BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
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: Account information incorrect

Complaint:
The XXXX  Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.

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 non-monetary relief
Consumer complaint received 2022-10-29
Company: DISCOVER BANK
State: NY
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 have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
walked into dealership they told me they would run my credit once, i checked my report they ran it several times. 


XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Bank of America Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 further states that a consumer reporting agency can not furnish an account without any written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-30
Company: Experian Information Solutions 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:
XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.

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 2023-04-27
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was affected by Hurricane Ian severely. It has been 7 months, I need a roof and many other repairs to my home. XXXX XXXX would not pay for all the repairs so I agreed to a settlement amount and they sent me a check. Movement Mortgage is holding the check that I overnighted on XX/XX/23 for them to endorse so I can fix my home ( especially the roof before rainy season is here! ) Movement Mortgage refuses to release the check stating they need itemized statement from XXXX XXXX and the Public Adjuster I had to hire. I have been advised we do not have that in this case due to the settlement amount. I call daily and today I missed work and have called all day and still no help! Everyone says something different is the issue. I can not speak to a supervisor and literally have spent all day on the phone with nothing accomplished, just more excuses. Can you please help me get the check released so I can finally repair my home damage?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
wells fargo has taken 6 mos to help me remove their error on my credit. I had a lease with XXXX XXXX, bought it out from them through wells fargo, wells fargo admitted blame in writing ( see Attached ), however XXXX denied the excuse, and I still have a 30 day late on my XXXX credit report. I have emailed, phoned wells over XXXX times and they still havenot helped me at all, its affected my refi on my home at this time

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the 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 non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
i XXXX XXXX, am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. 

It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I noticed some unauthorized inquires on my consumer report. I did provide these creditors or TransUnion my written consent to report these inquires listed on my consumer report. TransUnion is defaming my name on reporting this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX XXXX XXXX  Total balance : - XXXX  Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX  XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/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 2022-10-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: National Credit Systems,Inc.
State: NJ
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:
I never received any notification, by mail or email, or phone of any amount owed to anyone anywhere and now I am seeing a collection on my credit report that is a complete surprise and frankly unsubstantiated. I received a call last week from a debt collector - the first call ever - in regard to an apartment building I used to live in but asked them to call me back since I was in class - they never did. This building never sent me any notice of outstanding payment due and I have no idea what they are even claiming this is for. When I moved out after my lease ended last XXXX, I gave them 30 days ' notice and they said they needed 60. I submitted a formal complaint and never heard back anything. No invoice or bill was ever sent to me. I am only seeing this now on my credit report which is unfair since I was NEVER contacted by the building about an amount owed. How can they do something like this? My phone and email are the same and they have both because they still send me emails from their rental portal about events. Please help, this can not affect my credit score since I was never given an opportunity to resolve this matter with the apartment before they sent this to collections. I am incredibly disappointed and hurt that a building I lived in for a year and paid on time as a perfect tenant would do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!

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 2023-02-05
Company: Universal Account Servicing, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The time agreement they advised me before accepting the credit was inaccurate. They stated that my payment agreement ended on XX/XX/XXXX which they actually ended on XX/XX/XXXX. 
The only remaining amount I owed was suppose to be XXXX in which they charged XXXX of interest stating that it was due to late fees and the 16 percent interest on XX/XX/XXXX they charged me XXXX accounts more then what I actually owed which was XXXX and they charged me again on XX/XX/XXXX XXXX a total of XXXX And they keep charging me interest because they tried charging me again another XXXX dollars which I disputed instead of XXXX now they are trying to charge me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was applying for a business loan. The Lender retrieved my credit report and told me that I had XXXX outstanding balances which I know I paid off. On my credit report this information is not correct and is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Healthcare Finance Direct LLC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received finance for {$1100.00} from myfd Healthcare Finance Direct. Our contract was for $ XXXX direct pay. The lender automatic deduct the monthly payment from my bank. On XX/XX/XXXX, I overpaid Healthcare Finance by {$5.00} / $ XXXX before the length of the loan. They website showed that I paid in full. However, their rep constantly called me day and night and emailed me bills every month stating that I still own them money. I called and explained to avail. they still stated that I own them and keep billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: OH
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 received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.

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 2023-06-09
Company: U.S. BANCORP
State: FL
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:
Credit account opened rsulating in late payments reported to my credit that I have no knowledge of This is affecting me as I just finished fixing my credit I need this account closed and removed from my credit report asap. Please and 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 2023-06-09
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX  in XXXX Louisiana Fraudulently to multiple lenders ruining my low inquiries and credit scores. Please IMMEDIATELY the following same day Fraudulent Unauthorized private Inquiries pursuant to FCRA XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We hired a moving company to move our belongings from one apartment to another for a total cost of XXXX dollars. After we moved, paid for the service and tipped generously, we realized our brand new XXXX monitor ( purchased in XXXX for XXXX ) was damaged. We reached out to the company for resolution. They claimed they interviewed the movers and stood by there claim that they didnt damage it during the move. They offers a XXXX dollar credit for smudges on our tvs and new monitor ( same one that was scratched ). They said this was there final offer and we had 24 hrs to accept. We disputed the charge with Citizens Bank ( the credit card we used to pay for the service ), and we were just told it was rejected. We have a receipt for the item and photos showing the damage and handprints from when they picked up and damaged our monitor. We have never filed a dispute, happily paid for the service and tipped prior to realizing the damage, and frankly at a loss that Citizens bank would not back its customer over the word of the company that damaged our property and failed to replace our property.

Company response to consumer: Closed with explanation