BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is still showing late payments on XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-01-16
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Of XX/XX/2020 I paid of my car loan and never got a lien release. XX/XX/XXXX I called truist formally XXXX and XXXX to try to get a lien release from them. I called them every day and a different employee would put in a request saying they would email me I'm two days and mail one in 10-12 business days. I have gotten nothing and called the XXXX to be told the same thing. truist is giving me the run around and has not given me my lien release so I am unable to sell my vehicle.

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 2023-01-16
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was due for XX/XX/XXXX. Unable to make payment online due to account status staying in loss mitigation codes despite account being current. Had to make remaining XXXX payment of {$90.00} on XX/XX/XXXX. Was charged convenience fee of XXXX despite numerous attempts to make payment online and over phone to get fee waived since its illegal to charge processing fees for mortgage payment in XXXX XXXX. XXXX  days later the funds stayed in unnapplied equaling a full payment of {$1300.00}. Status still showing due XX/XX/XXXX online and unable to make payment for XXXX except over the phone. Was forced to pay processing fee which once again is illegal in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX of XXXX  were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXXXXXX XXXX XXXX account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Bread Financial Holdings, Inc.
State: GA
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:
I have a Victoria Secret credit card through Commenity Bank. On XX/XX/XXXX, I received a notification from XXXX that my credit report was pulled from this creditor. Keep in mind, I have multiple credit cards through this bank. I called their customer service department on XXXX to speak with a representative at Commenity bank. At XXXX EST, XXXX proceeded to tell me that her supervisor said because I updated my income, that resulted in an automatic hard pull, which is showing up as a hard inquiry on my credit report. I spoke with a supervisor named XXXX at XXXX AM on that same day who told me that this was true. She told me that I asked for a credit increase on XX/XX/XXXX and this is the reason why the report was pulled on XX/XX/XXXX due to this request on XX/XX/XXXX. I proceeded to tell her that is impossible. As I previously mentioned, I have several commenity Bank credit cards and I have requested credit limit increases in the past which have only ALWAYS resulted in a soft pull. I logged into my Experian account and can see all of the credit limit increases that I have asked for under soft pull inquiries- none of the credit increases I have requested through commenity bank are displayed under the hard pull inquiries list. Several other consumers have noted the same problem that Commenity Bank is pulling customers credits without their consent but have been able to speak with a supervisor and get this hard inquiry removed. Since I was not able to, this is why Im reporting this incident. Keep in mind I also reported this same bank through CFPB ( complaint ID XXXX ) in which they responded and told me they would not be reporting any such thing to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father who served in the XXXX was Deceased on XX/XX/XXXX. I notified Discover XX/XX/XXXX of XXXX that my father had passed. They said they would take care of it when I called their customer service. 
On XX/XX/XXXX I spoke over the phone with attorney XXXX XXXX who filed what was needing in the court system my father had passed and the house was considered a homestead therefore a creditor could not come after the house once transferred into my name. I paid him {$1400.00} to file everything. 
Two weeks later my deceased father received a delinquency notice from Discover. I called Discover and they asked for money from the estate. They where informed there was nothing in the estate. They told me to apply the cash back bonus to the account. 
Several weeks later I received a call, a letter from XXXX XXXX  XXXX. I informed them there is no estate. They said ok that was it. In XX/XX/XXXX/ XX/XX/XXXX I received calls and letters again from XXXX XXXX XXXX. I informed them the estate was insolvent. The rep replied ok. The next time I spoke with a rep they said they would still file a claim ... I told them it was insolvent.. I faxed them the court documents provided by my attorney .... A few days later I received another letter from XXXX XXXX XXXX wanting me to settle on the account. I attempted to contact XXXX XXXX  XXXX during regular business hours but they sent me to a voice mail and I asked them to stop attempting to collect from me. Do not call me again. Now, today I received court papers in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Genesis FS Card Services, Inc.
State: GA
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, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agent 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 2022-07-11
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a business Venmo account that has been locked without notice. When I call to speak with representatives I am given no resolution. When speaking with the supervisor there were no details as to why my business account was frozen and no details as to what I had to do to resolve the frozen account. I have spent a considerable amount of time trying to escalate the matter to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
Bankruptcy Chapter XXXX DOCKET # XXXX This BK was dismissed in XX/XX/XXXX but my credit report shows the discharge status as XX/XX/XXXX. This is preventing me from getting approval on my home home and needs to be corrected or deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In early XXXX I deposited a check for {$200.00} from XXXX XXXX at an ATM in TD Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX The machine kept my card and the check and closed down. I parked and went inside and was told, Weve been having problems with that machine. The young man who took the report was quite polite and competent. He made me a new ATM card, and within a few days the money was in my accountfirst {$.00}, then {$190.00}. 
Routinely checking transactions by phone in XXXX, I learn that TD withdrew {$200.00} from my acct., plus a {$15.00} bounced check fee! Called TD and was told to call XXXX XXXX to see if they received duplicate checks. They did not and said it was a bank error. The bank did waive the {$15.00} fee but I still have not received the {$200.00}. 
I received a letter from TD with a copy of the check and a totally different reverse side Without my signature or acct. #. I have made multiple calls to different help centers of TD, hanging on phone for approximately 40 minutes each time! Was disconnected, the last person said that it was cashed at some other bank!!! Have been with TD over 30 years in XXXX region, and highly recommended them. No more!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: CONTRACT RESOLVE GROUP LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company called and emailed many times. They call our employees, they call our family at work. We are in commuinication with them in writing only and yet they still call extended family and harass them at work even though they have nothing to do with the business debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Remove fraud items.

