BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made an arrangement with XXXX XXXX XXXX XXXX to pay a payment in separate payments and they agreed and said that it would Not show late or delinquent and Now it does. I have asked for it to be resolved and they said it was an honest mistake on their behalf and may not be able to fix it according to what we were promised in the begining.

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 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Transunion listed on file of the accounts : 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 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was released from XXXX XXXX XXXX,2016 and upon my release I am trying to get my credit together. Upon recent of my report I see I have inquiries in my report which is impossible becuase while in XXXX you can not apply or have credit so thes inquiries are not mine. I should not have any inquires in my file. I sent over all my documentation including my id from XXXX which proves I was just released.

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 2018-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying for months to get a copy of my credit report from Equifax and the website always tells me my information doesn't match their records or that they are unable to process my request ( no reason given ). My information was amongst those affected by the data breach and I already know of one erroneous item on my credit report ( which I had corrected with the other agencies in less than 24 hours ). I can't dispute the account without a confirmation number from a credit report they won't give me. It simply shouldn't be this hard to get a credit report ; it certainly isn't a problem for potential creditors. I've tried the phone number but there is no option to talk to a live person so it tells me it can't help me. My only option seemed to be to send my personal information by mail to these people but it seemed extraordinarily risky. I went ahead and sent them copies of my lease and social security card. I am waiting for some response to this request. It seems to be very easy for everyone except me to get hands on my personal information with Equifax. I have had no problems at all with the other credit reporting agencies. Their systems are very efficient. Equifax is too inept to have so much power over people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not my account. I have never dealt with this company that they are reporting to my credit report and they did not prove this was me. They simply said that they verified it. How? I never gave my information to this company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the TransUnion Credit Bureau dated XX/XX/2022, to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 
XXXX XXXX  XXXX Balance Owed : {$23000.00} ; XXXX XXXX  XXXX Balance Owed : {$31000.00}

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 2016-09-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
On XXXX I opened XXXX CD 's in the amount of {$200000.00} each with XXXX in XXXX NY . CD 's term was13 months and were automatically renewable. The CD certificates were placed in my safe deposit box in the same bank. These CD 's were not redeemed, were discovered when I went to close my accounts and safe deposit ( which had not been opened in years ) box at what is now Wells Fargo Bank and discovered the XXXX Cd certificates, submitted them to the bank for redemption and was told that they had no records going back that far, and refused my claim. The issue is compounded by the mergers of XXXX XXXX into Wachovia in XXXX and the merger of Wachovia into Wells Fargo in XXXX.I believe the CD 's were in force at the time of both mergers and represent a debt obligation the must be honored by Wells Fargo. My CD records may have been lost in the mergers. Wells Fargo agrees that my original CD certificates are evidence that I opened the accounts ( copies of the CD 's will be forwarded ), and has not been able to provide any evidence that the accounts were paid or closed. The desired resolution is the redemption of the XXXX CD 's including accumulated interest for the years XXXX. I have tried repeatedly to resolve this issue and must now turn to the CFPB for help. 
The Cd # s are XXXX and XXXX. 
My information is : XXXX, NY XXXX. 
Email XXXX Phone 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 2016-06-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card
Issue: Other

Complaint:
I have tried at least 7 times to use my credit card online in the past and I have errors for decline due to my Ally bank 's security measures which are blocking it and I have all the information for billing exactly the same and it 's a false problem. I keep asking for it to be fixed and it does n't fix. I have to deal with this XXXX over and over and 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 2015-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has sent another debit to XXXX XXXX XXXX. I have already filed a dispute in the past that the XXXX debit is not authorized by me. My oldest son had falsely opened the cable account in my name. I'm getting frustrated that they keep sending this account to collections and I have proven that I am still a current user with charter and that account was not opened by me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent Trans Union a final dispute and verification request after they verified a item on my report. I quoted some a few FCRA laws that support my dispute to no avail. I need assistance on getting the proper results which will in turn not harm my personal image any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, my name is XXXX XXXX XXXX. You have listed at, XXXX XXXX XXXX, XXXX, XXXX , Ohio , XXXX. I have never live at this address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX XXXX is reporting my auto loan that was never late and paid off in full as " inc in bankruptcy '' to Trans Union. This account was NEVER included in the bk that was discharged in 2006. I re-affirmed my vehicle choosing NOT to include in the bk.

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 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are hard inquiries that where placed on my credit report without authorization. This was removed previously and reinserted by a glitch in the Trans Union system. I spoke to several employees of the CB and they were very rude and demeaning, and refused to remove the inquiries. None of these places had a written authorization to pull my credit and no form of credit was given to me by the place.

