BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Credit card reported my account as delinquent to credit reporting agencies in XX/XX/XXXX : I have paid off the full balance every month ( with the few exception there were autopay glitches from their end ). There were never any balance owed. 

XXXX of XXXX, there was a duplicate payment for the full balance ( they took a phone payment and autopay in the same month ). When I found out, I requested XXXX of the payments be posted back to my bank account. So for the months of XXXX and XX/XX/XXXX, there was an overpayment ( credit ) on the account so there was no balance due and I could not pay anything to account. I was on autopay for these months. 

The bank decided to credit me back for the duplicate payment in XXXX. Apparently when they did this, they reported me to credit reporting agencies as me being delinquent for the month of XX/XX/XXXX. They backdated the credit back to the original date of payment in XXXX and then said that I did not make the XXXX and XXXX payments ( despite the fact that they had my money in their possession until XXXX ). There would not be possible for me to retroactively pay for the months of XXXX and XXXX ( no balance b/c it was showing a credit to the account ). They also did not let me know that the payment back would result in this. 

When I call XXXX XXXX XXXX credit card, they tell me that the situation is " unfortunate '' but the credit report is correct and nothing can be done. 

If nothing else, how can they take my money interest free for XXXX months ( XXXX ) and back date the credit? They will not work with me. They tell me it is the consumer 's obligation to foresee the outcome and they have no reason for full disclosure. 

For the months of XXXX, I have never received any statement due. All those months, the balance was always showing a credit, so autopayment would not have been able to make any payment on the account. They RETROACTIVELY made me delinquent on my account by BACKDATING the credit from the duplicate overpayment. Had they only credited my account in a timely manner for the duplicate payment, all this would have been avoided, too. 

Please help me. I want them to remove the credit delinquency from my account. Thank 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # XXXX .... 
Account # 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.

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 2019-01-16
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This car belonged to my daughter and never had anything to do with it. I didn't know the bank how much her monthly payments, she was late twice and she missed XX/XX/XXXX, XX/XX/XXXX and day before XXXX she was taking her children out & they ran back in and told her they did not see the car. She had groceries in their and of course after learning where car was to get her things food was bad. My problem is I am also on that loan, although I thought my daughter had removed me. I was never contacted by Santander Consumer USA and it was in me trying to refinance my home, I learn all the particulars to this car. From my mortgage banker with XXXX XXXX and XXXX XXXX  I learned the acct # and the phone number for Santander and I also learned that they had reported this on my perfect credit report and caused my score to drop 100 points yet no one contacted me about anything and when I tried to contact them I learned in a weeks time, after holding on the phone for an hour or more and telling the story over and over again on all the transfers that kept being done, and then finally getting so they claim the right dept., then being asked to hold a min. I held on for 15 or more mins. each time for the phone to be disconnected on me! I realized no one was going to talk to me. I am a XXXX widow of a VET who died from war and on a fixed income, and whether I was or not to be treated like this. Put this mess on my credit report but no contact me and I am on the loan or talk to me. Finally got my daughter to try and call after no one would talk to her because they said XXXX she did not have a job. I have learned thru my lawyer they had no right to say that. All they should have been concerned about was getting the 2 months owed and that was her right, if they were reputable which I now know they are not. No one would talk to me but my daughter got thru on XX/XX/XXXX and called me back in 5 mins. She said they said she needed to move fast because car was on the block and they would only except full payment. In between my JAG lawyer on XXXX XXXX, VA and my mortgage banker I finally got someone to talk to me yesterday, XX/XX/XXXX, and as nasty as she was to me, she tells me that the XXXX XXXX XXXX was sold for {$3400.00}. How is that possible when on XX/XX/XXXX my daughter told it was still for sale. I believe that it probably was auctioned on XX/XX/XXXX because my friend tells me that is when car auctions are held on Saturdays and so I now believe reason I could not even get anyone to speak to me. I would like my credit back the way it was and Santander denied me any remedy because they never contacted me of anything. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
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:
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

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 2022-12-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX .... 
Account # XXXX .... 
Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
XXXX XXXX is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting this account incorrectly despite several dispute requests.

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 2023-03-04
Company: Bread Financial Holdings, Inc.
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 received my XXXX statement from ComenityXXXX Visa XXXX and noticed that my previous payment was also there. I checked my bank and see that they did not cash the payment until XXXX/XXXX/XXXX, I contacted their customer service by phone, and while waiting for them I did some research on this company and found that they have a tendency to process payments past due date and then charged consumers late fees plus interest. After I talked to their customer services, he reversed the charges. Dues to their unethical business practice and to protect my credit scores, I canceled the credit card. When I receive my last statement, I contact them again, and this time I want to redeem my cash back ( {$130.00} ) she said that since I canceled the card, They won't redeem my cash back, this is wrong and I want my cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-01-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/, I received a letter from BMO 's Enterprise Fraud Management, requesting that I visit the nearest branch with my ID, SSN, and Utility Bill to verify my identity. The letter stated that my deposit account would be closed on XX/XX/, if I failed to comply. 

However, I want to clarify that I have never had any association with a bank named BMO, nor have I opened any account with them. Therefore, I immediately contacted BMO to report the account as fraudulent. Since then, I have had multiple conversations with four different representatives from BMO on XX/XX/XXXX and XX/XX/XXXX. 

While speaking with these representatives, I have been given conflicting information regarding the status of the account. Some have assured me that the account is closed, some have indicated it is in the process of being closed, and others have given varying explanations. They have also advised me to report this incident to the local police department and the Federal Trade Commission ( FTC ). 

In accordance with the guidance provided by the FTC, I have requested that BMO : 1 ) Confirm in writing that the fraudulent account is not mine. 
2 ) Verify that I am not liable for the account.

3 ) Confirm that it has been removed from my credit report. 

Despite these requests, BMO has refused to provide the requested documentation. Depending on whom I speak with, I have been informed that they either do not provide such letters or that they will only do so if there is recent activity on the account. This leaves me in a position where I must trust BMO 's verbal assurances that the necessary actions have been taken, with no tangible protection in case issues arise due to their failure to verify the account properly.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It has come to my attention that my previously filed complaint was closed without providing a satisfactory resolution. 

-- -- -TransUnion 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 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 2023-11-15
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 2023-03-31
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-02-13
Company: LEXISNEXIS
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:
On or about the XX/XX/XXXX 2019 I sent in a letter asking XXXX for validation of a few inquiries on my report. I received an email on XXXX XXXX 2019 I received an email from XXXX stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019. I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$55000.00} XXXX  XXXX Balance : {$20000.00}

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 explanation
Consumer complaint received 2023-07-11
Company: NAVY FEDERAL CREDIT UNION
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was contacted at home by someone claiming I owed over {$5000.00} for a debt that was supposedly only {$800.00} tried to obtain information about said debt. Representative was continuously rude saying I knew exactly what the debt was and that I owed it. I honestly dont remember this debt. I asked if this was a time barred debt to which I received no response other than I would be recieving court papers in the mail from a local attorney over this matter and once I did I could ask them all the questions I wanted to. I did manage to find the representative I was speaking with worked for XXXX, XXXX, and XXXX. I made sure they had the proper address on file to send me the paperwork ( the rep read it to me I didnt give it ) however if this is indeed a debt I owe, which I dont believe it is, it would be a XXXX year old debt I would like them to A ) stop contacting me B ) Stop violating the law by trying to intimidate and collect a debt that I dont believe I owe and is well past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation