BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-05
Company: CITIBANK, N.A.
State: MD
Product: Credit 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:
General issue : Credit card company determined a large charge was fraud but did not remove the charge from my balance. 

This is in regards to a Best Buy Citi Platinum Visa. On XX/XX/2023 I received a fraud warning that originated ( I believe ) with the card issuer 's Consumer Protection Dept. about potential fraudulent charges on my card. I confirmed I did not authorize the charges and had no knowledge about them. They terminated my card and sent me a new one while investigating {$720.00} in charges from XXXX XXXX and XXXX at a hotel in XXXX XXXX, XXXX, while I was in another state. 

On XXXX, XXXX, I received a letter from " Security Operations '' delivered to my Best Buy Visa account that says " We recently spoke to you about suspicious activity that was attempted on your My Best Buy Visa Platinum. We have good news! After completing our investigation, the attempted authorization ( s ) have been determined not to be yours and have been declined. None of these charge ( s ) have posted to your account. '' I then activated the new card they sent me. 

On XXXX XXXX, I checked the card balance and the {$720.00} in fraudulent charges were posted to the account as due by XXXX XXXX. I called the customer service number and they were unable to explain the discrepancy and, after a long interval, transferred me to the Security Operations Department. I spoke with " XXXX '' who gave me an employee number of XXXX ( she would not tell me her full name ), and described the Security Operations as a " middleman '' working on my behalf to address my concerns. She said it was now necessary to launch an entirely new investigation that will take 90 days -- despite the fact that the Security Operations Department had already completed the first investigation and determined the charges to be fraudulent. I asked her repeatedly what had gone wrong and she would not respond with an answer. 

The first investigation has already determined these charges to be fraud within XXXX  days. Why is their procedure to launch a lengthy repeat investigation when they have already determined this to be fraud? In the meantime, the charges remain on my 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 2018-05-07
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
Transunion credit report shows several errors that should be clear to the customer service representative however they will not correct 1 ) XXXX account # XXXX shows paid in full XXXX balance which is correct however transunion also has monthly payment as XXXX when the account has a XXXX balance the monthly payment should now report as XXXX 2 ) XXXX   accounut shows a account balance of {$5.00} but a monthly payment of {$30.00} how can this be correct 3 ) XXXX XXXX XXXX account XXXX account shows last update as XX/XX/2018 however the account has paid in full and has a XXXX balance

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 2023-10-05
Company: WELLS FARGO & COMPANY
State: CT
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 have a Wells Fargo account and There was a claim submitted to dispute a charge of {$130.00} from XXXX, The bank gave me a provisional credit and later reversed the {$130.00} credit putting my account in the negative. Upon calling the bank several times to inquire about why the provisional credit, I was told that It was reversed because A letter was sent to me requesting additional information about the claim, however I never received the letter and I communicated with them. I was told that the claim would be reopened and a manger would review the new information and make a decision in 10 business days. I have called the bank 's claim department over 5 times to follow up on the status of the reversed claim. I communicated that as a customer it is not fair that I am being penalized for something I had no control over, mail gets lost everyday and because I didn't get the letter the claim was closed with no resolve. Each time I called the bank there was a different story given and different rules, finally I was told that managers are not available to review claims and the decision is final, which is a contradiction of what I was initially told. Something needs to be done because how many other customers have experienced this. Any assistance given will be extremely helpful in 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 explanation
Consumer complaint received 2023-06-26
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This was a wire transfer deposit initiated on XX/XX/2023, ( Bank of New York Mellon ) which has not been deposited into my bank account ( XXXX XXXX  ). It has been a month and this is too long. 

I called my bank to trace the transaction and they can not since, it is coming through another bank ( Mellon ) for the wire transfer, since this is an international transfer. I tried contacting Mellon Bank and they would not communicate with me since I do not have a direct account with them. 

It is obvious that the Mellon bank that the wire transfer is coming through is negligent and abusing their rights on holding my funds too long. They need to release my funds to my bank account as soon as possible. This has caused me a terrible hardship and a poor credit rating. 

This could also be considered Elder Abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: PA
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 XXXX # 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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a dispute to have two collections removed from credit report. One is XXXX XXXX ] and XXXX XXXX XXXX. 
Transunion ID # for dispute. [ XXXX The estimated date to resolve this issue was XX/XX/XXXX. 
These collections were removed and then put back on credit report. I would like to purchase a home and would like to have these removed from credit report. Having these listed on credit report is affecting my score for no reason.

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 2023-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX I had full insurance and I also had gab insurance and there still trying to say that I owe almost XXXX dollars on the car when I paid XXXX dollars a few days after the accident to bring my account in the good and there trying to say that the gab insurance that I was being charged for didn't cover the rest even though nobody was at fault for the accident

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 2023-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing to formally file a complaint against Portfolio Recovery for their erroneous and, in my view, malicious handling of an account originally held with XXXX. I believe the conduct of Portfolio Recovery not only tarnished my reputation but also violated the guidance and directives given by the Consumer Financial Protection Bureau ( CFPB ) to debt sellers and collectors. 