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 2016-10-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Nissan Motors Acceptance is reporting that a loan I paid off years ago is currently 30 days past due. 

The account never missed a payment ( as shown on my XXXX report ) and does show a current balance of {$0.00} but for some reason they are showing the current status as over 30 days past due which is causing it to appear as a derogatory account on my credit. 

The status codes are not possible with the account status and needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened an installment loan with Wells Fargo around XX/XX/XXXX for {$20000.00} which has an interest rate of 7.24 per annum. They believe that the per diem rate is {$3.00}, according to my statement dated XX/XX/XXXX. 
After receiving several months of activity I noticed that the payments of interest on the loan were increasing rather than going down so I went to the bank and my personal representative contacted the loan dept and after a couple of hours, the verdict was that their figures were correct due to the times that the interest was paid with different periods of time between the dates ... 
I allowed a couple of weeks for them to contact me to allow them to make any corrections to my account which was not done. 
I then went to a different branch of the bank and complained again of, what I feel is a terrible error in the way their computers are programmed, which is bilking thousands of dollars from their customers. 
Again, they explained to the gentleman with whom I spoke that there, was in fact, no error ... however, my XX/XX/XXXX payment dropped from {$92.00} from {$130.00} for the interest due XX/XX/XXXX. No other changes have been made, so far to my account for the " overcharges ''

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 2022-10-20
Company: Experian Information Solutions Inc.
State: IL
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX 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 explanation
Consumer complaint received 2016-04-03
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX ford Windstar from Americredit. Within a few months the transmission went out. I Made payment arrangements and explained it was in the shop having the transmission replaced. They showed up at my house and said they need the address of the shop. They assured me they just needed it on file. I had already paid over XXXX for the repair and had just made a payment. They went to the shop and repossessed it. I was not too far from paying it off since it was used. They auctioned it off. They added lots of fees so that I was unable to get it back before auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: General Motors Financial Company, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Date of first major deliquency was XX/XX/2010 although i have settled this account it has reached it 's maturity of 7 years and i respectfully request it be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently bough a Nissan car that I financed through Nissan. After I bought the car I set up a recurring payment auto-draft through the website. It has an option to pay an additional amount with an asterisk next to it. At the bottom of the page the asterisk is explained " *PURCHASE : Additional amount will be applied to any outstanding charges on your account first and then the principal balance. The regular payment and the additional amount will continue to draft each month, as scheduled. '' The part about the principal balance is in bold on the website. I chose to only set up the XXXX payments as I wanted to pay additional principal with these payments but I was not sure how much additional I would want to pay after the XXXX months. Today I logged in to set up the recurring payment for the next XXXX months and noticed a payment due date of XXXX/XXXX/2016. I called and was informed that my additional amount had been applied to my next payments due instead of the principal. I was told that I could not apply the additional amount to principal with the recurring payment despite what the recurring payment page said. I told them they needed to fix it and they said they would submit the request but that it would take a few days. I was also told that since my payment was due today and that it takes a few days to process the request, my payment for this month would be pulled from the amount I intended to use to pay down the principal. I was then told that future additional amounts to be paid toward the principal only should be mailed with a reference on the check for principal only. All this despite what is says on the recurring payment page.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CarFinance Capital LLC, Irvine, CA Branch
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They called me at 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 2016-04-05
Company: Valentine and Kebartas, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie. 

I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, 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 2023-02-01
Company: EQUIFAX, 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:
My credit report with Equifax is showing that there was a XXXX flexible spending credit card ( account ending in XXXX ) that I was listed as an authorized user for. The report says the account was opened on XX/XX/2016 and ended up getting closed and sent to collections with a {$2100.00} balance that was never paid. I never opened an account with XXXX or agreed to be an authorized user on any cards owned my XXXX. 

I've called XXXX 's multiple times over the last 2 months to get this removed. I submitted a fraud ticket and was supposed to get a call back in 14 business days, they never called back. I called again and when through the same song and dance and they were supposed to call be in 48 hours once they got " manager approval '', and they never called me back. They have not been able to find any information about me in their system- they don't have any accounts that pull up under my name or social security number. When I asked them to then send a letter to the credit bureau with this information, they said they can't do that because they don't have information about my account.

Then, I disputed this account with Equifax ( mind you, the other two credit bureaus have removed this from my report ). They responded to the dispute and said the information was accurate. I'm not sure how they were able to prove this if XXXX 's themselves didn't have any information about this account, but I digress. 

Now I am at a loss because XXXX 's doesn't have any information about this account, and the only way I could remove the account with Equifax was to get a letter from XXXX, which they won't provide to me.

Company response to consumer: Closed with explanation