BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2021-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an account that went into a derogatory status after being honorably discharged from the US Navy. I had fallen upon hard times and could not afford the payments at the time. It did take me a while, but I have recently settled this debt with the debt collection agency, whom goes by the name of XXXX. After settling this debt on XX/XX/XXXX, I called Experian to explain my situation and that I wanted this information updated on my credit report. Each time I called, The agents were very rude and impolite, I was even hung up on by one of the agents. They insisted on not updating any information and that they would be filing a dispute before the account was updated. On XX/XX/XXXX, I uploaded an image from the debt collection agency the account was settled with, showing a fax I received stating that the account should reflect " settled/paid in full ''. On XX/XX/XXXX the Experian dispute results were in, and they stated that the information that they had on the account was correct, I settled the account for {$2600.00}. After settling an account, the balance is to reflect {$0.00}. Experian only updated the account as if I were only making payments, bringing the {$8800.00} balance down to {$6200.00}. This reporting is incorrect due to the fact this account has been settled, I did not start a payment plan with the company ( which is a statement that Experian later added to the notes section of the reporting as well ) I also have a recording of a conversation with XXXX XXXX XXXX XXXX, which is the original creditor, stating that this balance is to reflex {$0.00}. This account reflecting this high balance is severely hurting my revolving credit, which is keeping me from buying a home for my wife and children. I do not believe I have been treated fairly by Experian as a consumer and assistance is needed to make this situation right.

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 2023-09-02
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/. I applied to extend my credit in good faith and was denied under due to hearsay.

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 2023-09-13
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
on the XXXX day of XX/XX/XXXX, I mailed a copy of the following : notice of rescission and billing error, affidavit of truth, billing notice, transcript of payments. Notarized by public notary and mailed certified via XXXX requested by phone XX/XX/XXXX directly with manager at Byrider finance LLC : explanation of amount owed, vehicle service contract, copy of promissory note, lien, power of attorney with signatures of all parties involved. The manager stated that she could not provide or explain any information pertaining to my account and admitted that the company is the process of selling my information to another 3rd party after tax right off ( charge off ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a wells fargo credit card on XX/XX/XXXX in the branch and I was immediatly approved for a business card. I planned on making two very large purchases this week for XXXX and XXXX respectively on the card so that I could get their sign up offer of XXXX $ rebate afyer spending XXXX. 

Wells fargo shipped the credit card to my old address on file rather than the address I gave them during my application. They actually sent my debit card to the correct address they just mailed all of the credit card stuff to the wrong address. 

What makes this even more frustrating is that they also activated the card for me somehow without it being in my posession. So the 90 day clock to spend XXXX has already started ticking since the card has been activated without me even putting my hands on it. 

This is negligent. I only gave them one address when I applied for the card, and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. They sent the debit card to this address, then sent everything else tl 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 2023-09-18
Company: Accudata Credit Systems LLC
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was reviewing my credit report and noticed a debt collector reporting an unauthorized collections on my credit report. 

