BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NV
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:
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. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account was fraudulently opened and is supposed to be removed from my credit report XXXX XXXX XXXX IN XX/XX/2018

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a condo in XX/XX/2023. I was notified by XXXX XXXX XXXX that my first mortgage payment would be with them on XX/XX/2023. I set up the account with them. I received a notice of sale from XXXX XXXX XXXX that my mortgage was bought and the transfer date was XX/XX/2023. I made my first payment on XX/XX/2023 to XXXX XXXX based on the notice of sale effective date. The mortgage was bought by Truist and the prematurely set-up my loan on XX/XX/2023 before the mortgage was transferred and said that I owe them for the XX/XX/2023 payment. As of today, my mortgage was transferred as it is no longer on the XXXX account, but Truist is still arguing that I owe them for XXXX and have not applied my first payment. I also paid a {$100.00} additional principal balance with the XX/XX/2023 payment that has since not been applied and I'm not incurring additional interest by Truist. I have contact both XXXX and Truist several times. I have documentation of this and both parties are just blaming each other, but I can not get anyone to resolve this,

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 2022-10-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently did a refinance on my home and included a payout to my credit cards. Macy 's was sent a check on XX/XX/XXXX in the amount of {$2000.00} from the title company. The check included a letter with my information along with a memo on the check with my address and last four digits of my credit card. The check was received by Macy 's on XX/XX/XXXX. The check was cashed on XX/XX/XXXX. I have contacted Macy 's customer every week at least twice a week since they received the check which at first they claimed they did not receive. I put in a dispute and then they stated that they don't know where the check was credited. When I call the customer service they know nothing and just keep saying that billing will look into it but will not give me a phone number for billing. I then received a letter from Macy 's on XX/XX/XXXX stating that as of the date of the letter they had not received my check. I then faxed them the ups receipt that they did receive the check and a print out from the title company of the cashed check. I do not think that any consumer should have to go thru this to make a payment. Needless to say I am now out of {$2000.00} dollars that Macy 's claim they can not find.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.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 2021-01-24
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I made two transactions from Xoom XXXX Application which were cancelled the same day. No refund has been made since XX/XX/XXXX. Today 's date is XX/XX/2021 and still no refund has been made to my chase checking account. The two transactions are the following transactionsXXXX with the amount of {$160.00} USD and transaction XXXX of {$160.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-31
Company: Convergent Resources, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
On Thursday, XX/XX/2022, we notified Bank of America ( by phone ) that we noticed several fraudulent charges on our Checking Account ( ending XXXX ) totaling {$5800.00} ( 7 individual transactions ). We have called everyday since ( 5 separate times ) with no resolution, no credits. Each time we call they have no record of our previous call. Today ( XX/XX/2022 ) that they will investigate over the next 10 days and get back to us. They will not give us any credits until the investigation is over.

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 2022-10-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At this time Toyota Financial is using unfair communication tactics to thwart my dispute against extra charges on an existing auto loan that is outstanding. 

I wrote Toyota a certified USPS letter dated, XX/XX/2022. 

They received that letter on XX/XX/2022, and they have yet to respond. 

At issue, is that Toyota has charged me a total of {$690.00}, in fees that are erroneous and excessive. I can't even get in contact with someone to dispute the fees, or at least, come to an agreement of sorts. 

I owe approximately {$12000.00} on my loan with Toyota Financial, and I am ready to pay off that amount IN FULL ; however, for every single day that passes Toyota increases fees to that amount.

I have tried contacting Toyota on the phone, to no avail. A snobbish person answers the phone and informs me that they are recording the call. In turn, I inform that I also reserve the same right and that I am recording the call. Toyota then hangs up, ending the call ; thus, placing themselves at the advantage of increasing the balance due on the vehicle, which ultimately results in them reporting negatives to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: VA
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:
Medical debt is HIPPA Violation, amount is incorrect resubmitted to the insurance companies. This is the second notice for Experian to delete after the other Bureaus deleted.

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 2022-12-15
Company: Bread Financial Holdings, Inc.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Comenity Capital Bank recently refused to honor the following payments from my Comenity savings account : Date Initiated : XX/XX/XXXX Recipient : Financial Industry Regulatory Authority , Inc. ( FINRA ) Purpose : Registration Fees Amount : XXXX Date Initiated : XX/XX/XXXX Recipient : XXXX XXXX XXXX  XXXX. ( Chase ) Purpose : Credit Card Payment Amount : {$130.00} With regard to the FINRA payment, on two separate occasions I spoke with a Comenity customer service representative ( XXXX is her name I believe ) who incorrectly told me that the payment to FINRA was honored but that FINRA returned the payment to Comenity with no reason given. I incorrectly relied on this completely bogus information in my conversations with FINRA.

Comenity provided no reason for blocking these payments other than to say my savings account is a non-transaction account. It seems completely arbitrary that Comenity should block these payments. Since opening my savings account on XX/XX/XXXX, XXXX has processed payments to a wide variety of recipients, including : XXXX XXXX XXXX XXXX credit card XXXX Internal Revenue Service tax payment XXXX XXXX credit card payment Commonwealth of Massachusetts tax payment XXXX XXXX credit card payment XXXX XXXX credit card payment As a result of Comenity blocking the payment to FINRA, I was late in paying my investment advisor registration fees, which put my employment status at risk and forced me to initiate a wire transfer to complete the payment. Similarly, as a result of Comenity blocking the payment to XXXX, I am late in paying my credit card bill, which will cause me to incur late charges and fees. I have spent an immense amount of time and suffered much XXXX  and stress during my attempts to resolve these payment issues. 

I have never previously had a payment blocked by Comenity and there seems to be no rhyme or reason why one payment request would be honored while another is not. More troubling, neither at the time of opening the account nor at any time subsequent to opening the account was it disclosed to me that Comenity may block a valid and legitimate payment for no apparent reason. Comenity has provided no specific guidance as to what payments will be honored and what payments will not be honored, which is completely unacceptable. The only reason Comenity should be allowed to block a payment is if it believes the payment is fraudulent or unauthorized. And in this case it should only be allowed to block a payment if it has made a reasonable attempt to contact me in an attempt to verify that the payment request is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

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 2022-10-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, I used my financial institutions bill pay to issue the following payments : Check # XXXX = $ XXXX Check # XXXX = $ XXXX Check # XXXX = $ XXXX All checks were cashed by TD bank on XX/XX/XXXX however only one payment of {$1000.00} is showing on my account with an incorrect payment date of XX/XX/XXXX. I contacted the bank and let them know that they had made an error regarding the application of payments to my account. However, they said that they were unable to change my payment date. Because interest is calculated daily on my loan, this equates to theft and has allowed them to charge above and beyond what I owe. I have already emailed them copies of the checks and they still have misapplied 1 payment and still have not applied 2 others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I asked XXXX XXXX to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get trans union and XXXX  to unblock the freeze and XXXX XXXX says to contacts trans union and trans union says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.

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 2019-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: FL
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 Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX  Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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. urate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Revenue Enterprises, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19- received notification that Revenue Enterprises at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX was trying to collect a debt from a hospital 1300 miles away from us. I sent a letter asking for ; - validation of the debt. 
- explanation of how the debt was calculated - to provide copies of documents that show I agreed to pay the amount requested - verification of judgment - prof that statute of limitations was not expired - the license to collect in my state of illinois - license numbers and registered agent documentation. 

They have refused to provide that information and have continued to send collection requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief