BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX and Transunion credit bureus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the list of account and Inquiries that are still reporting on my Credit Reports : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-20
Company: EQUIFAX, INC.
State: IL
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 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 accounts 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 Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In 2017, right after the huge data breaches at the credit reporting companies, I put a " freeze '' on all 3 credit bureaus. XXXX, XXXX  and Experian.

I am now trying to refinance and need to " unfreeze '' my credit reports. Simply done for XXXX   and XXXX. Experian is another story. I have tried for 2 weeks to get a person on the phone. I have the original PIN they gave me, and it does NOT work. I have followed the instructions, sending all my personal info, my drivers license and a utility bill through the regular mail. In a million years I would not have chosen to send such sensitive information by mail, let alone all on one page, everything someone would need to steal my identity. Why even here, I'm asked NOT to offer this information. How can a company I haven't employed hold me hostage. How can this be sanctioned? They have an enormous effect on our lives and yet they are immune to any questions or interaction. I have the highest credit rate, over 800 on all three and yet I feel like a criminal. I have been on pins and needles praying my personal information and my identity are secure. As of yet I have not received a single communication from Experian. I have no idea what the status of my request is. I don't understand why the PIN doesn't work, why there is not a chance of getting a person on line but mostly how they get away with it. I have not asked to be on Experian and yet they seem to be in charge of my finances.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-04-14
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX two checks were cashed that were written XX/XX/XXXX & XXXX XXXX. ( Two years and one month ). Complaint was sent through XXXX XXXX XXXX XXXX  to Navy Federal Credit union ( place checks were cashed ). Navy Federal denied the claim because stale dated items are not guaranteed they said.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MO
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 number XXXX, XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2019-10-04
Company: SYNCHRONY FINANCIAL
State: CA
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:
The credit card is issued on Synchrony Bank and the card is Walmart.com.

Walmart.com closed the credit account after I submitted a promise to pay on past due balance. 

The credit card company is still reporting to the credit bureau after closing the account and is lowering my credit score by 5 points.

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 2017-12-03
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX night I bought a tv and XXXX from Best Buy. At the checkout the guy told me I could get 10 % off if I applied for a card. During the process their system froze. They told me it was happening all night. I purchased the stuff on my regular credit card without getting the 10 % off. Later I received an email welcoming me to the credit card. 
I called today to tell them they card was a fraud because I never finished the process. They said they would cancel it. They then said they wanted me to verify my address so they could send me correspondence. I told them they have my permission to open the account in the first place and I would not provide them additional information. I also told the I was contacting CFPB.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
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 2022-08-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, we closed on our house paying $ XXXX in earnest money, down payments and mortgaging fees and secured a money purchase loan ( Loan Number : XXXX ) of $ XXXX for our residence. 

Upon recent review, we discovered the lending institution, XXXXXXXX XXXX XXXXXXXX d/b/a The Branch Banking and Trust Company ( BB & T , now Truist ) prior to our closing, assigned our loan to BB & T of North Carolina on XX/XX/XXXX, before their effective servicing date of XX/XX/XXXX. ( See attached This caused us to make further inquiry. On XX/XX/XXXX, we made a call to BB & T asking for a copy of our complete closing package, and all information concerning our loan. The representative informed us that our loan was paid off by an investor, and contradicting information that our loan had never been released. She assured us that she would send us information on the date, and party who paid the loan and confirmation as to the loan having been never released and that we should receive the information within 48 hours. This has not happened! We were even forewarned that the company might withhold the information she ( their customer representative ) was going to attempt to send. 

It is our suspicion that BB & T ( now, Truist ) never intended to send us this vital informationas it only highlights errors made on our loan and augments yet another disservice to hundreds of thousands of other American Consumers, in addition to the XX/XX/XXXX, Settlement Agreement between the United States for identical allegations. 

We are asking the CFPB for any assistance in obtaining this fiduciary information from this illusive and evasive company. 

Regards, 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 2017-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am writing to file a complaint against Comenity Bank for engaging in predatory lending practices. In XX/XX/, I made a jewelry purchase at a store where I was coerced by the sales representative to sign up for a credit account with Comenity Bank. 

The sales representative promised me a XXXX interest-free financing plan for the purchase, which I agreed to and signed the contract. However, I recently found out that interest started accruing after XXXX months of financing, which has resulted in me owing XXXX times the original amount that I borrowed. This is an utterly unacceptable practice, and I am in a state of shock that Comenity Bank has been allowed to engage in such practices. 

I strongly believe that the sales representative from the jewelry store deliberately misled me into signing up for the credit account by misrepresenting the terms of the financing plan. I had no idea that interest would start accruing before the XXXX period was over. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigates this matter and takes appropriate action against Comenity Bank and the jewelry store for engaging in predatory lending practices. Additionally, I request that Comenity Bank rectifies this situation and reverses any accrued interest and fees that were wrongly applied to my account. 

I appreciate your attention to this matter and look forward to hearing back from you regarding the steps that will be taken to rectify this situation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-04-26
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
The unverified account indicated below continues to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$4100.00}

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 explanation
Consumer complaint received 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid 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/2023 at approximately, XXXX, I talked with a representative by the name of XXXX XXXX Capital One. I called to verify that the XXXX XXXX fee would be covered with my type of Capital One Venture card. The representative assured me that the charge would be covered. The charge is {$100.00}. He stated that it normally takes 1 to 2 billing cycles to be credited to my account. On XX/XX/2023 a purchase was made for XXXX XXXX which was in the amount of {$100.00}. I called Capital One on XX/XX/2023 to ask about the credit and was told by XXXX a Senior Account Manager in the Customer Resolution department located in XXXX, FL that they would not honor the {$100.00} as it is not a benefit of my card. He gave his Employee ID # XXXX. I explained that I was told by their representative that it was a covered benefit, and asked him if he could retrieve the call. He stated that he had seen a call and it was 13 minutes long, therefore he would not listen to it, and could not escalate it to anyone to listen to it. He said he would give a credit of only {$78.00} which is for TSA Pre-check, but would not do the {$100.00} for XXXX XXXX. I told him that was not fair as I was told by a prior rep that the fee would be covered. This is unacceptable that they have proof of what was discussed, but will not honor what their representative said would be covered. That was the purpose of my original call to verify the full charges would be credited by Capital One. Please help rectify the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo bank always allows companies into my account even when I didnt authorized them to take no payments.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX  XXXX {$620.00} XXXX XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$930.00}

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 explanation