BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Theres two hard inquiries on my credit report that I dont know anything about I did not request this from. XXXX XXXX, this is unfair

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 2020-08-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase loan I have been trying to get a yes or no on a question since XX/XX/2020. Very simple but every time I finally get through they don't know the answer, say they are going to forward to somone else, then they disconnect me. 

My husband passed away XX/XX/2020, I just need to know if the re-fi had any type of credit life that would pay off the loan. Very simple question and answer so I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXXXXXX.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.

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 2020-08-13
Company: Sequium Asset Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Effective XX/XX/2020, An account from XXXX XXXX was entered to my credit report. They previously submitted a collection letter both from XXXX, and Sequim. I demanded proof of debt, and neither XXXX  or sequim responded. I did not have an account with them. I want this debt removed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2020-08-13
Company: EQUIFAX, INC.
State: MI
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:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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:
I find Transunion and specifically as it pertains to their XXXX XXXX score to be defamatory & grossly negligent as it pertains to my score. For absolutely NO reason my score is 140+ POINTS LOWER with Transunion than it is for XXXX & XXXX !! All 3 reports are an almost CARBON COPY of one another. There is NO logical reason for this - Also, I notice for some reason that my score takes daily drops and advances of up to 20 points on an almost daily basis. This is NEGLIGENT & DEFAMATORY towards me!!! Please revise my score. This all seems fraudulent and in some form a scam for banks to charge higher interest rates and/or deny credit to lenders that only use Transunion, This is defamatory and negligent, 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 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
On XX/XX/XXXX, while on the Bank of America ( B of A ) website, I saw an unauthorized charge posted to my business XXXX. The charge was for {$100.00} and the merchant was listed as " XXXX  # XXXX ''. I promptly called the number on the back of the card and told the B of A agent about the unauthorized charge. She transferred me to another department where I was left on hold for XXXX minutes. I hung up and wrote a letter to B of A asking them to reverse the unauthorized charge, that I had " NEVER purchased anything from this merchant and there is no way for me to contact them directly. '' I mailed this letter to the address for billing inquiries on the B of A statement. I received no reply from B of A and I saw they had not reversed the unauthorized charge, so I sent a second letter repeating the same facts on XX/XX/XXXX. Still no response from B of A. On XX/XX/XXXX I sent a third letter repeating the same facts, but I sent it to an address hidden on pg XXXX of my B of A statement. I finally received replies from B of A asking me for " additional information ''. The information they asked for had already been provided in my previous letters, and on XX/XX/XXXX I sent them a letter saying so. On XX/XX/XXXX I received a reply dated XX/XX/XXXX denying my " claim '', talking about me not being satisfied with the " service '' the merchant provided. I never said anything like that! That same day I sent a reply to B of A that I was not satisfied, and they obviously had not conducted any investigation of my claim. I received no reply. On XX/XX/XXXX I sent a certified letter to B of A detailing all of the above and repeating my assertion that this was an unauthorized charge and they obviously did not conduct any investigation at all. I received no reply,

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 2022-10-05
Company: EQUIFAX, INC.
State: AZ
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:
I have tried for months to get my credit report from myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report online

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX said that I did not pay XXXX or XXXX on time. 
THey offered a corona virus relief plan where you dont have to pay for 2 months consecutively. 

THey ended up reporting these 2 months as lates. I called to make a payment to " get current '' to bring the account in good status as I did not know they had deemed me late. 
I had to re-request them to put me on this corona virus plan. THey claimed they did but I did not receive a letter once again. 

I want to keep the account in good standing. They also have the balance over charged due to identity theft where I did not make or use all those charges. 

THe true balance should be {$3800.00} approximately. I have been incurring interest on charges I did not make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Affiliated Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affiliated Acceptance Corporation diligently and willfully violated several federal laws. I reached out to them to validate this alleged debt ( obligation ) they attempted to collect as a debt collector. They stated that this account was closed in XXXX and they instructed the bureaus to delete it. However, this does not excuse them from blatant willful violations of federal laws. There is no statute of limitation on fraud. U.S v. Throckmorton 98 U.S. 61. Attached below is my first Affidavit of Truth to AAC notifying them of all their willful violations of federal law and outlining my demands to resolve these issues without any litigation. All my demands included in the attachment below are not request but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, federally protected consumer and natural person. If Affiliated Acceptance Corporation chooses to deceptively delay and/or state false information regarding this issue to avoid providing all my demanded remedy swiftly. I will continue my private administrative process and things will only worsen for them as this process goes on because they have caused me severe injury which is all outlined in my attachment below. I advise whoever at Affiliated Acceptance Corporation who receives this CFPB complaint and Affidavit attachment to forward it to your executive leadership team and legal team. Such individuals will understand what this documents signify and mean at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was shopping through a third-party seller app called XXXX on XX/XX/2020. The seller told me that the reason I couldn't check out was because some problem with her XXXX  so I sent money for the product through PayPal. I sent her {$55.00} dollars which was transferred to pounds with a {$2.00} fee from PayPal. The next day on XX/XX/2020 I get a message from the same seller saying that her account was hacked and she was never selling the shoes. I immediately filed a dispute for an unauthorized transaction with PayPal because this person was not real and scammed me. PayPal denied my dispute on XX/XX/2020. I've tried to reach out to PayPal but to no avail they're not helping me. The only reason I sent money in the first place was because this person had 5 star reviews from over hundreds of people which is why I trusted doing a transaction with PayPal. Since her account was hacked, I had no way of knowing and I am being punished for someone hacking a seller 's account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America suddenly froze my accounts and debit cards on the afternoon of XX/XX/2020. 
I called and they mentioned my accounts were closed. 
Clearly that was not true because i received an email indicating a continuation of one of my subscriptions connected to a card i have with them. 

I was told it was a business decision. I was not given any details whatsoever and im demanding i withdraw my funds immediately. 

This is not fair! 

Checking account # 1. {$1900.00} Checking account # 2. {$1700.00} Business Account # 3. {$6600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: ALLY FINANCIAL 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 have a loan with XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2021-03-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
The transaction was done at XXXX on XXXX XXXX in XXXX XXXX Texas I deposited cash {$460.00} on my PayPal cash card account at XXXX business center I got a receipt of cash deposit with reference my PayPay cash card last 4 digits of my pay pal master card number this is a routine transaction that I have done before and usually money is in the account in 10 minutes but this time when there is a pandemic going on in money so tight it doesn't go through and PayPal says that you don't know where the money went XXXX says you have to call the card issue or we did our job so I didn't do anything wrong I followed the proper channel offered by PayPal that works all the time and didn't break any rules or any guidelines any fine print I have receipt for it and they don't want to even acknowledge it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021, I paid the full amount for both my leased vehicles. I have been waiting for my titles for the past 2 years. They said they sent it to my home address but I have never received anything from Hyundai Motor Finance. I have called them number times and have even sent them a check to request my title. They give me the run around and have even hung up on me multiple times. 

I need the titles to BOTH my vehicles before the end of the year.

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 2021-11-30
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, XXXX ran my annual background check, checkr returned the report with a consider because theyre reporting that a ticket on my dmv report is listed as a reckless driving/negligent driving/inattentive driving offense. The violation code listed is 22106, the code is correct, their definition or description is wrong however. 22106 is unsafe stopping or backing on a highway. In multiple emails with supporting documents to show their information is incorrect, they have not fixed this issue and as a result Ive lost my ability to drive with XXXX because they believe I have a charge of reckless driving when I do not. Ive provided checkr the court summary and hard copy ticket which clearly state the correct definition for cvc 22106, and that the offense is only an infraction. No person from checkr has responded to my emails or called me, and they have just rerun their inaccurate report which isnt coming from the dmv. Ive contacted the dmv and the courts and theyve confirmed they are not reporting what checkr is stating. What is simply a clerical error has now become a major issue as any background check run by checkr makes it look like I have a misdemeanor driving offense that doesnt exist and would disqualify me from transportation minded jobs.

Company response to consumer: Closed with explanation