BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-05-24
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: Account information incorrect

Complaint:
On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : XXXX XXXX XXXX where I have come to now realized how XXXX has XXXX advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.

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 2021-08-27
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus XXXX, XXXX, AND TRANSUNION, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......

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 2020-04-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXXXXXX : # 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 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 2021-05-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
US BankXX/XX/XXXX Card Services XXXX XXXX XXXX XXXX, MD XXXX Re Account # Ending XXXX To Whom it May Concern ; I spoke with four different Customer Service and Collections personnel onXX/XX/XXXX. I received no customer service. I was inquiring how to reopen my account now that it is current and below the credit limit. I was told that my account could not be reopened and that I would have to reapply at XXXX, with no guarantee of getting a new account. 

This means in essence, I have to keep paying on a credit card that I can not use. Having a closed status with the credit bureaus acts like a charge off with me not being able to utilize a card I am paying for. 
I hope I am not induced to file a complaint with the Credit Bureaus and Consumer Financial Protection Bureau. Can we try some customer service instead, please. 

The reason for US Bank closing my account is noted as I took my phone off your call list with a cease and desist. I explained that I religiously called customer service prior monthly re any change or updates in my ability to make my payment and available payment options. 
You can not justify this procedure with no valid customer outcome. 

Why cant it simply be reopened? 

I dont have to tell you how challenging this last year has been. 
I have 96 % rate for paying my monthly bill, and prior to the pandemic I had a perfect payment history. 

I need you to manage a way to reopen my account. I will update the cease and desist re calling. 
I look forward to our next steps in a timely manner. 
Please advise. 

