BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my follow-up 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 : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 2023-03-30
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 XXXX # XXXX XXXX, # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX, # XXXX US DEPT OF EDU, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX # XXXX ARS # 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. 

1

5 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
- XX/XX/XXXX XXXX : I receive notice of a declined purchase from XXXX for {$100.00}. I check my account and balance and transactions. It appears that, in error, the {$100.00} was submitted twice, and possibly being refunded to my account once. This has happened before with an unrelated transaction, and the agent said that the error would likely resolve at midnight. This error also initiated a fraud alert, which it did last time. 
Just in case, I also initiate a payday advance via XXXX for {$250.00}. Theres about {$80.00} in my account. 

- XX/XX/XXXX early morning ( XXXX ) : I get an after-midnight fraud alert, which surprises me. I have a negative balance, which also surprises me. I review transactions again and realize a check for {$430.00} I had forgotten has begun processing in my account. I do another immediate XXXX transfer for {$330.00} and confirm the account is positive by about {$200.00}, even accounting for the surprise check, before logging off of the app. 

XXXX XXXX : I see in my email that theres a value load of {$800.00} ( child support ) on my Bank of America MD epic card , so I transfer it to my unconnected checking account. To my surprise, I get email notification of the direct deposit of {$800.00} at XXXX. My balance is now about {$1000.00}. I transfer {$200.00} to a savings account, leaving the checking account balance at about {$800.00}. 

XXXX XXXX : I receive notice that the {$430.00} check is not being paid due to insufficient funds. My balance returns to about {$1200.00}. 

When I call Bank of America, they insist the check was processed yesterday, despite my confirmation that it didnt. They tell me yesterday, when the check was processing, I only had {$330.00}, and it wasnt enough. I also realize that the ending balance on XX/XX/XXXX is- {$130.00}, which it was not. Despite the money being there, the agent and the manager told me the check would be returned, there was nothing they could 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 2022-03-22
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have had multiple calls in XXXX, where I explained I was without a job and looking for more work. I do have cards that were open and I was trying to pay them down but with the part time job I have Im struggling to stay afloat now. The company seemed to want to work with me. Then I started to get the auto-dial calls where I would answer and then it be silent for about 10-15 seconds then someone would be there. So I stopped answering. Then today I get a voicemail when I come out of a interview and Im being told in the voicemail I need to get a lawyer and if I dont have one they will help I wish I done my research before going with this company, because there are thousands of reviews on them doing the same thing to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 2023-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
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:
First off, I had financed through XXXX Toyota in XXXX XXXX, on XXXX, have an over XXXX credit score the best APR they gave me was 72 months 8.89 % after I realized that there were lower rates, I called Toyota in XXXX to get a lower APR, saying that with an XXXX credit score I should have received a better offer. They told me they could give me a 6.9 % APR, this involved them checking my credit, another hard inquiry, and {$340.00} servicing fee. I declined. I have the Toyota servicing app, on the app I can not see how much of my payment is going towards principle or interest, I called on XXXX, I was on hold for XXXX mins, on the phone with the Toyota representative for an hour, no resolve! Payment history should be transparent. Can you help me with this later half of this complaint?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: AmeriHome Mortgage Company, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Escrow analysis was performed in XX/XX/XXXX. At this time, Amerihome mortgage company erroneously requested the taxes due for the parcel belonging to our neighbors. This added approximately {$800.00} to our taxes and put our escrow in an approximately {$1900.00} shortage. Monthly payments as of XX/XX/XXXX went up from XXXX to XXXX. In XXXX, we requested information regarding this increase as our taxes had not gone up and were told that this information is accurate and in accordance with taxes paid to the county. Due to COVID closures, we were unable to gather information from the county in a timely manner. 
XXXX we were able to receive an answer from the county and learned that we were charged for our neighbors property taxes. We contacted the company via phone several times and were told requests were put in to correct this. We received no answer as to when we should expect a refund or whether we should expect one at all, and were expected to continue and make the increased payments in the mean time. 
On XXXX we contacted the company via email and received a response from their escalation department. We were then told that our payments could not be recalculated until the company received a refund from the county, and that should be expected XXXX XXXX ; however, no automatic payments will be withdrawn in the meantime according to Amerihome, and they will allow us to make reduced payments in the meantime. Today, XX/XX/XXXX, we received an email stating that an automatic payment is being processed. We have not heard anything regarding resolution of this matter, other than an email notifying us that they are still waiting for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
During the holidays, I opened a Comenity Capital Bank Ultimate Rewards Mastercard with the sole purpose of only using when needed around XXXX time. Once the card arrived in the mail, I stowed and put away with my belongings where no one had access to it. The balance was then paid, and did not receive a letter or email from Ultimate Rewards until the following year stating I had an unpaid balance from multiple purchases made during the summer of that year. Immediately I filed a fraud dispute on XX/XX/2023 stating the circumstance, and an Investigation was then opened. On XXXX, XXXX I received a letter from Comenity Capital Bank Utimated Rewards Mastercard stating that I am not responsible for the disputed amount balance. In addition to claims that they will send out the same letter to the three national reporting credit agencies to remove this account from my credit bureau, and to expect updates within 30 to 45 days. It is now XXXX XXXX and I have yet to see any updates, except for a continuous drop in my credit score due to this outstanding balance and late payments being recorded each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was an apartment I applied for called XXXX XXXX on XX/XX/2023. I paid my application fee and my move in date would have been within that same week. I never heard back from the company. I called a few times but no one ever answered the phone. When I finally got a break from my work schedule I stopped by there was someone in the office but they just sat there. No one came to open the door. So I left a XXXX review. A property manager responded. She said I was denied because they couldnt collect the application fee but I have proof it was take from my account. So as I was looking through my spam folder I see a email from National Credit Management. So a PDF read that I owed fees for an apartment that I dont leave at and never signed a lease and the reason for denial was fraudulent information which is complete defamation of my character and false. The information they submitted to National Credit Management contradicts the email correspondence. They are trying to collect a fraudulent debt. The management is upset about the honest review I made on XXXX. The email management sent said I was denied because of my application fee or NSF. I will be seeking legal action. They made a invoice with a fraudulent reason to try and justify the amount they are trying to collect. But XXXXXXXX apartment manager lied. I told them I was not interested in living there do to there lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be removed immediately.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: ME
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 financed a used car purchase through XXXX XXXX XXXX  on XX/XX/2016. I immediately enrolled in auto-pay and made all payments on time for the duration of the loan. With absolutely no notification the company unenrolled me in auto-pay without my permission, and then reported my account as 60 days late. I paid the final payment and closed the account immediately after I became aware of the issue. 

