BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to file a second-round dispute regarding late-open accounts that have been reported on my credit report by the XXXX Credit Bureaus. In my previous dispute, I raised concerns about the late-open status of the accounts listed above. I provided evidence and explanations for why I believe these accounts were inaccurately reported as late-open. Despite my initial dispute, the late-open status remains on my credit report. 
I had attached copies of supporting documents that reinforce my position that the reported accounts were not late-open. Include any documentation or other records that support my claim. In my previous dispute, I outlined the reasons for my dispute and provided evidence to support my position. I am including a copy of my initial dispute for reference. I am requesting that the XXXX XXXX XXXX conducts a thorough investigation into the late-open status of the accounts in question. I ask that they promptly correct any inaccuracies and remove any late-open notations that are unwarranted. I am deeply concerned about the impact of these inaccuracies on my creditworthiness and financial well-being. I trust that the CFPB will help facilitate a fair and accurate resolution to this matter. I kindly request that the CFPB investigates this second-round dispute and takes the necessary steps to ensure the accuracy of my credit report, particularly with regard to the late-open accounts. My personal details and the account 's information in question and needs to be corrected are as follows : XXXX XXXX Balance : {$3400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} ; XXXX XXXX Balance : {$0.00}.

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 2022-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SN SERVICING CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SNSC and XXXX are involved in some sort of scam. While I was trying to cure the default the loan was turned over to XXXX. They've given different dates of when they got the loan and how much was owed. Now I can't get a payoff amount. SNSC said they can't tell me anything and I have to contact XXXX  and ask for a lawyer named XXXX XXXX. I called XXXX and XXXX hasn't been with the firm in four years. I was never offered a loan modification or mediation. They are in the midst of an illegal foreclosure. I've been requesting a payoff statement since XXXX and they refuse to provide it. They are breaking Federal law 15 U.S. Code 1639g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX and I am submitting this complaint against Experian Information Solutions Inc . There is no third party involved in this complaint. I am demanding that Experian Information Solutions Inc. provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Experian Information Solutions Inc. provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Experian Information Solutions Inc. has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Experian Information Solutions Inc. have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.

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 2021-03-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX vehicle was repossessed and kept unattended with windows left down during rainstorm then immobilized due to improper business practices. Ive requested for Santander to dispute this claim with their tow vender & have simply stated that they deny. If damage is done to the vehicle then they should pay compensatory damages to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2021 I closed my account with XXXX  and returned all the phones. The reason I closed my account was because of their poor billing practices. I had to repeatedly call them because they were not billing me correctly. When my contact was up I switched companies. They continued to bill me. I called them repeatedly and they never cleared my account. I was even told by one of the collections people that this was typical for them. I refuse to pay them because they are so inept at billing that they didnt close my account correctly. If they do this to everyone just think how much money they can collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
I have an American Express Platinum card. It's pricey, but I've been saving up for some international travel now that I'm retired ( I'm XXXX XXXX XXXX ). 

A few weeks ago, the XXXX site advertised on its main page an offer to receive a 20 % premium when transfering points to the XXXX program. I checked how many points Id need to book the award I wanted on XXXX XXXX, saw the flights had seats, and transferred the XXXX points from Amex to XXXX. 

I then signed on to the XXXX site - and got a website page saying that XXXX no longer existed, that its been absorbed by XXXX XXXX Executive club So I tried to book the trip ( XXXX  roundtrip XXXX business ) using the XXXX XXXX website XXXX but is was not possible to use XXXX points XXXX even using multiple alternative dates ) So then I tried using the XXXX XXXX website ( partner airline ) - also was not possible to use XXXX points XXXX even using multiple alternative dates ) Only 10 minutes had elapsed. So I called Amex, said I couldnt use the points, wanted them transferred back to Amex- and was told its impossible, all transfers are final. 

Amex advised me to call XXXX XXXX Executive since the points were now in their system. I phoned XXXX XXXX and, after 90 minutes on hold, gave up. 

I called Amex, escalated my complaint to a supervisor- hey, you advertised this program and its worthless - was told by supervisor theyd escalate the issue and get back to me. They never did. 

I called Amex a week later and spent 2 hours on the phone with them. I got a lot of sympathy, got a supervisor who said theyd work on it - and theyve never gotten back to me. ( There should be a transcript of my chat session with the supervisor, but I've been unable to locate it on their website, despite their saying when I asked to print it out that it would " be easily accessible any time for the next year '' ) I wrote XXXX XXXX asking them to return my points - no response. 

Bottom line : I exchanged about {$2000.00} of Amex points for XXXX XXXX points which are useless. In effect Ive lost {$2000.00}. 

As you can imagine, Im very unhappy about this - and feeling helpless. This isnt exactly a scam - but its close to it. GIVEN THAT AMEX HAD ADVERTISED THE PROMOTION ON THEIR MAIN PAGE, I feel Amex has an obligation to cover this loss. 

Incidentally, when trying to use XXXX points on XXXX XXXX and XXXX, Ive gotten some Web pages which say we know there are problems with the system, were working on it, and hope to have it up and running by XX/XX/2023. That's very nice, but it won't help me for my planned trip in early XXXX since flights may be full by then. 

Id be very grateful for any suggestions or help you might be able to offer on this. Im out of ideas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-08-08
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My email and XXXX got compromised. One XXXX notices two of my accounts had charges go through that I did not authorized. I shut cards down immediately and called banks and filed fraud disputes. First bank handled it fast. Truist processes the claim a month later never ask me for details they send letter denying the claim. It was {$170.00} Im glad I caught it when that charge went through since I would be on the hook it looks like for any other chargers I research the internet many customers complain Truist denies fraud claims. They advertise fraud protection but dont stand behind it XXXX also advertises it and its funny because my other bank handled it without issues. I want my money back its an unauthorized charge I process thousands on that debit card every month they are suppose to be on the look out for fraud but apparently the customer has to be the vigilant one and be the one to cover the fraud charges that visa and Truist claim to do for you.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have not authorized these hard inquiries, they are the result of fraudulent actions, 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 2023-05-25
Company: WELLS FARGO & COMPANY
State: TX
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:
XXXX have been with Wells Fargo for 20 years in XXXX I notice a savings account was open automatically I was charged for years monthly fees for not having enough in the account that I did not open they also had a practice of not depositing my checks at midnight so they could charge over draft fees for monthly automatic payments that came out on the XXXX or XXXX. Lately I had a establishment that charged me for a false purchase we settled the issue on the phone I did not file a claim but Wells Fargo took it upon themselves to create a claim put the money back and recharge me a month later saying they sent a letter by mail never informed me about it and because of that my account was overdraft and they charged me again. Im leaving Welks Fargo its a process since bearing with them for 20 years but they XXXX have taken over thousands of dollars from me with suspicious practices

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 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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 is XXXX of my numerous 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 XXXXXXXX XXXX. Please DELETE.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 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 explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XX/XX/2023, unbeknownst to me, I was added as an authorized user to a Capital One credit account that I did not consent to. As a result, my credit score decreased XXXX points. Capital One could not find me on any account so I contacted XXXX. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MI
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. 

XXXX XXXX : # XXXX DEPT OF EDUCATION/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 U.S. DEPARTMENT OF EDUCATION : Account Number XXXX U.S. DEPARTMENT OF EDUCATION 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 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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my XXXX XXXX. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 Date opened XX/XX/XXXX. I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-02-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT XXXX XXXX XXXX  ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM 2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP

Company response to consumer: Closed with explanation