/XXXX I received an email notifying me that they will be taking another payment out of my account. I called Minto Money to ask why they were taking more out of my account. They said that the interest was a Daily Charge and I haven't paid on ANY of the loan at all ... my total balance still Remains plus more interest, and I must have " Misheard '' them because the loan is 840 % interest. I explained that I was told a total of 7 Payments would be taken from me, and the terms discussed were nothing of the sort. They refused me a chance to speak to a supervisor or anyone who can explain why this is happening. I even brought up that Minto Moneys beginning call disclaimer states that they have a recorded line and they have the proof that I didn't agree to those specific terms. They claimed the balance still owed is over {$900.00}, But have since locked me out of the online page to check this " Balance ''. They have since sent me texts everyday and call multiple time daily. I don't know what else to do. I knew I would be paying a high loan at 84.9 %, But i would have NEVER CONSENTED to 840 % interest ... .Especially since I knew I has already going to struggle incredibly hard with {$180.00} already coming out of every paycheck for 7 paydays.

Company response to consumer: Closed with explanation