BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for an auto loan at a car dealership. My credit report is showing their hard credit checks as XXXX separate pulls when they should combine into XXXX because they were made in a 14 day window.

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 2023-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2023, I made two mobile deposits to my Citizens Bank checking account. Both were XXXX checks from the XXXX XXXX XXXXXXXX Department, one in the amount of {$6100.00} and the other in the amount of {$2700.00}. Without notice to me, Citizens Bank placed a hold on the availability of these funds. I called Citizens Bank on XX/XX/2023, to find out when the hold would be lifted, and was told that the entire amount of the 2 deposits would be available on XX/XX/2023. In reliance on this, I arranged for bill payments to be made on XX/XX/XXXX. 

On XX/XX/XXXX, I discovered that the hold had not been lifted. I called Citizens Bank again, and this time was told that the funds would not be made available until XX/XX/XXXX. My account in now overdrawn, by reason of the bill payments I made. I have no other income, other that Social Security. I am between apartments and will now have to sleep in my car until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX XXXX XXXX posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX TransUnion posted, I owe {$1400.00} on XXXX XXXX XX/XX/XXXX I paid the full amount {$1400.00} to XXXX XXXX. 

On my credit report XXXX XXXX & Trans Union posted the incorrect information. I don't owe {$1400.00}. 

XXXX  XXXX credit card was paid in full on XX/XX/2023. XXXX points was DEDUCTED from my credit score. I want the XXXX points restores. I want the correct amount of money owed posted XXXX XX/XX/XXXX XXXX XXXX received full payment for {$1400.00} 1. TransUnion posted the incorrect amount on XX/XX/XXXX {$1400.00} 2. XXXX XXXX posted the incorrect information on XXXX XXXX XXXX XXXX states I owe {$1400.00} to XXXX XXXX, false, inaccurate, incorrect information. I OWE XXXX dollars, I paid the debt in full on XX/XX/2023.

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 2023-11-01
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Verve platinum credit card services charged me with three XXXX $ late fees starting on XX/XX/2023 to XX/XX/2023. All of the min amount due monthly payments were made on time for this month. When reaching out to the credit card company they stated that my account was set up to pay a standard amount of XXXX $ per month. I do not recall submitting this at any time and they can not provide a statement or any documentation of when this may have been done. Then in XXXX when my balance was due of XXXX $ and some change that whole amount was taken from my account, at which time I called and was made aware of the information I just stated since I was making payments on time and did not check my account for a few months since I had set up recurring payments. At that time I asked them to provide me with a statement showing the change I have made for them to legally process payment for the XXXX $ since it was not the XXXX $ amount they stated is the payment arrangement I set up. They told me they do not show of me making that change and can not explain how or why it was done. I let them know if my min amount due changed previously why at that time before charging me with XXXX XXXX $ late fees totaling XXXX $ would they not take out the min amount due instead of the standard payment they say I set up of XXXX XXXX They could not explain this as well. At this time I have asked them to close the account to no longer acurre fees but I am still paying for these fees as well as the late fees. I asked them to open a claim and that my fees should be waived since I did not authorize any change or the increased amount to be taken from my account but they have failed to do so. At this time I need help in resolving this 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 explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, Texas XXXX To Whom It May Concern : Enclosed please find a letter from Experian dated XX/XX/XXXX stating that I had placed a security freeze on my account, and giving me a pin number that would allow the security freeze to be temporarily lifted or permanently removed. If I didnt contact Experian to temporarily lift or permanently remove it, how was it possible for numerous credit card companies to obtain access to my account in order to issue credit cards to someone besides me? Enclosed please find two letters I sent you on XX/XX/XXXX and XX/XX/XXXX where you allowed this to happen previously. 

This has created a nightmare for me, since now I have to contact each individual company and convince them that I didnt authorize them to issue credit cards to these individuals because of Experians negligence. 

I would appreciate if Experian addressed the above issue ASAP,  since was done without my authorization, and also take the necessary steps to prevent this from happening again.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-03
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Acima digital was paid in full and settled, they provided a letter of settlement but yet still have not reported transaction to experian, and negative comments incorrect balance owed remains on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The loan company Western Shamrock sent an txt message to someone who is not me discussing a debt I supposedly owe. I had reached out to them and advised I did not have a loan with them. They have now reached out to someone not even related to me. Disclosing my name and amount owed. This is embarrassing and humiliating. And quiet frankly against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was targeted for an offer to open a Citi Checking account and gain XXXX XXXX  XXXX if I met the requirements. The requirements were to spend {$1000.00} with my debit card and make two direct deposits totaling {$1000.00} or more. The terms clearly say the miles will post to my account within 30 days of completed requirements. 

I opened the account on XX/XX/XXXX, completed all requirements on XX/XX/XXXX and have reached out to Citi twice. They continue to give me the run around and no straight answers. Thanks for looking into this!

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 2022-06-10
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX  XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2023-11-01
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I closed on a home equity line of credit on XX/XX/. At this time, US Bank stated that I was required to pay off three outstanding credit cards in order to receive the HELOC. I had stated at this time, that I did not recognize one of the accounts and did not have a credit card with XXXX XXXX XXXX XXXX. The loan officers said that it did not matter, that I was required to mail the check anyway. I mailed the check after it arrived via USPS. The check was allegedly cashed on XX/XX/. I called XXXX XXXX, XXXX XXXX, and US  Bank to locate where the funds were deposited, and none of the banks could provide me with information. XXXX XXXX and XXXX both said I did not have an account associated with my name, SSN, or date of birth. They could not locate where the check was deposited if I was not an existing customer. US Bank said they can not locate a check or what account it was deposited into after it has been cashed. As of XX/XX/XXXX  - the check for {$750.00} is missing and unable to be located.

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 2018-07-28
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted CBA ( Collection Bureau of America ), multiple times via mail and telephone to inform them that I have never had an account with XXXX XXXX  or given anyone permission to open an account in my name with this comapny. I have also disputed this information with XXXX, XXXX, and XXXX. I have sent them proof of my identity, proof of social security number and proof of my address and asked them to stop reporting this information on my credit reports as the account does not and never has belonged to me. I have asked both XXXX XXXX   and CBA to provide a copy of the contract or credit agreement that I signed and to date have never received this information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit 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:
In the beginning of this year 2023 Im not sure the exact date because I have been through XXXX fraud claims for this exact transaction. The first claim was resolved the second claim I had to get a whole new credit card account for my credit card that was resolved. The third claim the denied and they are denying to reopen the claim about a transaction of {$7000.00}. I cant remember the exact amount and it wont let me look up the amount on my account, but it was a transaction for almost {$8000.00} for a car rental company that I did not make but the bank is refusing to re-open the claim and its also refusing to refund my money back because they claim that the rental company has provided my name and my credit card information to them. Confirming that it was a transaction made through me, but I did not make a transaction at a rental company. I didnt even have a valid drivers license at that time so Im not sure if it was someone around me or someone they had access to my information but I keep calling and trying to resolve this situation but the bank is not helping at all anymore and are refusing to resolve this situation.

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 2019-10-16
Company: Convergent Resources, Inc.
State: OK
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:
I have a debt reported on my credit report from Convergent Outsourcing. It is for a debt claimed by XXXX. 
On XX/XX/2019 I submitted a request to XXXX to validate the debt in writing or remove the incorrectly reported account from my credit report. 
On XX/XX/2019 they mailed a letter refusing to remove it. They have not provided any proof in writing that the debt is mine. 
I do not owe XXXX anything and request XXXX XXXX to remove it from my report.

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 2023-11-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following are hard inquiries placed on my credit report without my knowledge or permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-08-13
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number 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