BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-17
Company: Colony Brands, Inc.
State: AZ
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 Reporting act XXXX Account # 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 agency can not furnish an 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an item on my credit reported dated on XX/XX/2020 from Wells Fargo Home Mortgage stating that there was a dispute regarding my mortgage payments that went into a forbearance due to COVID-19 consequences.

I have never filed a dispute with Wells Fargo, yet they listed that I had a dispute with them and it now shows on my credit report.

I did however, had a disagreement over the phone with the representative I spoke with. I told the representative how misleading was the Wells Fargo advertisement for homeowners seeking assistance through COVID-19. It was a conversation I had over the phone with the representative of Wells Fargo. I never filed a dispute. In fact, I initiated mortgage payments after the forbearance period was over. And by law, my credit should not be negatively impacted. 

I had no idea that having a conversation over the phone with a Wells Fargo representative would lead to them negatively impacting my credit score. Absurd!

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 2020-12-19
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
For years I have complained to Zions Bank in Utah / dba Vectra Bank in Colorado about how there statements do not accurately reflect payment activity and how interest is calculated. In XXXX I sold the property that the HELOC was secured by. Upon presenting my final statement I called and wrote that I felt the payoff amount was incorrect and that I would like to see a manual calculation showing the interest acrured, payments and dates and balances through the last period when the loan had a balance. The bank refused to provide ths information and simply stood by their assertion that the loan balance was correct. 
To bank on XX/XX/XXXX XXXX Under ticket no XXXX  XXXX I have requested the following from Zion / Vectra Bank. 
An accounting of my account in the following manner. 
Date of last loan advance which was the 2.99 % promotional under XXXX : I have XX/XX/XXXX Please confirm Amount of loan advance I have {$110000.00} Please confirm Amount of interest/finance charges that accrued until payment on XX/XX/XXXX New balance after paying interest charges Amount of interest/finance charges that accrued until next payment, amount & date New balance on that date, And to continue this process until final payoff. 
My last statement dated XX/XX/XXXX showed I had an overpayment of {$52.00} which you have sent me a check for. 
My calculations show I have overpaid you by {$360.00} I would like to have you do the calculations in the manner explained above to prove that the {$52.00} is a correct amount. 

The bank replied with the following on XX/XX/XXXX " Nothing in our review indicates you are owed a refund in a different amount '' I feel that the request I made was normal and reasonable and feel they should not be allowed to behave in the manner they did.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: LA
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:
Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.

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 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/ 2018 I made a purchase while abroad. That same evening I wanted to cancel the purchase however was unable to reach the merchant ( after store hours ) so I called Capital One to stop the transaction. I was told that Capital One could not stop the transaction and was given directions, which I followed. The next day, during business hours, since I was traveling and already out of the area, I telephoned the merchant, asking that he cancel the transaction. It turned into an unpleasant conversation. He told me to contact my bank and that he would stop the shipping. 
In the ensuing three months of a dispute claim with Capital One, the merchant, in a response to Capital One, stated that I had in fact cancelled the transaction and that he did not ship anything to me. 
Capital One, who initially took the charge off of my card, has re-billed my card for {$2100.00}. They've told me that the timeline for a dispute will be ending XX/XX/XXXX and that they can no longer move forward with the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please see the dates in the attachments where I have been trying to work with this Credit Bureau, and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit report after credit report to show it is still being accurately reported as an item of credit for myself. TransUnion keeps saying they can not and will not delete the remaining fraudulent accounts from my credit reports. Denying my claims and disputes, even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Financial Business and Consumer Solutions.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
FBCS Inc has repeatedly sent letters to a home that I do not live at nor has ever lived at. My father and his girlfriend live there and have now received two letters addressed to me. Ive emailed the company three times via their compliance email to ask them for more details as I do not have access to the letters and would prefer communication via email. Ive never received a phone call, email or mail at my home address so have no idea what this is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2019-02-14
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Have been trying for months to get a forbearance on my loan the old acs number says no longer in service and the new number says no ssn on file then just hangs up without connecting me. My account will go into default because I can not reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Dear officer, This is a loyal customer of American Express ( since XXXX ). I have had an issue with the {$200.00} FHR credit on my XXXX XXXX account in the year XXXX. Multiple cases have been opened on my behalf with AMEX but none of them have resolved this issue, so I have to make this complaint to CFPB. 

What has happened is really simple, as shown in my attachment 'Card transaction history ', there are XXXX {$200.00} been given to me from FHR on XX/XX/XXXX and XX/XX/XXXX, and {$400.00} in total reversed FHR credit by 3 transactions on XX/XX/XXXX and XX/XX/XXXX. I have one valid booking of {$400.00} on XX/XX/XXXX ( that I have not canceled and stayed on XXXX XXXX ), and all other FHR transactions that are greater than {$200.00} would balance out as those are FHR reservations made and canceled later. 

Therefore, I have attached my valid FHR booking for one night in XXXX ( attachment 'XXXX XXXX XXXX ' ), which should be qualified for the {$200.00} credit according to your benefit terms ( also attached " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). The benefit terms only indicate that 2-night stay is required for " The XXXX XXXX '', not " XXXX XXXX XXXX XXXX ''. The hotel I stayed at is XXXX XXXXXXXX XXXX XXXX XXXX XXXX indeed an FHR hotel. I am really tired of arguing with AMEX back and forth about this, please do a thorough investigation and credit the {$200.00} FHR credit to my account to resolve this. Otherwise, I will have to escalate this to small claim court, which would be waste of time for both sides. I truly appreciate your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed by GM Financial on XX/XX/2023 at XXXX. I was only XXXX  days past due and was planning to make a payment on XXXX XXXX. 
I was at home, vehicle was in the driveway and heard my alarm going off. I went outside and there was a stranger trespassing on my property and telling me that he was sent there by GM financial to repossess the vehicle. 
I don't appreciate GM financial giving my PII to a random person without my permission and I don't even give guys that I'm dating my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These inquiries, unrecognized by me, are posted to my report : XXXX   XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX,XX/XX/XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX, XX/XX/XXXX ( twice ). XXXX/XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XX/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 2022-11-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
I purchased a boat from XXXX located in XXXX, NC in XX/XX/2020. I financed it through BB & T which was later renamed or bought out by Truist. The loan number is XXXX. The loan has been paid off but I have not received the title. I contacted the bank and they are giving me the run around about contacting different division. So, in all, I have completed my financial obligations with them yet they have not provided me with proof of ownership for the boat.

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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX, Saturday. I received a phone notification from Chase mobile app, that there is a transaction of {$50000.00} to an unknown payee from my checking account directly. I see the transaction is payed to a company called XXXX. I XXXX  online it seems like a finance platform such as XXXX. I have never created account or done purchases on XXXX. 

I believed my account is compromised and called Chase to file a fraud dispute claim immediately. I was instructed to create a new online Chase account. Then, I noticed there is an unauthorized template for wire transfer created from Chase mobile app. The template is created for " XXXX XXXX '' who I never know. 

I also noticed on device access history, there is an unrecognized and unauthorized access from " XXXX XXXX XXXX, chase.com '' since XXXX. I remembered there is an email say my Chase account is accessed from a new device on that date. But the email is quickly deleted and gone ( by the hacker ). 

On XXXX, Monday, I walked in to a local Chase branch and created a new checking + saving account. And transfered my remaining balance to the new accounts. 

Also on Monday, I recevied a text message from Chase, asking if it was me making a {$50000.00} transaction. I replied " NO '' as prompted, the system says Chase won't allow this transaction now. 

Currently, my account is showing a balance of this {$50000.00} deducted. And the fraud, {$50000.00} transaction is shown as status " Pending '' in my old account still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent an email ( internal to Hyundai Finance Website ) approximately a month ago warning them that they had scheduled a regular payment ( {$340.00} ) for XX/XX/XXXX though the remaining balance on loan was {$280.00} but they ignored it. On XX/XX/XXXX, Hyundai Finance debited my checking account {$340.00} by ACH transfer, that is an overpayment of {$60.00} on loan, I financed {$22000.00} at 0 % in XX/XX/XXXX, there is now {$22000.00} in payments. This overpayment is an unlawful conversion of funds, they were forewarned though it is not my responsibility to do their accounting, and I now wonder how many consumer accounts they are stealing from. I called ( XXXX ) this morning and spoke with a Supervisor named XXXX in Texas to demand that my funds be returned to me by the same method ( ACH Credit Draft ) but they refuse to comply. Furthermore, I told them to cease and desist from any future ACH debit transfers from my checking account as the loan is more than paid in full, and to send my pink slip removing them as the lienholder. I have no assurance from Hyundai Finance will do the right thing considering they have already engaged in unlawful fund  conversion. I now have to call my bank ( XXXX XXXX XXXX  ) to dispute the transaction and I will have to pay fees to stop payment on ACH debit.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2022-08-18
Company: Experian Information Solutions 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 Reporting act 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, 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.

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 2020-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed a public record on my credit report. Experian said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.

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