BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2017-05-12
Company: Experian Information Solutions Inc.
State: LA
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 would like to submit a complaint regarding Experian. It has been well over 30 days and Experian never investigated and did not send me results of the accounts and inaccurate information I disputed on my Experian credit report. I mailed a written dispute to Experian on or about  XXXX / XXXX /  XXXX  . I disputed several inaccurate, erroneous and unknown accounts reporting on my Experian credit report/file and requested an investigation by Experian. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX , Louisiana  XXXX   XXXX  #  XXXX , Standard Mortgage #  XXXX ,   XXXX   XXXX   #  XXXX , Louisiana  XXXX  #  XXXX  and  XXXX   XXXX  #  XXXX . Experian did respond in thirty days too all of the accounts I disputed It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  thirty  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Experian has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Experian aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.

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 2020-12-07
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received my credit report and it showed an account for COMENITY/XX/XX/XXXX I did not open or use this account. I did not live at the address that this account was opened at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-01
Company: Lockhart, Morris & Montgomery Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX, I attended the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This seemed like an acceptable arrangement to me. 

However, XXXX terminated my employment for unknown reasons on XX/XX/XXXX, by email. Within minutes of receiving the termination notice, I contacted XXXX XXXXXXXX the driver manager that sent the notice, and asked for the reason for the termination. He never replied. There also was no response from XXXX human resources as to the reason of the termination. 

In the first week of XX/XX/XXXX, XXXX contacted me twice by phone to request I reimburse the company nearly {$6000.00} for training. I asked the first XXXX representative, who identified herself as XXXX, to stop calling me and send the demand for reimbursement in writing as I would respond in writing that I didn't feel I owed the debt. No written demands were received at this time from XXXX. 

The next caller a few days ago identified herself as being from XXXX XXXX in XXXXXXXX XXXX. I informed her that I had already told XXXX that I wanted the demand in writing and not to call. This representative informed me that she could call me because she was from another division of XXXX. Obviously, I don't agree with her assessment of the situation. At any rate, I again informed her to stop telephoning me and send me a demand in writing as I didn't feel I owed nearly {$6000.00} for training. 

A week later, this same person from XXXX XXXX called again. I informed her that a registered letter was sent to the Vice President and General Counsel of XXXX relating my position, objecting to the debt, objecting to any negative report to credit reporting agencies, and demanding XXXX and its agents stop calling, only contacting me in writing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying I owed a debt of nearly {$6000.00} for XXXX XXXX XXXX. I responded with a letter providing the reasons for why I didn't feel I owed the debt and objecting to any negative report to credit reporting agencies. 

On XX/XX/XXXX, I received a letter from Lockhart , Morris & Montgomery, a collections agency in XXXXXXXX XXXX again demanding payment for the debt. On XX/XX/XXXX, it appears Lockhart , Morris & Montgomery have reported this debt to credit reporting agencies, resulting in a reduction of my credit score by XXXX, in violation of the Fair Debt Collections Practices Act. 

