BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 2022-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of 2016 My wife and I went to a car dealership to test drive a XXXX XXXX pick up truck. After driving the truck we went into see if we could get financing. We looked for financing through the dealership. They pulled XXXX hard inquires on our credit. We were told that it would n't hurt our credit and that there would only be XXXX hard inquire. They also pulled credit on my wife as well. Now all of those inquires are showing up on her credit too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems Inc. sent a letter to my address on XX/XX/2022. I received the letter on XX/XX/2022. 
TSI called me on Thursday, XX/XX/2022, to inform me that they would be garnishing my wages if I did not pay this debt in full. They informed me that the debt was to the Department of the Treasury. When I inquired the nature of the debt to the Department of the Treasury, they did not elaborate other than to inform me that non-payment would result in serious consequences such as wage garnishment. They informed me that they would do this in XXXX. This is confirmed on the letter that I received the next day. I asked repeatedly for an itemized list of the debt, the nature of the debt, the interest, fees, services, goods, materials, and/or any item that would help me identify which department in the government I owed that eventually made it to the Department of the Treasury. I requested any information for what I was being charged. They could not provide any additional information. I informed them that the Department of Veteran 's Affairs typically charges me throughout the year for medical services and they take it from my tax refund, which I was fully aware and willing to accept. However, the representative only repeated that they would be garnishing my wages. I again asked, what items will my wages be garnished to pay as a debt. They again could not answer. Their letter states that I have until XX/XX/2022 to dispute the debt or they will garnish my wages to pay the debt. My rights are being violated by Transworld Systems Inc. that has no respect for veterans and should not be allowed to collect debts for the Department of the Treasury in any regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I pay my payment to XXXX on line as many people have a problem with their billing system you pay the lease payment on line then they contact you stating the payment did not post and Charge you late payment and reporting late fees I have had XXXX leases for many years never had this problem till I did on line payment they are impossible to reach and give a constant run around its getting extremely frustrating I want theses 4 late payments removed it completely unbelievable why dont they contact people before the 30 days late no they just want to collect late fees its piracy please help me to remove this ASAP unfair reporting

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  All Banks   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX      XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg.   Agencies  XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX    Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    Miscellaneous Reptg.     Agencies  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg . Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Complete Dept. Stores   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Credit Unions   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX     Auto Financing   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.    XXXX   XXXX  FLA    XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .

Company 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 2022-04-20
Company: LD Holdings Group, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
we refinanced with loan depot in XXXX XXXX XXXX for the amount of {$120000.00}. our home burned and we lost 100 % of everything we owned on XX/XX/XXXX XXXX our insurance company XXXX XXXX promptly paid {$120000.00} in XX/XX/XXXX. Loan depot did not apply that payment until XXXX XXXX XXXX we were in XXXX XXXXXXXX bankruptcy at this time making on time payment through the bankruptcy trustee. loan depot filed a revised claim stating that they were owed {$5500.00} after the insurance check was applied. however after asking for a complete mortgage history from loan depot and reviewing it the balance as of XX/XX/XXXX was {$120000.00}. we there for were again making payments through XXXX XXXXXXXX bankruptcy on the supposed {$5500.00} that they claimed we owed. we paid that until XX/XX/XXXX and we dismissed our case. on XX/XX/XXXX Loan Depot through their attorney filed forclosure int the amount of {$120000.00}. we contacted their attorney and informed him of this situation. he did nothing with the case. we then began working with loan depot trying to get a solution to this we could get no answers from them at all other than we were in forclosure, we filed for modifications, it took allmost 2 years to get one when we finally did we made our payments on time, when our final paperwork came due it was received late due to no fault of our own. our state was in a governor declared state of emergcy and XXXX XXXX did not pick up from the drop off location for quite some time this was of no fault of our own. the kicked us out of modification due to this. their attorney then filed to modify the amount of money that they claim we owed. we began working with their attorney trying to get answers, we feel nothing is owed once we had an attorney look over the complete mortgage history in fact we feel like we are owed. todate XX/XX/XXXX their own attorney still has no answers, they are still trying to rack up fees for pmi, inspecitons, intrest and so on. they have been paid approx. {$130000.00} on a {>= $1,000,000} loan. misapplied our insurance check, and still will not give us answers, this has caused us much undo stress, mental stress, loss of sleep and turmoil. not to mention the hours upon hours of dealing with this nightmare. we want a mortgage release asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
The department store credit card changed financial institutions that services the account and since that conversion, I have not received any paper statements nor an email notification that a paperless statement is available. It is now XXXX and my payment is due on XXXX and I have not received any statement telling me what my minimum payment requirement is. I understand that the statements are supposed be generated 21 days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from XXXX and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to Equifax. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against Equifax , XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in XX/XX/2021 advising me that I was denied for credit with Wells Fargo and needed to go to an in-branch and present documents to get approved. I never applied for anything with Wells Fargo. I immediately looked up the Wells Fargo toll free number and called to report. I spoke with a XXXX and was advised that a report would be opened. That report number is XXXX. I have since attempted to follow up and have not had any success. I keep being transferred to a different department with different numbers : XXXX XXXX XXXX XXXX advised me that Wells Fargo would investigate and would report to me the results of the of the investigation. To date, they have not reached out to me nor have I been able to contact anyone at Wells Fargo in the Fraud Department, Customer Service, Application Department, 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 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 in error.

