BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made numerous attempts for a year to XXXX on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing XXXX provide me with validation documentation of the reinvestigation not verification. I receive the same response from XXXX, verified with no valid documentations. XXXX willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, XXXX refused to delete the account.The account until today is being reported with XXXXwo different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX  XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations XXXX is continuing to report are astonishing. XXXX has hurt my credit and violating my rights according to FCRA laws & guidelines. XXXX is abusing the system, violating any laws or guidelines?

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 2018-12-10
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 I obtained XXXX as my mobile service provider however soon after I initiated service I was unhappy with there network and service that I canceled, switched providers, and mailed back equipment in envenlopes supplied by XXXX. I was then contacted by collection companies trying to collect on a debt. I do not owe XXXX, I returned equipment and they have charged off balance and collection agencies keep trying to collect. In turn, bring my score down and resulting in many financial issues

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.

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 2021-05-11
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays collaborated with XXXX XXXX and issued me an Wyndham Rewards Visa Card to purchase " points '' that I did not want. 
XXXX used deceptive practice and fraudulent pressure to sell their product, and Barclay being the active party immediatey issued a $ XXXX credit card making it difficult to back out. 
Since XX/XX/2019 I have been paying back the loan. I never used the " points '' and will be not be using it in the future. I had exceed the 5 day grace period in XX/XX/2019 to back out of the application. ( Less than a month ) I called them but they provided no resolution. The card was technically never activated by me. 
Just to keep myself from being reported to the Credit Burea I continue to make a monthly payment. I am nealy XXXX and was very tired on the date of the purchase. The value of the Club package was $ XXXX which they kept being charging to this card. I currently pay over {$150.00} in monthly interest. 
I relaxed a moment only to become a victim to their scheme - a nightmare. An entanglement impossible to get out without spending even more money. 
Lost all my respect for Barclay a financial instituion I had admired.

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 2022-02-14
Company: Bread Financial Holdings, Inc.
State: NC
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CCB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
CCBXXXX XXXX XXXX : {$0.00} CCBXXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spent the greater part of an afternoon last week ( and I also made this report to the XXXX  ). I was checking my credit report on Transunion and creating tasks for them to investigate many accounts that were closed and old and still on my report. I also called transunion and spoke to someone I had a very hard time understanding this person. I don't understand why they put people like that in Customer Service! I explained I have multiple inquiries on several accounts the rep told me there was nothing they could do for me and directed me to contact the company and get letters to release these and send to Transunion. Later on in the day I went back into the account and all of the investigation inquiry flags had been removed evidently they were too lazy to work the accounts so they just deleted them. It is apparent to me that all they care about is selling our personal information to the world and how much money they make doing it.

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 2022-03-10
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:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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 2024-01-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had two checking accounts with Citibank ; one for myself and the other for my XXXX  son ; no fees were associated with this account, and if they were, they were reversed/waived. 
I closed my account maybe 2-3 years ago. My sons account had a total of XXXX XXXX in it. 2-3 years later, with no activity on the account, and Citibank is added fees saying that I owe. Total now is over {$30.00}, I believe. 

I asked, when I was a customer do they close accounts due to inactivity. I was told no now I see way. 

This is a clever way to steal money from consumers. 

I asked if the elder customers experience this as well. There was no response.

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 2024-01-06
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Newrez LLC is serving my loan. They requested me to provide home insurance for my condo. I provided insurance proof as requested twice. The first time I submit the proof through submissing link they provided, they didn't reply ( around XX/XX/2023 ). The 2nd time I called and sent the proof to the representative and was told I was all set ( XX/XX/2023 ). Now I found they still saying I am not having active insurance. They sent an insurance payment from my escrow account for a lender placed hazard insurance ( I already proved I have an active one ) and asked me to pay for the cost ( dated XX/XX/2023 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with USAA, a debit card linked to that account, and a apple cash account that used this debit card. 

On XX/XX/XXXX, I was XXXX XXXX XXXX by XXXX men who stole my phone and demanded my iphone password. They then sent themselves {$4700.00} via XXXX XXXX on my phone to a contact listed as " XXXX  '' : ( XXXX ) XXXX. 