I feel XXXX XXXX XXXX and Lockhart , Morris & Montgomery are simply engaging in a systematic campaign of harassment in violation of the Fair Debt Collections and Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of Americas check hold policy/risk department literally put me and my fiance in harms way being out at sea without the insurance we tried to purchase before the trip. We sold our home in XXXX California and drove across country to pursue our dream of living on a boat and travelling. We had a credit union in California but needed to open an account that would hopefully allow us easier access to our funds. On XX/XX/XXXX I went into the XXXX, Florida branch to deposit the funds from my credit union in California. I spent over an hour with a branch manager to make sure that I understood their Hold Notice ( see attached ). They give you {$200.00} upfront and then Hold code A was supposed to be released allowing me access to {$4800.00} and then hold D was to be released on XX/XX/XXXX for the remaining balance of {$15000.00}. Neither of those dates were honored even though I have the Notice of Hold outlining the dates and amounts. ( see attachments ) I was not notified by phone, e-mail, or text that they were not honoring the hold notice. I was informed at the grocery store by the cashier that my card did not go through. Upon my effort to find out why, I was informed that they did not release the {$4800.00} and that the {$15000.00} was going to be held until XX/XX/XXXX. The risk department wanted to place the burden of proof on me that the check had actually cleared. Now, that I dont have internet access what they want me to produce is not possible. They blamed my credit union saying that would not verify the check had cleared. The credit union offered to do a three way call with them to validate that the check cleared. That was not possible because the risk department much like the XXXX XXXX XXXX never speaks to the customer. I was able to supply them with the front and back of the check but that did not suffice. Apparently it takes 24 hours to escalate within the risk department so now we have lost yet another day. I spent three full days trying to resolve this to no avail. All I received was lobotomy type responses from all of their terrified employees to go off script and try and help. We did run into trouble and did need to get towed to the tune of {$1300.00} ( see attached receipt ). BofAs draconian, arbitrary, greedy hold policies turned what was supposed to be a beautiful trip into a XXXX nightmare. This has to be a violation since I have the hold notice that was not honored and through no fault of my own. The cash was not actually in my account until XX/XX/XXXX @ XXXX XXXX in the morning.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
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 have unauthorized credit inquiries on my account. they are below. 
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 2017-05-12
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I signed a new car lease for a   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  in  XXXX , New Jersey through  GM Financial.  I was promised that my vehicle would contain standard features ( including an illuminated shifter console ) in addition to other add-on features for the LT model. When I received the vehicle after signing the lease, I discovered that the " standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle.  XXXX   XXXX  and  XXXX  GM  have refused to repair or replace the vehicle to provide me with the features I was promised pursuant to the lease agreement. I have made multiple attempts to resolve the issue and even though  XXXX   XXXX  and  XXXX  GM  acknowledge that this " standard equipment '' was accidentally left out of my   XXXX    XXXX   XXXX   XXXX , they have refused to resolve the issue in any way.  I  continue to pay the lease amount under protest, trying to work toward a resolution where the contract I signed is honored and what I was promised is delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Since XX/XX/2021 I have been disputing a XXXX XXXX  account that has been appearing on my TransUnion credit report but received a response that it was verified by discover bank. I again disputed the XXXX XXXX  entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX  disputing the information on my transUnion credit report never receiving a response, even though I have pointed out to TransUnion all the inaccuracies on my credit report they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit and high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX  I will also provide my most recent credit report High lighting the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After taking out an installment loan through Tower Loan company I started a new job and have been struggling with payments waiting on my first paycheck. The creditor has began harassing myself as well as family members. The creditor has also discussed personal account information with references on the loan without my permission.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit 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 2023-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened the account through a promotion in XX/XX/2023 that promised to award XXXX dollars signup bonus and XXXX more for deposits. I satisfied all requirements within 2 months, and haven't received the bonus. The one deposit checking account pages stipulates no minimum balance requirement so I assumed I do not need to keep any specific balance. The bank agent said the bonus will be awarded before XX/XX/2023 yet I never received it and my account was closed recently without any notification or warning while I am still using it to receive money. I was put on hold for more than 1 hour by multiple phone agents without any resolution and my bonus now can not be awarded due to a closed account. One agent said this might be caused by my balance being XXXX for a while before he put me on hold indefinitely again. All requirements were satisfied before the bank closed my account and the bank advertised no minimum balance requirement right under the open account button on their checking account home page XXXX XXXX XXXX. This seems like a scam to stretch signup bonus payment to more than 4 months and close the customer 's account right before the customer gets the signup bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: SC
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  account # XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and 15 USC 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

15 U.S.C. 1692 designed to eliminate abusive, deceptive, and unfair debt collection practices. In addition, the federal law ( 15 U.S.C. 1692 et seq. ) protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers from abuses in debt collection.

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 2023-04-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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