BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I contracted XXXX XXXX XXXX numerous times to request the deletion of the unauthorized inquiry on my credit report. XXXX stated I had no active account with them to remove the hard inquiry. XXXX rejected my request due to no signs of an open account with them. I didn't authorize this inquiry and I would love for it to be removed on my TransUnion. The inquiry was reported on my credit report on XX/XX/2019.

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 2023-11-27
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company did not provide me with the adequate info to me to valid the account was mines. Between XXXX XXXX 2023 the LVNV Funding LLC collections account was reported closed and they still didnt verify the account with my signature or verbal authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX . Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a credit card from Bank of America with a XXXX XXXX limit ( account number XXXX ). The last time i used the account was XXXX. In XX/XX/XXXX the account was closed by Bank of America claiming i owed money that i disputed. The derogatory item remained on my credit reports for almost seven years. It then disappeared in or about XXXX. The account remained closed as of XXXX i have never used the account ever again. 
In early XXXX the same account surfaced again on my credit report in XXXX showing a late payment in XXXX. Obviously i have not used it since XXXX and XXXX was the last time account was used. After disputing it with the credit bureau, I called Bank of America. They confirmed that the item is from XXXX. But refused to remove it without any explanation. 
It affected my credit score and ability to secure loans.

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 2022-05-02
Company: HYUNDAI CAPITAL AMERICA
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a car from Hyundai and got the loan through Hyundai Finance. Within a month of the purchase I received a lower interest rate from my bank and refinanced the loan. My bank paid the balance on XX/XX/XXXX and Hyundai Finance took an auto payment out of my bank account for {$500.00} on XX/XX/XXXX. I called to let them know that a refund of this payment was owed. They then sent me a check for {$66.00} which bounced at my bank and I was then charged another {$30.00} from my bank. Hyundai Finance has held onto my payment calling it " interest '' The loan was for {$24000.00}, taken out on XX/XX/XXXX at a rate of 2.5 % interest. The length of time this {$24000.00} was borrowed was from XX/XX/XXXX to XX/XX/XXXX, or a total of 39 days. The interest owed after 39 days should only have been XXXX. The total payments made were {$24000.00} from my bank as the payoff and {$500.00} that they took as an auto payment. The total amount owed should have been {$24000.00} and they should be giving me back {$500.00} for the over payment and now another {$30.00} for their bounced refund check for a total of {$530.00}. I first contacted the XXXX  and the response from Hyundai is that they will look into it. They have had my money for over a month now with no refund issued.

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 2017-03-24
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Other fee

Complaint:
I saw some charges on my Discover credit card statement that I had never noticed previously ( I having been carrying a balance pretty much since I opened the card, but have n't actively used the card in a very long time since I wanted to pay it down ). Apparently they have been charging me monthly for something called Payment Protection Plan that I do not believe I ever signed up for. I called Discover to request they provide some kind of information on how exactly I signed up for this service and they refused to provide any additional information. The " best '' they could do is cancel the protection from my account and refund six months of charges that they were posting to my account. I looked this issue up online and apparently this has been a big deal for quite some time, and a lot of people have been getting charged without actually signing up for this service. I am quite unhappy that they are able to charge my account for something that I did not sign up for! They told me that I signed up for this " service '' back in 2011, so that is a lot of payments that I have been making without consenting to this program. I was guided to this site through this web page full of similar complaints : XXXX. It seems that the monthly payment averaged out around XXXX dollars, per month, for almost 5 years ( ~ {$960.00} dollars )! I know I should have paid more attention but I never noticed that single line item when I actually used the card, and have just been making payments on my balance ever since, not making new purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/11 someone used my information to try and obtain a credit card from Sams club. I reached out to Sams and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.