Despite this, the company reported the account to the credit bureaus, and it is still negatively affecting my credit score. I have reached out to XXXX XXXX XXXX  about this multiple times and they have been totally unresponsive.

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 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these inquiries to be pulled on my credit file.

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 2019-01-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I set up auto bill pay to automatically pay the minimum. At this point I was told the normal payment method of transferring it online automatically was wrong and I needed to cancel it. I noticed it didn't come out automatically in XXXX and on XX/XX/XXXX set up auto bill pay again. At that time the system was showing I owed XXXX dollars as the monthly payment. On XX/XX/XXXX I got a call saying it was past due and I never got anything in the mail nor call before then. I paid the balance in full of XXXX. On XX/XX/XXXX when the card was at a XXXX balance they processed a payment of XXXX again. Then realized their auto bill pay was all messed up and credited it back to me on XX/XX/XXXX. I got an alert my credit score had dropped due to a 30 day late payment for the month of XX/XX/XXXX. I disputed that and got no where with the creditor even channeled it up to legal and compliance. I then disputed it with all 3 credit bureaus. Finally I am filing a complaint as a last ditch effort before getting a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6 dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MD
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:
In fall XXXX I had placed on my credit report from Account Resolution Center a medical collection debt on my credit reports with XXXX, XXXX and Equifax. I disputed the validation of the debt with the agencies. XXXX and XXXX deemed that after Account Resolution Center provided them only a copy of their own internal account link and debt number where I never created any account with them nor provide any of my personal information with this agency had it deleted. Equifax however viewed it as being valid even though I was never provided any documentation proving the debt is mine. I have sent a personal statement contesting the investigation on XX/XX/XXXX via certified mail which as of XX/XX/XXXX I have had no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

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 2018-03-19
Company: AMCOL Systems, 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: Information belongs to someone else

Complaint:
I have disputed multiple times with XXXX, XXXX and XXXX  regarding the inaccurate reporting of AMCOL SYSTEMS. Multiple account are being reported that are not mine. 

Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXXXXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: DISCOVER BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or around XX/XX/2023, Discover violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with Discover. I have been diligently paying off my credit cards in an effort to buy a house and Discovers actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe Discover intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my Discover balances to the new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: IL
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:
I am submitting to you for the XXXX time, serving both as a complaint and a follow-up concerning my upcoming credit report update within the next 15 days. This issue was initially raised in my complaint dated XX/XX/XXXX. As outlined in my previous correspondence, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are mandated to remove any items not later than 4 business days after XX/XX/XXXX, as per the details listed in ID THEFT REPORT # XXXX. Regrettably, this matter persists, and I am reiterating it here for your attention. The following items require immediate removal : 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: Closed with explanation