BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open XXXX XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} 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 in fair resolution.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been diligently working to improve my credit. I have started by paying down my credit cards. One of which I paid down is first premier. I have been anxiously awaiting my score to improve from the payments I have been making and I woke up this morning to see that TransUnion has dropped my score XXXX points because of the payment?!!! Please I need to be explained to how can making more payments drop my score?!!!! I swear this credit bureaus make money from keeping people with poor credit scores low. This is disgusting and needs to be stopped. I have been paying off collections and reporting inaccuracies and its getting me no where. I want them to explain why paying off my card has caused my credit score to decrease!

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 2022-01-01
Company: SYNCHRONY FINANCIAL
State: GA
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:
Unauthorized credit inquiry were made by a company

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT ( S ).

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX  Section XXXX : 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 2023-06-11
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello! I opened a XXXX XXXX credit card in XX/XX/2022. I always strive to make my bill payments on time, but a few weeks later, I suffered a reduction in my income as my work week was cut to 4 days involuntarily. Without fault, I fell behind on the payments of the card.

Then, on a span of almost one month, Comenity Bank started calling me non stop, regarding the credit card debt, even when I was at work. I counted a total of 214 harassing debt collection calls from different numbers including private ones, including several calls made after I reached out to them to work out a solution to the problem, and the attempt was unsuccessful, causing me emotional distress.

I sent two different letters to Comenity, and I enclose a second one I sent, so far I have not heard anything from them at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Destiny credit card, aka Genesis card services offered me a settlement to pay off my account and I accepted it and made the required payment. When I noticed it was still showing I balance I contacted a 3 credit bureaus and filed disputes, Based on the dispute I received back they are denying their was a settlement and today I received another invoice from them and their website is still showing a balance due. Now in a complete turnaround I called them back and they acknowledged the settlement offer and told me to ignore future statements, but they are still reporting to the bureau that I have a balance due and reporting new late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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: Investigation took more than 30 days

Complaint:
I sent a letter out to Experian, XXXX, and XXXX. Trying to dispute names, addresses, and current job status on my credit report around XX/XX/. I even have some hard credit checks that I didnt approve that was done without my consent.

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 2023-02-09
Company: U.S. BANCORP
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is NOT a duplicate complaint to previous one filed.- XXXX US Bank has NOT paid the fine authorized by CFPB for {$37.00} XXXX or the fine for opening unauthorized accounts in XX/XX/XXXX : XXXX XXXX XXXXXXXX US Bank has NOT paid the fine authorized by Southern District of New York fines that were supposed to be paid in XXXX two years after the lawsuit in XXXX for {$520.00} XXXX : XXXX XXXX XXXXXXXX US Bank opened several unauthorized accounts and money transfers in XXXX. 

1 ) Unauthorized opening of guardian account for XXXX XXXX by XXXX XXXX without a guardianship award by a court of law 2 ) Unauthorized transfers of XXXX XXXX 's money, over {$10.00} XXXX, from Oregon US Bank accounts into XXXX XXXX 's online US Bank accounts in Florida and monthly guardian account transfers 3 ) Unauthorized changes of US Bank IRA beneficiaries on XXXX XXXX 's accounts by XXXX XXXX enabled by US Bank 4 ) US Bank Non-compliance with subpoena in XXXX 5 ) US Bank is responsible for money laundering and BSA violations of stolen money from XXXX XXXX 's accounts US Bancorp refused to pay the {$37.00} penalty levied by CFPB or the Southern District of New York penalty of {$520.00} XXXX for these violations

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

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 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
around XXXX I applied for unemployment my claim ended in XXXX. Than when I reapplied and rectified I thought I was denied. than I put claim after claim and I was and when XXXX my mother brought me a card from her apartment. It was suppose to be send to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. Not once did this happen but twice. when I continued to call about the eligibility the representative from XXXX said I was denied or did not make enough. Which I thought was odd. So when my card was brought to me from the easet there was money on it. I called the bank and they said they deposit from my unemployment. So I went online and notice purchases and deposits that er  made and not from me. I called XXXX and Bank of America and noticed that something was not right. There was over {$50000.00} XXXX. missing from my bank starting with the account and email address as XXXX and now XXXX. When me and the claims rep discuss the transactions of over XXXX disputes that were done. I thought they would credit me some money. so far from XXXX I only received no more than {$2000.00} XXXX. Also I notice that my XXXX pay was was stolen. It was suppose to arrive on XXXX XXXX in XXXX XXXX XXXX XXXX. I never received the card and the Bank of America hung up on me over XXXX to XXXX times. They were very rude very disrespective and not professional about them make XXXX transfers without my permission. and they allowed people to make deposits and go in and take money. MY card is a government card so how could the bank do such action against me and my request of my money that they transferred. The traction 's were made and deposit of the XXXX was transferred to another account at the same time. I want them to all records of my account XXXX can you please investigate this for 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 monetary relief
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
CAP XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right 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 instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. 