To provide a comprehensive context : Timeline & Details of Debt Sale : In XXXX, the CFPB directed XXXX to cease selling debt that it could not validate and to ensure that the debt it sells is documented accurately. Subsequently, in XXXX, a debt amounting to $ XXXXwhich does not align with my recordswas sold to Portfolio Recovery. I was made aware of it by a phone call from one of their reps in XX/XX/XXXX. 

I promptly requested debt validation. In response, I was merely provided with a letter stating the amount owed and two ambiguous statements without any transaction history. This does not constitute adequate validation. Additionally, Instead of properly addressing my concerns, Portfolio Recovery simply annotated " consumer disagrees '' on my credit file. 

Now comes the litigation without notification. I'm currently seeking a change in employment and found out as I was searching my online reputation that without providing prior notification to me, Portfolio Recovery filed a lawsuit in the XXXX XXXX, NJ courts on XX/XX/XXXX. I have the docket number and it was initiated by their lawyer XXXX XXXX. I was never formally served for this lawsuit. 
The records indicate that the courts reached out to Portfolio Recovery nearly a year later due to inaction on their part. In response, they filed a dismissal without prejudice. Not only should that lawsuit never have been filed and become part of my public record, but when they dropped it they should have dropped with WITH prejudice, given they clearly lack any evidence to ever follow through, and not without prejudice. 

Based on what I've read in consumer rights, this is a violation of CFPB directives. The behavior of Portfolio Recovery mirrors the scenario highlighted in a recent reprimand earlier this year where they were found to be initiating lawsuits without producing required documents and without appropriate follow-through. Consequently, this record is publicly accessible and adversely affects my personal and professional reputation. So, now, not only is my credit record stained by this, now anytime someone googles me or does a reputation search for me it shows up and is tainted as well. 

In closing, I hope the CFPB can take action to address this significant oversight by Portfolio Recovery. 

Thank you for your time and attention to this pressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 BANK XXXX XXXX 15 U.S.C 1681 Section A. States I have the right to privacy. 

15 U.S.C 1681 Section 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 cost 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 2019-03-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from this company notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Their action brought my account now to within a maxed-out range. I spoke to one of their managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX   XXXX. Upon checking my credit report with XXXX  I did not find anything negative. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of XXXX bank 's action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have been a customer of XXXX bank since XXXX. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been lowered by XXXX points. I respectfully ask your office to investigate this matter fully. 

E-Mail from XXXX bank >Your revolving credit limit has recently been revised From : XXXX   XXXX To : Date : Wed, XX/XX/XXXX XXXX XXXX Security Zone : Dear XXXX XXXX : There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$4700.00}. This decision was based on the information obtained from a consumer reporting agency. Specifically, your credit report indicates a substantial number of debts owed to other creditors. Your current account balance is {$4500.00} We're online Please visit XXXX XXXX to view your current account information. If you've enrolled in Electronic Communications, please check the XXXX XXXX for more information. Otherwise, a letter has been mailed to you and should be received within the next 7-10 days. This is the most up to date information available to our credit specialists. If you believe your credit limit has been reduced due to inaccurate information on your credit bureau report, and such inaccurate information has been corrected on your report, please visit XXXX XXXX within the next 60 days to see if you qualify for a credit limit increase. 
Sincerely, 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 2021-12-05
Company: Synovus Bank
State: MD
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 am distressed that you have included FIRST PROGRESS CARD information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/23 I paid off my car loan with XXXX XXXX, the paperwork I got back from XXXX shows my account paid in full. All three of the major credit bureau show the account closed, which is not accurate. XXXX did not report my account correctly.

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 2021-12-22
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: Account status incorrect

Complaint:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

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 2019-05-07
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : MOUNTAIN LAND COLLECTION # : XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX ( XXXX ) XXXX-XXXX This is the debt information : Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1400.00} DateUpdated:XX/XX/2019 Original Amount : {$1300.00} Original Creditor : XXXX-XXXX XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< BOTTOM LINE THIS DEBT IS NOT MINE THE COMPANY IS COMMITTING FRAUD, I NEVER INCURRED THIS DEBT~~~~~~ this debt is not mine, it belongs to my son who has a completely different social security number than I, however it was reported on my credit!!!!! At NO time did I agree to pay, sign or enter into an agreement to pay this company. The only thing I did was allow my son to use my debit card ( bank ) to make a payment to them. Then he turned around and paid me cash. How dare they use my information to apply this debt to MY CREDIT!!! My son played no part in this fraud they are trying to perpetrate! He called in with my debit card to make a payment. In no way did I agree to take responsibility for this debt, and my son called them to make payment arrangements with them. 
This is NOT my debt!!!!! 
I am mad as XXXX, bc it is damaging my credit rating!!!!!!!!!!! 
I disputed this with XXXX, they said that the account was verified as accurate, the only way that would be true is if the company lied and said the debt was mine and not my sons!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have 4 accounts from appearing on my Equifax Credit Report that are reporting incorrectly. The accounts were deleted from my report initially upon filing a dispute, but the 4 tradelines have been reinserted without proper notice from the creditor or the bureau that is legally required. This is a clear FCRA violation of section 611 ( a ) ( 5 ) ( B ). I have also requested method of verification from the bureau to which no response was received in the legally allotted 15 day timeline. If this is not resolved, I will pursue litigation. I have confirmation of receipt and copies of all original communications with this bureau.

Company response to consumer: Closed with explanation