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 2023-04-13
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: 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 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 3 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-09-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Loan was paid off on XX/XX/2021. Overpayment check of {$35.00} was issued XX/XX/2021. I called to advise creditor that check was accidentally destroyed by my toddler. I was advised to call again after XX/XX/2021, which will be when they will be able to re-issue and do that process on their end, which involves checking to make sure check wasn't cleared ( it wasn't ) and etc. I called XX/XX/2021 or XX/XX/2021 and was advised they would start the process to have the overpayment reissued. I called again today, XX/XX/2021, and their staff seem clueless. Each time it takes me being transferred multiple times before someone competent gets on the line who actually understands their job and what to do. On XX/XX/2021 I was advised that it was not reissued, contrary to what I was told over a month ago.

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 2023-02-13
Company: EQUIFAX, INC.
State: PA
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 sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of identity theft, and I made sure these companies were aware of some accounts that I did not open nor give anyone else permission to open. When I opened the dispute, these companies investigated and claim that the information was verified. How is this information verified when I am telling them that I DID NOT authorize it nor was I aware of these accounts being reported on my credit report. I need them removed. I also have filed a police report and with the ftc. I have attached my recently filed police report and my federal trade commission report, and also the accounts that need to be removed from my 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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX and TransUnion 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. 1671c. ( 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 antedate 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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:
This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated from XX/XX/XXXX - XX/XX/XXXX and released on XX/XX/XXXX. Upon my release I went to my financial institution, Wells Fargo, to cash a check and make a withdrawal when I was informed that my checking account was empty, prior to my arrest my checking account had well over {$11000.00} in it. The bank teller printed me out copies of my statements and I informed her that this was fraud, I them made an appointment to speak with a banker to file a claim. After the claim was filed I waited for the outcome only to be told that the bank does not believe there was any fraudulent activity with my account. The bank did not ask for any prof nor did they inform me of how they investigated my claim. I have documentation to prove that I was incarcerated therefore there was no way that I could have made the transactions with my checking account. Im hoping that upon review of my documentation the bank will reconsider the outcome of the investigation and refund the funds that were fraudulently withdrawn from my account before I take the next step of legal 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
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX and XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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