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 2020-04-13
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/11 someone used my information to try and obtain a credit card from XXXX XXXX. I reached out to XXXX and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sometime in 2021 I was preparing to purchase a home and went to check my credit report and noticed an account that I did not recognize ( XXXX XXXX XXXX ). I pushed the dispute button so that it can be resolved. During that time I called the XXXX XXXX XXXX numerous times and there is never an answer, i sent certified mail and have not gotten a response to the letter. Well busy life got the best of me and I forgot about the account because I was not financially ready to purchase a home. Last week I checked my report again and i noticed that the same account from XXXX XXXX XXXX was still there with just a notation that I disputed it. I contacted the credit bureaus to try to resolve and the put a fraud alert on my report and suggested I contact this agency to file a report 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2023, to remove the accounts that are UNKNOWN to me. The items have an erroneous status and it is detrimental if it remains in my file. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$3900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
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:
I called BMO on XX/XX/XXXX to initiate a dispute regarding an unknown charge for {$43.00} made in XX/XX/XXXX. 

I never use this credit card, so this charge was a surprise. It also caused an automatic payment to fail, as I was not expecting card activity for XXXX. 

When I called BMO to dispute this charge, I was informed that it was an " in person '' transaction at an Italian restaurant in XXXX. Because of this, I can only dispute the charge with a local police report. The merchant is located in XXXX. I am in the XXXX. 

I have never heard of this restaurant, though I was in XXXX in XX/XX/XXXX. I never used my card at a restaurant. In fact I have not used my card in the past six months.

I asked BMO to contact the merchant to request an invoice or receipt, but BMO refused unless I have a XXXX  police report. 

I have since closed the credit card account, paying the charge in question.

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 2023-11-29
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had a Barclays card for more than a decade. Around 3 years ago I put a freeze on the card and tried to close the account. Around 2 years ago I noticed on a credit check that the account had not closed and I went to close it again. Today I get a notice that they put a charge on my card and are asking for a past due balance. I went to figure out what's going on and to again try to close the account. The number listed on their site was for an apartment complex in New Hampshire. I messaged their service on their site to no response. The apartment complex gave me the correct number and I called multiple times however anytime the automated prompt asked for me to say representative it just hung up, similarly it hung up if I said " account closure '' after repeated attempts. I JUST WANT THISA ACCOUNT CLOSED!

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
DELETE XXXX XXXX ACCOUNT DELETE XXXX XXXX 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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: CAVALRY INVESTMENTS, LLC
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 status incorrect

Complaint:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far.

The courts have him paying our 1,000 a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XX/XX/XXXX and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX. XXXX XXXX is incorrectly collecting debt of {$69.00} for XXXX Account XXXX. All XXXX equipment was returned to XXXX and no bill was owed to XXXX as per my telephone calls to and from XXXX. But XXXX and XXXX. XXXX XXXX refuses to remove this account from my Experian, XXXX, and XXXX credit reports. I do not owe XXXX or XXXX. XXXX XXXX {$69.00} because the service with XXXX  was cancelled and all equipment were returned. 

Remove XXXX. XXXX XXXX. XXXX Account XXXX for {$69.00} from my Experian, XXXX, and XXXX credit reports. 

I will report XXXX. XXXX XXXX and XXXX to the FTC and FCC for fraudulent debt collection after equipment was returned and service was cancelled.

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 2023-11-26
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been in contact with Discover several times over the last few months. A agreement to settle the balance was made and subsequently the payments have been made for XXXX of the 36 month of payments. After several unsuccessful discussions they advised that they would report the balance owed, monthly payment history, date of the last payment. 
The balance due would show the remaining 13 months of payments which is currently reflecting the higher balance to which the settlement was agreed upon. The amount should be aproximately {$3800.00}. The discussion and agreement with Discover is that the payment plan would be done in good faith. Their lack of action is being done with intent to harm me and cause me difficulties moving forward. While I was relieved that Discover agreed to make the change they have not provided this update to the creditor. 
I have also contacted Discover in a attempt to determine if a option of a lump sum payment could be agreed upon in XXXX. This has been ignored and to my surprise they have not taken the opportunity to respond and honestly deal with me as a consumer. My health has been very bad and have been given a one time opportunity to pay the amount if Discover would provide a discount for lump sum payment. I will need 60 days to get the funding and if agreeable will request that the company please provide me a letter with the amount they will settle all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They accused me for sharing my login information which I had told them that I was the one who logged in on my phone for my dad to deposit the check in the amount of {$1800.00}

Company response to consumer: Closed with explanation