BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 recently received a copy of all my credit reports from XXXX, XXXX or TransUnion, XXXX also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have XXXX open accounts dated : XXXX, XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX this is only a total of XXXX inquires that were made there is a total of XXXX added inquiries I feel are duplets that were reported for XXXX account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. As for these dates no accounts are open, all open accounts with company dates have inquires listed which are the XXXX I only have knowledge of.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2022-12-17
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Interest of XXXX %. A loan I got for XXXX XXXX is costing more than 5200.00at payoff. This is indeed predatory, ,my complaint is that I pay XXXXamonth because they won't change the due date, it comes out of checking account XXXX day before paid,, therefore over drawing my account,,, I called and ask them to change date of withdraws they said contract won't let them,,,,,,, approx.XXXXdollarsa month Xtra over draft fees XXXX ... .please check on this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.

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 2022-03-14
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My first notice was XX/XX/XXXX. I contacted CCS regarding the debt collection. They claimed it was issued by XXXX XXXX. I spoke to the representative and explained XXXX is in network with my insurance and I will be disputing the bill. The representative placed my collection on hold. I contacted XXXX XXXX who then confirmed my insurance was in network and they were going to remove the collection. I received another collection notice on XX/XX/XXXX. I contacted CCS again, they stated I am now in violation of the requested payment and my credit score has been given a negative mark. I was forced to set up a payment plan immediately on a bi-weekly status, because I am trying to buy a house. I made my first payment XXXX. I contacted XXXX again regarding the collection. XXXX stated they had put in the stop to the collection. I did not pay a payment and the next letter was demanding the payment of XXXX in full. I again called CCS they claim they didn't have any stop notice and will continue with collection. The rep also stated I received another negative mark on my credit score for nonpayment. I continued to make the biweekly payments. I made the last payment in XX/XX/XXXX. I received a new invoice from XXXX demanding another amount after I paid XXXX in full. I called XXXX again and spoke to a manager XXXX XXXX. She stated CCS received the stop notice on my collection in XX/XX/XXXX. I explained to her CCS continued to collect the amount in full and continued to add negative marks on my credit score. I am now waiting for a full refund of XXXX. CCS had no legal right to continue with a collection, they were provided a stop to the collection and continued along with giving me negative collection marks on my credit score. I set up an account with CCS to make payments and receive notices. CCS has removed all my information and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
I received a prepaid credit card issued by Bank of America for an overpayment for services with XXXX XXXX. With the card was a notice that I could call and receive a check, which I did. I received the check in early XX/XX/XXXX the day before I left on a trip. I put the check away for safety and forgot about it until the XX/XX/2018. When I found the check it had a " void after 120 days '' on it and I was not able to get out to cash it so I called customer service to request a new check on # XX/XX/XXXX and was told that they would issue a stop pay and send a new check .I have been getting the same story 2 times a month and still no check .I called another customer service number to elevate my claim and was told yesterday that they received an e-mail stating that the original check had cleared the bank .I still have the check and Iverified the number with them and it is the same.

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 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently found out that I was a XXXX XXXX  for a Capital One settlement due to a XXXX Data Breach. I called the capital One Settlement department and was told I was a XXXX XXXX that could have received benefits, but because I did not respond to the claim in 30 days, I lost my opportunity. An agent told me that an email was sent out to me about the settlement in XXXX of XXXX, but she also said the email was automatically deleted after 30 days. Meaning, Capital One purposely sent the email to my Spam folder so that I would not know that I was an eligible XXXX XXXX for the settlement. Others have received {$700.00} as a result of the settlement, but others like me are out of luck as the final deadline to submit for the claim was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions 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:
I did not consent authorization of this account. This information is inaccurate and affecting my livelihood due to the furnishing of this report.

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 2021-03-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was stolen and the insurrance did 'not pay what the have to pay, and now the bank want me to pay for the rest of the amount that the insurrance did't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
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 am having a mortgage payment serviced by XXXX as a Citi Bank home loan service agent. There was an overdrawn that occurred on XXXX 2020, on my Citi Priority Checking Account for a small amount. My checking account overdraft protection policy did not apply to this transaction? XXXX didn't redraw in this incident either. I have been also paying extra principal more than the above fund, in short, each month. Why XXXX didn't accept that? 

I then settled and paid XXXX and XXXX full mortgage amount in XXXX 2020. XXXX still filed the late-payment reports to four credit bureaus at a later time without notifying me. 

I am working with Citi Bank regional director XXXX XXXX since XXXX 2020 but getting no result even she agreed to help out!

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 2019-01-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collector said I owed a debt from XX/XX/2013 that does not ring a bell. I said sorry I can't pay. Im Not working and having financial problems. They keep harassing family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NY
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an existing complaint under ID XXXX. I took another look at my TD Bank Statements & deposit receipts & discovered my account is short {$380.00}. I couldnt see how to submit additional information supporting my complaint from your portal. So Im submitting another complaint to get the additional information to you that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently requested a copy of my credit report and when I was looking it over I noticed several inquiries on there that I have no knowledge of and did not authorize. I have tried to dispute this with XXXX, Equifax, and XXXX. The letters I received back from them stated that they would remain on my report for 2 years. I even filed a report with the Federal Trade Commission because I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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.

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 2022-12-17
Company: American Credit Acceptance, LLC
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:
I submitted complaint number XXXX in XX/XX/2022. And somehow It was marked a duplicate. The complaint sent to the CFPB on that day is certainly not a duplicate. 
In regards to the complaint I submitted to the CFPB portal, I mailed an affidavit to this company and made it clear to them that I was exercising my my right to opt out. Section 1016.7 Form of opt out notice to consumers ; In regards to section ( iii ) of that law, Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
The affidavit was certified mailed to the financial information and according to my certified receipt, it was delivered on the the XXXX of XXXX. As of today, American Credit acceptance has not yet honor their legal obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
1st, as I told you people earlier this month, I finally PAID OFF ALL CREDITORS!!!! Now these conniving derelicts at XXXX XXXX seem to be to stupid to obey federal laws and report this these derelicts harassed me forever with with some malignant law firm here in XXXX, NO excuse now, to continue being opprobrious, NONE of my credit reports reflect these derelicts have been paid off for there lousy generic made furniture at XXXX XXXX, junk pressed wood they purposely deceived and over-charged me for there junk product!!!

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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.

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 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For the pass, several mouths I was receiving a debt for my same first name, but a different last name, so I threw them away. I then had someone come to my door and deliver an open letter stating that Midland credit was suing that name. I had already checked my credit report before, but I check it again. This time the debt was showing up on my credit report. I contacted them and said that I would have to file a police report, which I did. The letter that they sent out to me said that the account was opened in XX/XX/XXXX, and that Midland purchased debt on XX/XX/XXXX. I was divorced from my first husband in XXXX, with the name that was on the debt. But I legally change it back to my maiden name. A few years back, which could have been in XXXX, I had noticed a CC on my credit report that was opened and was not my card. I reach out to the company, and they said that they would close the account. They said that the people that opened it were out of XXXX. All they did was close it, and it was taken off my report. I feel like this might be the same card. I did not open this Credit Card. Somebody used my SS # to open an account in my old last name. This is fraud against me and my SS #. I have my divorce papers, and my marriage certificates to prove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: CA
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 customer service

Complaint:
This is a follow up to my previous complaint. The company Citibank changed us to Estatements. We don't do estatements and we would never knowingly sign up for them. When the company sends out the acknowledgment they send it out on email. Given that we didn't sign up for estatements and it would end up in our junk email which we never check, we would not have been aware of this. 

When we missed a payment the bank did not reach out to us by phone until it ws 30 days past due. That allows the damage to our credit history to occur. The bank had our phone number, had permission to leave a message and just never bothered to do their due diligence and, as a result, they damaged my reputation causing my credit rating to go from near XXXX  to XXXX. This resulted in other credit card companies reducing our credit. We are being punished for the incompetence of the company to reach out to their customers. 

We have had a stellar history with Citi and been customers since XXXX WHY they could not be bothered to reachout until after ( and to have the customer service rep tell us it would NOT be reported on our credit history knowing that it was 30 days past due ) is inexcusable. There need to be consequences for damaging the reputation of customers particularly long term customers who DO NOT use estatements have never have. 



This has recked a carefully cultivated credit history, damaged MY reputation and Citi is not held accountable for it. I will be cancelling my card once this is resolved, contacting a lawyer for a class action lawsuit against Citi and Costco ( who does business with this Citicard ) unless this is reversed immediately within our favor. It is irresponsible and an example of a company having too much power. I have attached previous attachment on the two previous complaints. I should also note that we received a statement a full two weeks AFTER they had already reported it to the credit agencies. I don't buy the " we can't control the mail '' XXXX because this clearly was mailed a week ago. This should have occurred BEFORE it was ever reported and they should have reached out by phone ( I will gladly provide my phone records proving they did not before it was over 30 days past due ) prior to that. 

I have called them, written to the office of the President, the CFO, their general counsel as well.

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