BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom this may concern this is in regards to several unauthorized checking account transactions made via debit card. Bank of America claimed my first two claims were considered invalid as they failed to add the correct amounts and transactions I provided. Also, due to having previous business done with this merchant they were denied. Another claim was initiated XX/XX/2023. This time for the claims they did XXXX XXXX separate claims, doing each transaction that was not authorized into separate claim. I called first thing on Sunday morning XX/XX/2023. These series of transactions happened on XX/XX/2023. Transactions cleared on XX/XX/2023. I first attempted to contact XXXX XXXX the merchant, the phone number provided under these transactions was out of service. I reached out via email. They then emailed me back calling me " XXXX '' in several emails. I did not feel as if my account was secure or safe. The transactions that were unauthorized is a total of {$19000.00}. Bank of America is currently undergoing investigation of the charges and Ive only received {$40.00}. I wanted to make the CFPB aware of this ongoing issue and any help that can be provided would be greatly appreciated. Images attached are faxed photos. Such amount is creating financial hardship. Thank you for your time.

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 2021-12-16
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:
Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with XXXX XXXX representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX   XXXX report with no late payment and Transunion XXXX with no late payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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:
I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX   XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX  XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX  , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to 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 2023-09-21
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sold my home to my daughter and her husband and they put solar panels on their roof. Without my knowledge, approval or consent the loan company they financed through used my credit as a basis to approve the loan. I knew nothing of this company nor was I involved in the process. At no time did I authorized them to pull a credit report, I did not agree to be on the loan and I DID NOT sign their paperwork. I knew nothing about this till the financed amount appeared on my credit report. I do NOT live at the house and have no legal interest or rights in it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There has been fraudulent inquiries reported on my credit report that do not belong to me. These inquiries were not authorized by me nor done by me and i want them removed as soon as possible. 
Inquires : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/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 2023-10-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not been able to retrieve my credit report, in months, due to ALL 3 bureaus having various, reporting the wrong addresses. 

I need my current address to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I expected a direct deposit of XXXX to hit my checking account as part of my regular pay schedule. When the funds did not appear in my account by [ date ], I contacted the bank 's customer service to inquire about the delay. I was told that they had not yet received the check but would release the funds immediately upon receipt. 

I waited until XX/XX/2023, around XXXX XXXX CST, and when the funds were still not available, I contacted customer service again. At this point, they repeated the same information and offered no further assistance or explanation for the delay. 

This has caused significant financial hardship as I have pending bills and financial commitments that are now at risk due to this unexplained delay. The bank 's Electronic Funds Transfer Disclosure states that any direct deposits received in my name would be processed immediately, but this has not been the case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: QUALITY ACCEPTANCE LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
When I got into this loan within the first month the engine died I talked to the car dealer to fix it with the due five years ago then since they did not help me my brother referred me to a car company in XXXX XXXX named XXXX XXXX XXXX they convinced me into getting a car from them so after that their car engine died on me too after 2 months so I told them if they can fix it they asked me for XXXX dollars to fix it I paid them and I told them about my suburban so he referred me to his mechanic to get the engine fixed on the suburban so I called the tow truck driver to drive it to the mechanic I notified his mechanic he told me he had no room to store the truck he told me to let XXXX XXXX XXXX to hold it so I did then after the first month of bamboozling me this company placed a lean on my truck and did not even consult my co-signer my mom XXXX XXXX about the crooked deal this company did to me I tried to consult the original car company about the problem and they sold the business I notified the creditor and no help whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
just check my credit report and have derogatories accounts that does not belong to me at all from XXXX XXXX XXXX, Amounts are : {$470.00} and {$330.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. Need that removed from my credit ASAP its been really hurting my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Penn Credit Corporation
State: NC
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:
Under unfair practices, 15 U.S.C. 1692f it states that debt collectors may not Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business. 

On the letter I received was a symbol for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Anyone can read my letter and see that there is an attempt to collect a debt on me and that is extremely embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XXXX XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX XXXX 2. Validate Account XXXX Department Stores 3. Validate Account XXXX Department XXXX XXXX Account XXXX XXXX credit Validate Account 5. XXXX XXXX 6. Validate Account XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help 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 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We pay our bill on or around the XXXX of the month, as I'm on XXXX XXXX. The invoice usually comes on or about the XXXX. The interest charges are all over the board and we paid {$2.00} short a few months ago. When we got our statement, it was, for some reason higher by the {$2.00}. We called the company and and spoke with a man named XXXX. He said he would wave the {$27.00} late fee. At that point we agreed that what we had paid, was {$3.00} more than what it would have been. The following month we recieve a new statement which shows a {$27.00} credit but an additional charge of {$38.00} dollar late fee. We called the Company,  Capital One, again. They informed us the last person did not have the authority to adjust the payment like he dis, and the {$38.00} late fee was for the origonal {$2.00} from the previous month. What that boils down to is this, They want us to pay an additional {$38.00} dollars above what the invoice should have been than wait for them to deduct the difference from the next statement. This, in my opinion, is just another way of collecting additional interest by using late fees to raise the balance of the card. Also when you do what they say, its not followed on their part. the excuse they give, is the system doesn't do it that way. How many folks are they stealing from by these types of business practices. 
I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist Bank Legal Department acted prematurely and wrongfully processed a notification as a court-ordered levy from XXXX XXXX XXXX XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX XXXX Government Clerk of Superior Court stated that the court has not issued a garnishment levy to Truist on behalf of XXXX XXXX XXXX XXXX to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My concern is that Truist acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of XXXX debt collecting agency.

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