I disputed this transaction with USAA as fraudulent and unauthorized, and they initially provided me provisional credit of {$4700.00} while working with the claim. After their investigation, they determined that these transactions were not fraudulent, and took back the provisional credit they gave me. 

I have since re-opened the claim with USAA, but I would like to file this claim because I am unsure if they will correctly determine that this transaction is fraudulent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a furniture purchase with XXXX XXXX and the purchase amount was financed with a promotional offer through Synchrony Bank. The amount of the purchase resulted in both a pre-authorization and an authorization, both in exactly the same amount. I have notified Synchrony Bank multiple times over the past four months to have the pre-authorization removed, but they have refused to do anything about this error and generally just provide poorly written system messages with unhelpful documentation such as a pre-authorization typically drops off after 7-10 days. OK, but what happens when it doesn't? Is all of the responsibility on the consumer to figure this out or take the risk that the pre-authorization will never actually be authorized and/or lose access to previously approved credit because the pre-authorization amount is reducing available credit?

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 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX furnished INACCURATE & INCOMPLETE information to the credit bureaus. I sued them under California 's Civil Code 1785.25 ( a ), and demanded recovery under CA Civil Code 1785.31 ( a ) ( 2 ). XXXX not only ignored that, but also, while the litigation is pending, CONTINUED TO FURNISH INACCURATE AND INCOMPLETE INFORMATION, and adamantly REUSED to add the consumer 's statements, which accurately outlined the information about the lawsuit ( XXXX has a law firm defending XXXX on the case who never responds, and never does anything.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
NOTICE OF DEFAULT OPPORTUNITY TO CURE I am writing to file a formal complaint against TransUnion for its blatant violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I have reason to believe that TransUnion has engaged in illegal actions by furnishing inaccurate information, failing to conduct a proper investigation into my disputed account, and violating my privacy rights by not providing me with the option to opt in or opt out of its data sharing practices.

TransUnion 's mishandling of my credit information has caused me immense mental and emotional stress. Despite repeated attempts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and has continued to furnish false information. This has resulted in the ruining of my credit reputation, making it difficult for me to access the credit that I need to move forward in my life.

Furthermore, TransUnion 's violation of the GLBA by not providing me with the option to opt in or opt out of its data sharing practices is a serious concern for me and many others who value their privacy. TransUnion 's disregard for my privacy rights is unacceptable and I strongly believe that they should be held accountable for their actions.TransUnion have exhausted allotted time by law. So they must remove.so again im asking, " Please authenticate and provide me proof that I am, LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. 
Therefore, I am requesting that TransUnion compensates me for the damages caused by their illegal actions. I believe that I am entitled to compensation for the mental and emotional stress that I have experienced as a result of TransUnion 's mishandling of my credit information. I urge the CFPB to take immediate action against TransUnion to ensure that my rights as a consumer are protected. 
Thank you for your time and attention to this matter.

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 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America makes it impossible to close an account. There's no method of doing so online, and when I try to call in and say I want to close my account it puts me on hold indefinitely ( it's been just about a full hour listening to the same annoying marketing message on fast repeat ). They obviously have the means to hire as much call center staff as they seem appropriate, so to me it seems like they're intentionally keeping staff on non-revenue generating actions like account closure slim on purpose. If they want to maximize their profits and refuse to hire more staff, they should at least let us close our accounts via the website. Wasting time having to go into a branch and wait in line there is not a reasonable thing to force us to do in XXXX  when everything can be done online.

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 2023-05-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking for a car, found one, and was told I had to put a deposit down on the car even though I didnt have to. Company to my deposit and amped up the price of the car. I noticed maybe a week later that that happened to me. Once I noticed I sent the dealership and finance company a lengthy letter including an affidavit to come collect their property and return my deposit, a cease and desist for the negligence they are knowingly doing. They came and collected their property from me and never returned my deposit. Now they want to claim I owe them for a vehicle I dont have possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CarMax, Inc.
State: VA
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:
CarMax Auto Finance is in violation of FCRA inaccurate reporting. CarMax had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted CarMax a total of XXXX times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of XXXX late payments my credit score has been impacted each time because of this I went from a XXXX XXXX XXXX to a XXXX because of CarMax I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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