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 2020-06-18
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
CHASE CHARGED OFF THE ACCOUNT THAT WAS PAID AS AGREED ( BY MY EX SPOUSE ) WITH NO LATES ... .IT IS DAMAGING TO MY CREDIT REPORT AND IT IS STILL REPORTING A BALANCE DUE ... THIS IS NOT MY LIABILITY IN FIRST PLACE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Synchrony falsely tried to charge me a late fee before a statement was due. 
I tried to resolve it and their customer support could not explain sufficiently why I was charged after I successfully explained that I had made the minimum payment and that a late charge for a payment that isn't due until may doesn't make any sense. She then tried to tell me late fee was for XXXX despite agreeing with me that I had paid the minimum amount for XXXX. All dates and amounts are shown in attachments.

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 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently opened a checking account with Bank of America. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Bank of America replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Late fee

Complaint:
I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a XXXX dollar a month fee every month sense and recently charged me late on my credit report for XX/XX/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to resolve, hundreds of dollars and XXXX communication from Capital One. Also in reviewing my credit card statements in trying to resolve with Capital One I could not get an explanation on why I was charged a late fee in XX/XX/XXXX when the payment was made. It just appeared on my next statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Somebody stole my credit card identity information and made XXXX purchases in a supermarket named XXXX for {$510.00} between XXXX and XXXX. There were other XXXX charges in other locations for {$400.00}. I have never been in any of these merchant locations, actually, I had to XXXX it because I did n't have any idea who it was when I read its name in the charge description. I disputed all charges when I received a text message from Bank of America on XXXX asking my approval for XXXX of those charges. Actually, I was sleeping at the moment I received the text message because I work during night shift. I swiftly replied " NO '', the credit card was immediately blocked, and I went to XXXX of the branches to report all these XXXX fraudulent charges, and requested a new credit card with a different account number. 
XXXX sent a receipt of XXXX of the XXXX charges ( {$220.00} ) to Bank of America that was signed electronically ( it does n't show my handwritten signature ), and the bank asked me a valid credit slip showing that the merchant intended to issue credit to my account. I explained the bank all the facts and impossibility of obtaining such receipt, the bank invalidated my dispute recharging me that amount. 
It draws my attention this merchant presented a receipt for {$220.00} charge only, and did n't rejected the other XXXX disputes ( {$250.00} and {$29.00} ). 
What is more disappointing is that Bank of America honors this kind of fraudulent actions despite I rejected this charge since the very beginning and make me waste my valuable time. Now, I have to go to the merchant place and if I can not get the credit from them, I have hire a lawyer to dispute this charge.

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 2022-10-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my Experian report, I saw an inquiry. There was supposed to be no inquiry per their website.

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 2015-06-30
Company: Phillips & Cohen Associates, Ltd.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything.

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