I sent them a certified letter asking them to verify the item because the information listed on my credit report is inaccurate. This inaccuracy in inhibiting my right to have accurate information reporting to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
On spring break I travel to the florida on XX/XX/XXXX XXXX XX/XX/XXXX of 2023 my card was lost. And saw this transactions charge in my card of XXXX dollars and more transactions that I did not did it, my internet connection was terrible over there, and I called on XX/XX/XXXX to report to the td bank credit card and they say ok they will continue a investigations and it pass so many months just to tell me, there is no enough evidence to help me. I am so concern about this transaction and would like more help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have landed into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2016, I took out a loan of {$2100.00} From XXXX. At the time, I was not made aware of the interest rate, which is 64 %. Three months later, I entered into credit counseling, which included this account. They accepted the agreement, as evidenced by the attachment showing them accepting the payments as other. However, they are not adhering to the credit counseling agreement. They say that I still have a balance of over {$2000.00}, after paying {$2700.00} so far.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
CFPB, XXXX XXXX, Experian and XXXX I am sending you this notice to formally let you know I'm not paying you a XXXX dime! I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX XXXXXXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. XXXX barely responds and Experian spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXX dime from me.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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:
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 a 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 2023-01-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Nissan Motor Acceptance Corporation ( XXXX ), has wrongfully repossessed my vehicle and kept my personal property in the repossessed vehicle in which I never got back ; These actions violated my consumer rights pursuant to the Consumer Financial Protection Acts prohibition against unfair and deceptive acts and practices. After doing some research here in the cfpb website I read that the consent order required XXXX to provide up to {$1.00} million  of cash redress to consumers subject to a wrongful repossession, credit any outstanding account charges associated with a wrongful repossession, and to pay a civil money penalty of {$4.00} million. It also imposes certain requirements to prevent future violations and remediate consumers whose vehicles are wrongfully repossessed going forward. I was never provided remediation for the violations against me by Nissan Motor Acceptance XXXX XXXX ). XXXX has also defamed my character whilst furnishing improper and inaccurate information to consumer reporting agency they currently have the alleged debt on my consumer report as a charge off I never received any of the proper paperwork they were to submit to me including the pre sale letter nor a 1099-c cancelation of debt which is according to the internal revenue service is supposed to be classified as income for the consumer in which income does not belong on the consumer report. They refuse to meet remedy as well as remove the inaccurate information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been trying to have a rollover check return to XXXX  or XXXX  to complete the rollover I have sent documentation that this is a disbursement for a XXXX rollover. XXXX has given me all that they could to get the funds return. the check has been cash and put into an account according to chase bank. I don't know what to do to get those funds back and XXXX has been more than helpful. I just need help to have my funds release to complete rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, this account must be validated Please help me with verifying the account in order for this matter to be resolved promptly. 




































Here is the account that needed verification : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Received a text alert from Transunion that XXXX XXXX  received a copy of my credit report which created a hard inquiry on my credit file. When I called to report that this was FRAUDULENT, they refused to assist. I have to send them a letter proving I didn't authorize the inquiry, XXXX XXXX  acknowledges the inquiry but has also refused to assist based on the application being denied. 

The company that accessed my credit report will not send anything to me in writing and has remained silent on this request. Transunion has refused to help even after I contacted the company that did this. 

I have sent 4 letters in the last month to help rectify this issue, and then last night on XX/XX/XXXX  XXXX XXXX  accessed my credit profile again in less than a month. That twice since XX/XX/. 

Transunion refuses to help.

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a 12 month promotional rate on my credit card at 0 % interest which expired on XX/XX/XXXX in the amount of {$2600.00} as of the XX/XX/XXXX statement ( attached ). 
In addition to this, I also have a balance transfer on the card at a rate of 1.99 % that does not expire until XX/XX/XXXX in the amount of {$3700.00} as of XX/XX/XXXX statement ( attached ). 

I waited until the day AFTER the first promotional balance expired ; and on XX/XX/XXXX I called Bank of America at XXXX at XXXX XXXX the call lasted 4 minutes ( screenshot attached ). The female representative I spoke with assured me that if I made a payment that day it would be applied towards the higher APR balance that just expired the day before on XX/XX/XXXX. She even said " you might get charged a couple of day 's interest as it will take a day or two to post to your account. '' I said fine as long as it covers my expired balance. She assured me, yes. 

I proceeded to make a payment in the amount of {$2600.00} that same day on XXXX/XXXX/XXXX ( statement attached shows this ). 

Much to my surprise, on XX/XX/XXXX my statement shows that I was charged {$57.00} in interest on that expired balance and still shows an outstanding balance of {$2500.00} that is accruing at a rate of 27.74 %! This is incorrect. The payment I made on XX/XX/XXXX should have covered that high APR balance. It clearly shows that the payment I made actually went towards the lower APR that doesn't expire until XX/XX/XXXX which is NOT what the statement indicates regarding payment allocation. 

Per the fine print on the credit card statement ( snippet also attached ). It very specifically says : " If your account has balances with different APR 's, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in EXCESS of your Total Minimum Payment Due will be applied to balances with HIGHER APR 's before balances with lower APR 's ''. 

This did not happen. 

I again called Bank of America at XXXX on XX/XX/XXXX at XXXX XXXX ( screenshot attached ). I spoke with XXXX in XXXX, IL, the call lasted 39 minutes. I advised him of my issue and he investigated. He said I did everything I was supposed to do but the system misapplied my payment! He said he would escalate this issue and a manager would call me within 48 business hours. That never happened.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX points were deducted from my credit score once again by Transunion and XXXX in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.

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