Sincerely, XXXX  CC XXXX  XXXX XXXX Consumer Financial Protection Bureau

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 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2018-04-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to purchase a car at XXXX XXXX  in XXXX and was told by a sales associate after my credit report was ran that I was getting the car financed at 8 % with a payment of XXXX  each month. When its time to sign papers with the finance manager he changed the contract to 11.6 % and a higher payment to XXXX. When I asked him why it changed he replied that it was because my payoff on my trade in was different from what the sales agent seen when it actually wasnt. They wrote a different payoff on my contract than they actually paid off, it is different. So they owe me money or my apr should have never been changed. Also when I asked the finance person why it changed he replied with didnt sales go over this with you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX an individual located with shipping address that was on the order invoice fraudulently made up an account with the company name XXXX XXXX. This person whom made this account hacked I suppose my card information and then wrote it upon one of XXXX XXXX mail order catalogs and I am assuming it made it in to XXXX XXXX mail address at some point for them to start the invoice on XX/XX/XXXX resulting in the amount of {$190.00} cents being fraudulently taken from my account reflecting on XX/XX/XXXX. I immediately notified Arvest Banks fraud department in which deactivated my debit card ; then I were instructed to contact the local bank for a new one. I were then told I could not get any dispute unless the charge cleared. I then contacted XXXX XXXX XXXX  verifications line at XXXX ( XXXX ) XXXX spoke with a lady she asked was I XXXX I said yes, gave her my card info she only wanted the XXXX few numbers of beginning of card used and the last few numbers of ending of my card. She then proclaimed to have refunded/stopped the transaction on XX/XX/XXXX since then I have constantly asked her for documentation of this being cancelled and documentation of refund she had refused and only told me all she could do was give me an order number which she made reflect {$0.00} as the total. Which Im not sure why when its clearly XXXX taken from my account ; again Ive been denied proper documentation. I contacted them back again on XX/XX/XXXX customer service on chat stated a refund was just placed that day I asked them why was this when they were notified on XX/XX/XXXX, they then told me to speak back with the verifications dept at XXXX XXXX ; the lady were contacted again very insensitive and skipped over my question as to why the refund wasnt issued immediately and answered well I did it on XXXX not sure why the customer service people told you today as in ( XX/XX/XXXX ). Unfortunately with all these things as well arvest bank took 4 days to process the charge in order to even offer me a dispute. This has been a nightmare and unfortunately as the customer I feel I have been given so much run around and misinformation as though this doesnt affect peoples lives with children etc. I wish that you all will find it feasible to hold people accountable to even have offered prompt and caring services to me rather than shoving me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good morning to your good office. First and foremost, I would like to emphasize that this is not a duplicate problem. It's actually a recurring problem. This is the second time that PayPal has permanently limited my account for no valid reason at all. I badly need help. Please help! Please help! What they did to me the second time around is really unfair and baseless. I repeat please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Between the time of XX/XX/XXXX and XX/XX/XXXX my mortgage was sold to another company ( XXXX sold to PennyMac ). During this same period I was in the hospital with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( due to damage from XXXX treatment ). I was XXXX XXXX XXXX XXXX XXXXXXXX transplant and in and out of consciousness. During this time my wife began taking over all bills and gaining power of attorney. Unbeknownst to her as well; was the fact that the mortgage had been sold. At some point in XXXX she realized she had not received a statement/bill. She called XXXX XXXX XXXX and found it had been sold to PennyMac. She called PennyMac and found our mortgage was in arrears because the bills had been sent to the wrong address ( not our address of XXXX years but the address of the new mortgage where she was not residing. ) She immediately contacted our XXXX XXXX XXXX XXXX and XXXX XXXX at ( XXXX XXXX ) and initiated a wire transfer to put the account up to date, at the same time spending at least XXXX hours on XXXX different days Between XXXX XXXX on the phone with a gentleman named XXXX from PennyMac who was initiating foreclosure. I continuously asked him to look at the wire transfer number and he made no attempt. Finally, I asked him to allow a XXXX way conference call with our advisor ( XXXX XXXX ) from XXXX XXXX, and when the finance XXXX asked him to look at the transfer number, he found the XXXX had been put into the wrong account. They finally corrected the matter a few days later. Since then ( over a year and a half ) we have received calls daily from debt relief robo calls, and they do not stop, even though we are actually ahead on our payments by several months. We have called several times including today ( XX/XX/XXXX ). and asked that they update/correct the information on the credit report and they said they would have to send it to their research department and they would not update it. This is affecting our credit score. We would just like them to update and correct the information they have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX Simple Bank transitioned to BBVA. BBVA would not let me enroll due to system error and now my account is locked. They set up special customer service hours for XX/XX/XXXX and I have been hung up on 7 times due to them not being able to hear me. They are doing it to everyone, its all over XXXX. I cant deposit any checks or access my account to see funds or move any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, Simple Bank closed and its users were transferred to BBVA Bank. Since then, former Simple members have not been able to access their accounts at all. Calls for customer service have been rejected or hung up on. Further instructions have been vague and fewrelayed mostly on XXXX instead of email. Its been incredibly frustrating with current and upcoming expenses, and there is no solution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Recently had funds sent to my bank account and my bank Navy Federal Credit Unions security department has been giving me the run around for 2 weeks. While not allowing me access to my funds and not providing adequate information on how I can resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has illegally listed an account on my credit reports. I have never entered into any agreement or received any services from this company. They have bought a file which has been illegally re-aged after previous collection agency removed it from my credit due to aging off and I have disputed this with the three credit bureaus due to them aggressively and maliciously continuing to report this account it has affected my credit rating and I have endured undue stress and ruined my credit rating.

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 2022-05-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two medical collections appeared on my credit report in 2021 ; one in XXXX for {$550.00} and another in XXXX for {$300.00}. I contacted medical data systems and requested proof of debt due to the fact that I did not recognize the charges and I havent had any medical treatment around that time. I received an email with a copy of a bill about a week after my request. I contacted the company again via phone and informed them I am unaware of the charges. I again requested for proof that was the person responsible for the debt and have yet to get a response.

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 2023-09-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I signed up for Raymour and Flanagan 's Financing ; however, TD Bank has not sent me a single statement or letter about my new account. I am not able to register for a new online account. I don't know how to check my balance because I have neither a paper statement nor an online account. 
The welcome email from Raymour and Flanagan does not give me any information about my new account, such as account number and account balance. The link on the website does not go to a page where I can check my account details. 
The website for password reset does not recognize my social security number and birthdate.

Company response to consumer: Closed with explanation