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I rented a vehicle for quoted price of {$890.00} When I returned the vehicle, I signed a form showing that the vehicle was returned in the same condition I found it, full tank of fuel, etc. At this time, no cost or discussion of the vehicles condition was provided to me. I did receive this document through email. 
Several days later, they charged my debit card {$1100.00}, with no follow up information or explanation of charges. At no point did I ever receive a receipt referencing a dollar amount or any sort of itemization of charges. 

I raised this dispute with my bank, who refused to continue with the dispute due to the missing receipt. 

I raised this dispute to XXXX, who refused to proceed with the dispute due to the missing receipt referring to the incorrect amount.

I am extremely frustrated by everyone 's lack of action. I have a quote showing one price, a signed document upon return of the vehicle that proves that I abided by the terms of the quoted price, and a charge to my bank account for several XXXX dollars more than the quoted price. I am extremely disturbed by the lack of ethics shown by XXXX, Eastern Bank, and XXXX all colluding to defraud 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 monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander Consumer USA at address XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been furnishing account # XXXX for {$13000.00} as a charge off on my consumer reports since XX/XX/2017. I have reported this canceled debt as income. Income is not to be reported or furnished on my consumer report, that is an invasion of my privacy and XXXX XXXX XXXX XXXX is violating the Fair Debt Collections Practices Act. On the websites of XXXX, XXXX and XXXX they state income is not to be reported on a credit report ( consumer report ). I am requesting Santander Consumer USA to show integrity and accuracy and delete account # XXXX from all consumer reporting agencies. I am also requesting the 1099-C and/or 1099-A or I will be forced to report Santander Consumer USA to the IRS for tax fraud .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Credit Card failed to process balloon payment when outstanding balances came due. They then retroactively assessed a significant late fee.

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 monetary relief
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This issue is with Comenity Bank - XXXX XXXX XXXX  Credit Card I have attempted to fix this issue, three times. 

In early XX/XX/XXXX, I checked my XXXXXXXX XXXX XXXXXXXX credit card account as I have three purchases on the same card.

Purchase 1 - 12 Month Deferred Interest ( Expired XX/XX/XXXX ) Purchase 2- 18 Month Deferred Interest ( Expires XX/XX/XXXX ) Purchase 3 - Low APR 48 Months I checked the account balances to ensure that my deferred interest payments had been paid off and recalculate the amount owed on my automatic deduction. 

I located what I believe to be an error with my statements and payments, specifically how they are being applied. 

On my XX/XX/XXXX statement, I had a balance of {$220.00} that expired on XX/XX/XXXX. I immediately made a payment of {$220.00}, that was posted to my account on XX/XX/XXXX. I had assumed, that my payment of {$220.00} would go to pay of the balance of the 12 month deferred interest charge, but I saw on my XXXX statement that it did not. Additionally, because the payment did not go to that charge, I was charged {$180.00} in deferred interest on the account. 

I contacted Comenity Bank in XXXX to address this issue, and ensure that my payments were being applied towards the deferred interest charges first and then the low APR. They ensured me on that call that my payments would be adjusted correctly and that they would be refunding me the deferred interest. I was told that it would update on my next billing cycle. 

On XX/XX/XXXX, I checked my statements again and discovered that it was not corrected. Additionally, I discovered that I still had not paid off the remaining {$.00} on the 12 month deferred. To me, this has to be impossible since I pay significantly more than the minimum payment on the overall balance. 

I believe that Comenity Bank has chosen to allocate my money differently than I have asked in order to charge my accrued interest fees. On XX/XX/XXXX, I again contacted Comenity and was told that my money was now going to be allocated the correct way. I was also told that money goes to my highest interest, which is technically the Low APR charge. I explained that while technically that is correct, it is wrong. Because now that I am outside of my deferred interest on the 12 month, I am actually paying 29.99 % on that charge, and soon to be paying 29.99 % on the 18 month deferred. 

These concerns were looked into and then I was told that nothing additional could be done. I have expressed numerous times how I want my money to be allocated. Additionally, you have to call into Comenity because the options for allocation are not available online.

Company response to consumer: Closed with monetary relief