BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
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 status incorrect

Complaint:
To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXX.This account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by XXXX Credit Reporting service on XX/XX/XXXX XXXXof this 30-day delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX ) your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely 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 2022-07-08
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized / Fraudulent Inquiries : 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 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX XXXX my husband tax refund was deposited into my account, days later Bank of America closed my account. I have been calling to have the funds released to my husband but I was constantly told that I have to call back for an update. It is XX/XX/XXXX XXXX the supervisor of the closure department told me that there was no way to get in contact with the back department handling this issue and she also informed me that she could not request an update and there is no way to contact that department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
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:
I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by TransUnion. Specifically, TransUnion is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to XXXX XXXX  Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.

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 2023-02-22
Company: Self Financial Inc.
State: MI
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:
TO whom it may concern, Self Financial Inc is breaking the LAW reporting inaccurate information on my consumer report without my consent. Self Financial Inc, never clearly and conspicuously explained to me certain disclosures in the agreement which I could understand. Now they are reporting false information. Since this was a consumer credit transaction governed by truth and lending act late payments are not supposed to be reported pursuant 15usc1666b. Simply update this billing error and correct these late payments or remove this inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XX/XX/22 I reported a fraudulent charge on my credit card to Barclays. Barclays issued a provisional credit and a new card was issued on XX/XX/22. On XX/XX/22 the credit card company sent a letter indicating that the charge was investigated and was deemed fraudulent. On XX/XX/22 the credit card company informed their investigation was complete and the charge was not fraudulent. The provisional credit was reversed. The charge was reported to the merchant as fraudulent and my online account was closed to avoid any future unauthorized purchases. Per regulation Z I should not be held responsible for fraudulent charges on my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I posted a dining table for sale on XXXX, XXXX XXXX. I was contacted via email and asked to text reply. There were 2 phone numbers from which I received/sent texts : ( XXXX ) XXXX and ( XXXX ) XXXX. The person bought the table and paid with a cashier 's check. I deposited it to my USAA bank account as listed above, and waited 24 hours, although my bank said the money was available immediately. The person wrote the check for {$1600.00} in excess of the cost of the table and asked me to pay movers to send it. They asked me to send money to the movers via XXXX. I had never used XXXX. I sent {$1000.00} via XXXX XXXX through my bank, USAA ) on XX/XX/21 to XXXX ( my account was limited to $ XXXX ) and then I sent {$600.00} via XXXX on XX/XX/21 to XXXX, for a total of {$1600.00}. I then noticed that the cashier 's check had bounced. I contacted my bank and was told that the cashier 's check was counterfeit. I did not know such a thing was possible. My bank ( USAA ) said they would inform XXXX and the recipient 's bank. About 10 days later USAA said the recipient 's bank declined to return my funds. I got a letter stating that the recipient 's bank account was frozen, and that per XXXX policy I need to work it out myself with the recipient. This is not possible with a criminal. I called my bank back and pointed out that XXXX policy forbids use of the service for illegal activities including fraud or scam, but my bank declined to take further action. I requested a copy of the info provided to XXXX and the recipients bank, so that I could be sure that they were informed of the fraud, but USAA never provided it. I also contacted XXXX, and XXXX had no information that USAA had ever tried to contact them, which is suspicious. I have not received a refund of my defrauded {$1600.00}, although I filed a complaint with my bank and I asked to speak with a XXXX. I called them 3 times. I have the scammer 's name, email, phone numbers, and counterfeit check, as well as the XXXX and USA transaction numbers, and the report of the frozen bank account of the recipient. I am hoping someone can help to refund my money. It is disturbing that there is NO policing of the XXXX wire transfer service by banks or XXXX. I have been a USAA member for 28 years.

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: NJ
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 the beginning of XXXX, I reached out to equifax via telephone about accounts thats are reporting on my credit that i wanted taken off. I explained to Equifax that the accounts in my consumer reports i did not give any written or verbal consent to be displayed. I explained to them that it was against my right to privacy to display these items without getting permission from me the consumer first. The company sent me a list of all the accounts being displayed on my consumer report but still refused to take them off after i explained this is hurting my reputation and preventing me from using my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, 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:
Transunion has misinformation about half of all my credit cards. looks like theyve gotten mixed up with which credit cards are which. ive asked to increase my credit limits on some cards and because Transunion has the wrong info on my credit report i dont get the increases as i should.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, XXXX, and Experian have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. I have already contacted the bank and they agreed to delete this account from my report but the Transunion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Please REMOVE this account ASAP : XXXX XXXXXXXX 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 2022-01-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am filing because I believe that I am very close to or have reached my 120 qualifying payments to get public loan forgiveness. I submitted my employment certification form to Fedloan Servicing at the end of XX/XX/XXXX but have still not seen them update my count with this form as well as applying what benefits I should be getting because of the PSLF waiver the Dept. of Education implemented in early XXXX. I am not 100 % sure if this is more of a delay with Fedloan or more of a delay with Dept. of Education, but I '' M desperate to see that this will be updated especially because this waiver is supposedly only in place until XXXX of XXXX. Any help on getting this addressed or moving more quickly would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
I was previously enrolled in a XXXX XXXX XXXX ( XXXX  ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX that my services were withdrawn. Synchrony bank ( Wal-Mart, PayPal, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my Synchrony Bank Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and Synchrony bank without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. Synchrony Bank is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.

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 2023-11-21
Company: MECHANICS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX  my card information was leaked and i had about {$2600.00} taken out and all the items were purchased in my city and at places ive never shopped at before so i decided to make a dispute and after about 2 weeks i got a letter saying there was no error and that i authorized the transactions so they denied my dispute and i have no idea what to do thats not a just a little bit of money to lose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am on a repayment plan agreement and the company ( XXXXNewrez mortgage XXXX ) continues to report my account as negative to the credit bureau even though I have complied with the terms. When the company offered me the repayment plan after coming off of a special program that I qualified for due to XXXX, they reported my credit as 120 days late even though I complied with the terms and is continuing to report my credit as 30 days late each month even though I continue to comply with the terms of the signed agreement. This deceptive practice was not explained to me before I entered this agreement. Why would you say that youre trying to help me when youre trying to ruin me at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX  XXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by XXXX on XX/XX/2023. I supposed to purchase a chihuahua puppy but I didn't receive a puppy. I paid {$820.00} to XXXX XXXX ( XXXX ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - I LOVE XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of XXXX Scams at the websites. Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX Co. I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. I hope that you can help me to arrest the scammers and help the victims of 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 2020-10-02
Company: LendingPoint Holdings LLC
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation