BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022.

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 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
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:
XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  Inquiry : XX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXXXXXX 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 2023-08-22
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 accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reorting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Tranunion and XXXX has repeatedly violated my federal protected consumer rights by publishing negative information on my 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 explanation
Consumer complaint received 2023-08-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
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 received a notice from XXXX XXXX that a new hard inquiry showed up on my account from Fifth Third Bank today ( XX/XX/2023 ). I have not applied for any credit cards or loans recently, let alone today while I was at work all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Consumer reporting agencies, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a charge off with Kohls/Cap One showing up on my credit report but when i call them they can't find my account. I also have a collection for Kohls on my report and when i have called to find out about it they tell me that it's past the statute of limitations and they can no longer collect. I can't seem to get this account removed off my credit report or at the very least paid. Can someone please help me to get this removed. I have tried to get this resolved but had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company claim to have bought the debt from another auto company. The are refusing to provide validation letters. I have requested over 5 times and sent a certified letter. They continue to call and request payment and every call i request for validation. They have now posted to the credit bureaus with no proof of owed debt. The information as date and amount due is incorrect. The debt was also apart of a bankruptcy. This company is a debt collector and are posted on my credit as a open auto loan they are not a financial agency.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my 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 explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX acct # XXXX {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXX ) or XXXX  XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}

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 non-monetary relief
Consumer complaint received 2023-08-22
Company: Uplift, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have been a XXXX XXXX for over 50 years used XXXX XXXX i was going out of XXXX was told to cancel and pay off which i did, i just got back and asked for a new card as XXXX  left XXXX  and accounts were sent to UpLift aka XXXX XXXX  the company says i have adverse action i do not, As a XXXX Veteran i feel I am being discriminated against. 

UpLift and XXXX Bank have continued to mislead and lie to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: HYUNDAI CAPITAL AMERICA
State: NM
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On my XXXX statement Hyundai Motor Finance ( HMF ) started charging me sales tax on my leased vehicle ( following my move from MD to NM ). However, since I initially leased my vehicle in MD, I paid all the sales tax on the full purchase price of the vehicle up front. I started calling HMF in XXXX to resolve this issue, and now, in XXXX of XXXX, they STILL have not removed those fraudulent charges. 

Back in XXXX of XXXX I was told by someone in Customer Service that all I needed to provide was documentation from the NM  DMV to prove that I owed no tax on the vehicle. I faxed that documentation ( my Application for Vehicle Title and Registration ) on XXXX and called shortly thereafter to confirm it was received by their sales tax department. That document ( signed by the MVD ), explicitly states that the tax due on my vehicle is {$0.00}. However, on my XXXX statement I was AGAIN charged sales tax. 

At this point, I have been lied to numerous times by different people working at both HMF Customer Service as well as their Collections department. I have been told at various times that they are collecting sales tax for the state of NM, the XXXX XXXX XXXX  XXXX, and even the state of MD. None of those are true, as evidenced by both the DMV documentation I provided, as well as the fact that HMF started charging me this additional fee in XXXX of XXXX, while the vehicle wasn't even registered in NM until XXXX. 

Now HMF has escalated to harassment - I get calls almost daily from their collections department, and when I try to reach back out to Customer Service to figure out why they haven't removed the illegal sales tax charges, I always get routed to Collections. Even worse, when I talk to Collections and ask them to transfer me to a Supervisor or Customer Service, they tell me they won't unless I pay the " past due '' amount. Now I am literally being extorted for {$90.00} just so that I can talk to Customer Service and ask them why they haven't done their job. 

In short, HMF has been dishonest, harassing, and illegally charging me for " sales tax '' for over 6 months. I need help resolving this issue, because HMF is unwilling to acknowledge the fact that they are extorting me for money that I do not owe the state of NM.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my frustration regarding the unresolved issues in my credit file resulting from an alleged identity theft. While I appreciate the removal of some information, there are still accounts that require immediate attention. According to FCRA section 605, it is mandated to remove any accounts listed on Identity Theft Report # XXXX, which I have previously submitted and am including again with this letter. I want to emphasize that I have informed my attorney of these ongoing concerns, and they are prepared to take necessary actions to ensure accountability for willful noncompliance. XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-08
Company: CITIBANK, N.A.
State: MD
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 have a government travel card. I was on travel from XX/XX/2023 to XX/XX/2023 in XXXX, Arizona. While there I attempted to use the ATM for a cash advance but the machine was not working, and did not dispense funds. On XX/XX/2023 I was at work in Maryland when I received a notice of a declined transaction, over the spend limit. I didn't recognize the amount, and called Citibank to report. They closed the card, and issued me a new one. I contacted Citibank many times, to resolve and offered to provide proof I was not in Arizona during the charge times. They asked me to contact the ATM vendor, which I did. The ATM vendor confirmed the machine was out of service during my stay, however noted that their records were in balance the first time I spoke to them, and the second was that it's too far back to verify. Citibank investigated and because a chip card and pin was used, they are saying I'm responsible and they have sent me a letter notifying me of the such. I did not withdrawal {$480.00}, and am not responsible for this issue. 

I did speak with a person named XXXX who said my complaint was not filed correctly, and apologized for the mis-handling of this issue... but the result was the same as prior. I have not been able to contact him directly since.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2023-08-22
Company: Block, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A square Inc. card reader was received in the mail a couple of months ago. Unable to send back as the address is very generic. On XXXX, a debit Mastercard was received in the mail. A call was made on XXXX to Square Inc. to advise this was not ordered or opened by myself and requested the account closed. The representative would only say they will escalate it and let us know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a {$10.00} cash advance fee for an online purchase ( charitable donation ). Wells Fargo refused to refund me and recommended that I ask every single merchant how they process their transactions before submitting one.

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 2020-06-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a mortgage statement dated XX/XX/20 requiring a reinstatement fee of {$45000.00} within 10 business day can you supply a breakdown of the 1. - {$7100.00} in escrow please send the breakdown of how you arrived at this figure 2. XXXX in late fees please send the breakdown of how you arrived at this figure 3.  {$8300.00} XXXX in XXXX XXXX XXXX XXXX please send the breakdown of how you arrived at this figure 4. {$5400.00} unapplied funds please send the breakdown of how you arrived at this figure 6. {$890.00} attorney fees please send the breakdown of how you arrived at this figure 7. {$800.00} attorney fees please send the breakdown of how you arrived at this figure 8. {$11.00} property inspection please send the breakdown of how you arrived at this figure In addition i am requesting inclusion in the Emergency Forbearance Plan and my rights covered under the Cares Act and any other plan offered to delay defer fees and payments for 12 months 9. Has any agency including but not limited to Goverment, State , County directed you Bayview or XXXX to proceed with Forbearance or delayment of payments and fees without requiring mortgagees to file documents to get this consideration?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid 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:
XXXX did not send me a bill for my purchase in XXXX. When I called today they said they emailed it to me. I explained I do not get bills electronically and only get paper. They did this to my spouse too. Please someone look into this. So many people are going to get lat fees and interest charges for something they did not sign up for. 

Respectfully, 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 explanation
Consumer complaint received 2019-09-04
Company: AUDIT SYSTEMS,INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was told I owe a debt of {$38.00} from 2 and a half years ago. I was not given any information on the debt. I was not sent a bill for this. I was not notified for over 2 years concerning this debt now I am constantly harassed by phone. I do not owe this debt. I want this action to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation