BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 2023-06-03
Company: SYNCHRONY FINANCIAL
State: ID
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:
Made payment in full for Lowes credit card in person in XX/XX/XXXX. I believe cashier inputted wrong amount leaving XXXX dollar balance. Balance unknown to me until I applied for home loan and on XX/XX/XXXX was notified of major delinquency for a total of XXXX dollars that was tanking my credit score with such a minute unknown account balance. Called Lowes immediately and they said I cant pay balance as they closed the account. I have a perfect payment history on the rest of my credit report and this small account balance in error is killing my ability to obtain home loan for a newly constructed home in which I have already put down a large amount of non refundable earnest money.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 Bank of America began deducting a fee of {$3.00} per month from my checking account for providing copies of checks written on this account. Neither I nor my wife ever requested or approved this service. I went to my bank and requested that this charge be discontinued and was told they could do nothing. I was told that I had to call the Bank of America service line to handle the problem. I began calling Bank of America on a regular basis and asked that the service be discontinued. I requested that I be given a refund equal to the service charges that I had incurred. Each service person to whom I spoke assured me that the deduction would be discontinued even though it might take up to 60 days. The {$3.00} deduction is still happening to this day. I need your assistance with this unlawful service charge.

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 2022-05-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have an account with Macy 's that is XXXX balance. I received an email today that said I had a statement. I called Macy 's and told them that I could not get into my account and that I do not owe Macy 's any money and why I was receiving an email statement. I was transferred to the Citi Bank Recovery Unit, which said I had a balance, but they could not discuss it with me since I could not give the date that my account was opened. I opened my email and gave them my account number and that I have a XXXX balance. They refused to speak with me regarding my account. I called Macy 's again to complain, and they said that I had to talk to Citi Bank 's internal recovery unit regarding my account. I told them that I wanted to file a complaint, but I was told that I had to resolve it with them. Then I was transferred to XXXX, who said he was checking my account. He stated that I owed {$1500.00}. I asked him where these charges stemmed from, and he said that he could not give me that information but that I should fax a letter to them stating that I do not owe any money and that they would take thirty ( 30 ) days to investigate. I am XXXX XXXX XXXX XXXX XXXX survivor, and I currently have lupus. I do not owe Macy 's a dime. I had to contact CFPB about paying off this couch I paid in full to avoid paying the interest, which was {$1500.00}. Macy 's accepted the payment, and there was never any information sent to me regarding the interest. I only found out about this today, and I am sick that they can do this, and this is happening to me when I had no idea what they were even talking about. The account number I listed is for my regular credit card which has a XXXX balance and a {$5500.00} credit limit. I do not have the furniture account number that this complaint is about. 
Thank you for helping me this information should be in a file from Macy 's before.

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 2021-08-20
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:
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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 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 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 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 XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA 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 explanation
Consumer complaint received 2020-04-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased appliances through XXXX XXXX  website and received a promotional period of no interest for 18 months with Comenity credit. I paid diligently over the 18 month period and paid of the last statement on XX/XX/2020 with a statement due date of XX/XX/2020. However the following month I received a bill with all the interest incurred over the 18 month promotional period. After calling the company they stated I had paid the last statement after the " promotional date '' but before the statement due date. I have paperless billing and when I paid my last statement, nowhere did it show a promotional due date on the physical website. I had to open the full paper statement to show any documentation of the date they were speaking of. Had I known straight from logging in to their website that the bill needed to be paid on XX/XX/2020 not by XX/XX/2020 I would have done so. After speaking with multiple managers they refused to do anything to mitigate this, refused to make any changes to the incurred fees, refused to offset the payments or remedy the situation in any way. All they could say was I was past they date and they Would not do anything. Not that they Could not, but WOULD not. This may not be fraud, however this was misleading to someone who chose to be paperless and was diligent about making payments to meet the deadline. They refused to make any changes to a paying customer who was on time on every bill. 11 days cost me nearly {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-30
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
My daughter XXXX XXXX, In XXXX XXXX XXXX made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. XXXX Affirm took the XXXX payment of {$26.00}. in XXXX  has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX and they have a lot of complaints about them not sending the orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================== 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ally Financial is practicing unfair debt collection My car was repossessed today and I have been told different information from 3 associates in regards to my information. I went online to make a payment and it was restricted due to me being " more than three payments past due '' on my account. However, if the account was not locked, I would be able to make a payment today. Also, my account says that I am only past due {$820.00}. That is not 3 months ' worth of payments. Also, when I called, one associate told me that my tow fee was {$120.00} because they used a flatbed. I recorded them on my security camera and it was not a flatbed. I have footage of it. I asked them if I could pay the car off within a few weeks, and they said no. They will not take any payments from me. FYI-The reason that I got behind is because I was XXXX XXXX XXXX XXXX, so I was unable to work like I needed to, but I tried to make as many payments as possible. In addition, my sister and her two sons live with me and she gets absolutely no help from either of their fathers. I tried to discuss a hardship payment opportunity in the past, but was turned down.

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 2018-10-21
Company: EQUIFAX, 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:
My student loan account is reporting late for period I was in forbearance. I have contacted Equifax numerous times to get this issue resolved, finally I had to contact the State of Georgia Attorney General 's office. I got a letter back from Equifax stating my late payment history would be removed, date XX/XX/XXXX ( letter is attached ). I waited over a month to see the information updated on my credit report however it was not. I contacted Equifax in the XX/XX/XXXX and talked to a rep, named XXXX, said he saw the dispute and did not know why it wasn't updated but all he could be is open another investigation. I also informed me that Equifax does have my forbearance letter PROVING my account was in forbearance during the period its reporting late. I just received my results back from that investigation and again Equifax did not correct that error. They only update misc information. I have attached a copy of the results and highlighted that they did not correct the error. I have an letter from Equifax stating this would be updated and admitting it is incorrect information on my credit report. This is a direct violation of the FCRA since they are knowingly reporting incorrect. information after acknowledging that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NM
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:
I never gave written permission to have any consumer reports checked under 15 US code 1681b which is considered fraud in you dont have it in writing. My id is attached to show my address

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I never gave written permission to have any consumer reports checked under 15 US code 1681b which is considered fraud in you dont have it in writing. My id is attached to show my address

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 2023-04-03
Company: PENTAGON FEDERAL CREDIT UNION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
So I have been months behind on my credit cards, my personal loan and my two credit lines from PenFed credit Union. I called them about a week ago, maybe two and the man I spoke to said that I can make two {$100.00} payments to my two credit cards and then call them back and apply for temporary hardship. But after I went to the website, I noticed that my two credit cards were closed and the man I spoke with never told me that. 

I feel that they are a predatory lender, because they approved me for a {$20000.00} loan with my girlfriend as a co-signer. Then I was approved later on for two lines of credit. One for {$4000.00} and one for {$5000.00} And I was also approved also for two credit cards, that are now closed due to being late on payments.. 

My mother had a light XXXX in XXXX so I went down there with my girlfriend. I didn't have paid time off so I wasn't working much when I was in Arizona to go visit my mother and now I'm really behind on all my payments to PenFed and other other places that I owe money to.

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 2022-11-30
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: Account status incorrect

Complaint:
I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX. The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. 
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Consumer Financial Protection Bureau Case # XXXX I recently made a compliant about Discover Financial Services attempting to collect on a alleged debt from me the consumer when I asked for a copy the contract with my wet ink signature I received a letter stating Please Understand due to the age of the applications copy is no longer available to provide. 

If there is no copy or proof of a application or contract on file how can Discover Financial Services continue to violated my rights as a consumer. NO CONTRACT NO OBLIGATION TO PREFORM. 

15 USC 1681 15 USC 1692

Company response to consumer: Closed with explanation