BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

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 2023-09-04
Company: EQUIFAX, INC.
State: RI
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 XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Brought some items from offline from a store call XXXX XXXX never received the product nor is they trying to refund the amount was {$35.00} I transferred {$36.00} to anther card on XX/XX/XXXX cause it wouldnt accept my regular card so the purchase went through on that day the company said its being shipped but its not I checked for a tracking number from where I live an they couldnt provide me with one the postal couldnt track with the number they provided me with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, at approximately XXXX XXXX. I went to the Bank of America ATM machine located at XXXX XXXX and XXXX. I requested for {$800.00}. To be dispensed from my checking account. You could hear the machine counting up the money and ready to dispense. About what seemed like XXXX - XXXX XXXX, the machine malfunctioned and a display screen came up saying that your request could not be completed and the money would be credited back to your account immediately. Now here we are on XX/XX/XXXX many phone calls later to the bank and still waiting for the funds to be credited back to the account.

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 2023-08-02
Company: EQUIFAX, INC.
State: LA
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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair '' credit Reporting act, CAPITAL ONE, account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-08-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/23, submitted small business application for sole proprietorship in response to advertisement of {$1000.00} bonus if certain conditions were met. Despite repeated attempts to inquire on the status of my application, I have not received a disposition. I am of belief and suspect the slow-walking of the application is tied to the {$10000.00} in credit card funding that was submitted as an opening deposit as this funding option has been removed from the application workflow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made a dispute about this alleged debt Aldous and Associates were trying to collect from me, but this company did not respond within the XXXX days time period to investigate my dispute to resolved my complaint ; Therefore, I demand this company removed this collection off my report or I will sue this company with clear evident I can prove to the court that this company violated my consumer rights under section 809 and 15 usc 1692k ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had an issue with Comenity bank on 2 credit cards I have through them - 1 for Zales, and 1 for Torrid. since XXXX of 2022, no payment made for each month, made on time or before the due date has been reported to XXXX XXXX, XXXX or XXXX. in XXXX I made a XXXX payment to the Zales account, and a close to XXXX payment on Torrid, and paid both balances down to around 20 % of each. payments since then have also failed to be reported. 

I contacted Comenity directly several times, once i was transferred to a phone menu that only allowed me to request a credit report or to end the call - requesting an agent was responded with an unable to do so. I called back and was hung up on. a 3rd call, all the person said she could do was to send me a statement in the mail - when I mentioned that did not solve the issue with the info not being reported, she said she could not see my score - when I requested a supervisor, I was thanked for calling and disconnected. 

currently my wife and I are trying to get a mortgage for our 1st home, and all my my credit scores are severely impacted by Comenity 's lack of providing info to the 3 CB 's, and as such is jeopardizing our ability to purchase a house. they are unwilling to work with me or speak with me to work the details out, and I need help. 

the ironic slap in the face is, I got a letter in the mail from them stating that due to my credit score dropping, they were reducing the credit limit of the zales card to XXXX dollars- which is less than the current balance i paid it down to when the limit was XXXX originally. they have punished me for their own negligence and indifference, and is now going to hurt me again by dripping my credit limit and making it appear i am still over my limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
ON XX/XX/XXXX I contacted customer service to inquire about my bill. I received my bill and it showed the fee that was charged for negotiating one of their offers. The issue I found was that they charged me 24.24 % for this transaction. I wrote a check to myself so that I could pay multiple bills that I had. The check I used was for the promotion that they offered for 1.99 % until XXXX. Offer ID XXXX. The gentleman I spoke to indicated that my letter indicated that the check could not be written to myself. I explained to him that my letter did not indicate that. I offered to fax him a copy of my letter but he said to go to a local branch. A couple of days late r I went to the XXXX XXXX and spoke to XXXX and he called on my behalf. He looked over the paperwork I gave him and could not find anywhere on that letter anything stating what they had told me. I told him that I felt it was deceptive and they made no attempts to appease me in any way. I told them that I was going to return the check and that I would like my fees removed. The offfer that they gave me is not what I wanted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Resurgent Capital Services L.P.
State: TN
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 previously reported this with you all and XXXX updated my report after I filed a complaint saying that the account, LVNV Funding, meets FCRA requirements. Not only have they not validated the debt, they are now inaccurately reporting Date last active. I have never made a payment on this account as I have been trying to get this company to verify the date for years and they have failed to do so and the credit reporting companies XXXX and XXXX has failed to hold them accountable. I have asked the credit bureaus and the collection agency, LVNV Funding, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Professional Debt Mediation, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Professional Debt Mediation for committing identity theft. I have never given Professional Debt Mediation any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Professional Debt Mediation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Professional Debt Mediation can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Professional Debt Mediation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Professional Debt Mediation continues its collection efforts, I will file for litigation for actual damages caused and Professional Debt Mediation will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Professional Debt Mediation is attempting to collect a debt that is not owed by me. I did not lease this apartment nor sign a lease. I was an occupant, not a leasee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CUSTOMERS BANCORP, INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Someone to out a loan under my name on XX/XX/XXXX and was given it without my consent or approval

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 2023-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to the ombudsman department requesting a review of my account. I received a call on XX/XX/2023 wherein the offered me the following : New principal balance : {$370000.00} Interest : 5.994 % Term in years : 23 years I followed up on XX/XX/2023. I received a secured email letter stating the formal offer/modification is forthcoming on XX/XX/2023. 

I followed up again on XX/XX/2023 and received a letter informing me the offer was not approved. 

I have a Motion for Summary Judgment scheduled for XX/XX/2023. I did not retain counsel to represent me because I believed we reached a settlement. If I did not follow up I would not have learned that the formal modification was not coming. 

Now I am not prepared to argue against the Motion for Summary Judgment. This appears to be more misconduct by the lenders. 

Wells Fargo is the lender and XXXX is now the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
my legal full given name is ; XXXX XXXX XXXX, I go by NO other name, the credit reporting agencies will nor delete the wrong names off of my reports.

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 2023-09-04
Company: ALLY FINANCIAL 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 am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution.

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.

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