BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX the original creditor XXXXXXXX XXXX XXXX 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.

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 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
The XXXX and XXXX credit cards charge the amounts of the last statement balance minus any credit that occurs after closing the statement, when auto payment is made. Capital One bank also did the same during the XXXX years. However, after 2017, Capital One collects the entire amount of the last balance ignoring the credits after closing the closing statement. Let us say that my wife buys {$50.00} merchandise from XXXX and charge it to Capital One Card before the closing date. That is included in the statement. Fine. But, she does not like the dress worth $ 35+tax and returns two days later, that occurs after the closing date. XXXX gives the credit and returns the cash back to the credit card. So, Capital One gets the money. However, when the auto payment comes some 23 days later, the bank collects this money also. The credit will appear only in the next month 's bill. That is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've experienced repeated issues with Bank of America 's autopay system, resulting in its arbitrary cancellation of automatic payment without notice. This recently led to two late payments on my personal credit card account without my knowlesge. Although the bank reversed the fees, the late payments were reported to credit bureaus, negatively impacting my XXXX XXXX XXXX. 

This erroneous reporting caused by a documented system flaw now endangers my other credit lines. Despite a perfect payment history, my account was also closed without prior notice. My problems with the autopay system have been heavily documented and confirmed by the bank, despite this they are refusing the 60 day late report to the credit bureaus.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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:
Re : INCORRECT NAME SPELLING ON CREDIT REPORT Dear Sir/Madam , I am writing to dispute an incorrect spelling of my name on my credit report. I have attempted to get this resolved by contact your office however, the problem still exist. My correct name is XXXX XXXX XXXX, XXXX, but it you currently have several incorrect variations listed on my profile which is hindering me from proceeding with purchasing a home. This discrepancy has lead to a lot confusion Listed below are the entries of which I have never been known by and thus, I am asking that you removed them immediately and update my profile to reflect the correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am challenging the accuracy of this information and request that it be investigated.

I am enclosing a copy of my GEORGIA state issued drivers license to verify my correct name. Please, investigate this matter promptly and correct the spelling of my name on my credit report.

Moreover, I request that you provide me with a written confirmation of this correction once it has been made.

Please send a confirmation that you have received my letter and inform me about the results of your investigation. 
Thank you for your attention to this matter.

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 2023-07-25
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 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$84000.00}

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 2022-05-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX XXXXXXXX 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-28
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My account lists an income recertification date of XX/XX/XXXX for my current income-driven repayment plan. According to the laws around restarting of payments and income recertification this should be pushed back a year. To make this clear, the Federal Student Aid office published the following response to the question of when we would have to recertify after payments restart : " The earliest you could be required to recertify is XX/XX/XXXX. 

On your account My Aid page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' XXXX XXXX XXXXXXXX I sent a message to Mohela to have this corrected and they have not responded and I am reading many online reports of them not updating this information in a timely manner with potentially major financial ramifications. As my date clearly falls before XX/XX/XXXX they are required to push back my start to sometime around XX/XX/XXXX. It is now only about a month away and I need Mohela to take action now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2023-02-24
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
Dates : XXXX XXXX 2023. Amount of " money '' sent to me was {$4900.00}. I will note that I did not try to deposit this at all because it's not legit and I knew from the start. 

There is a company going around hacking accounts on social 's to pose as real companies trying to hire others, they will give you an offer that sounds too good to be true, offer to pay you up front, for minimal hours. They say they will mail you a check with your payment and funds to buy things for your personal home office space. This is all a shame, they tell you to use the check via atm or online deposit and specially tell you NOT to go to your bank, this is the biggest red flag. Their checks do not look legit either and the company they claim it will be sent from does not exist and the company it is sent from is one that tries to mimic a legit life insurance company. 

They try to pose as " XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX ''. The check is signed by a XXXX XXXX from New York, which is likely not the actual XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-04-28
Company: SYNCHRONY FINANCIAL
State: TX
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 contacted XXXX and Synchrony Bank/Care Credit because on my credit report Im showed as an authorized user on XXXX with a balance that is showing at XXXX  %. I dont have said account. I have contacted them numerous times. Care Credit says they have no record with the account attached to my name. That they are happy to clear it up with XXXX immediately. I need this to deleted off my report 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, 2023, XXXX added cash to her XXXX  account using the add cash feature on XXXX amounting {$1000.00}, which was deducted from XXXX XXXXXXXX XXXX State Employee Credit Union debit card ending in XXXX. XXXX cashed out ( deposited ) at XXXX, on the same date, XX/XX/2023, a total of {$1100.00} to XXXX XXXX State Employees ' Credit Union account which is linked to the same debit card - # XXXX. 

Also on the same date XX/XX/2023, XXXX transferred funds in the amount of {$1000.00} from her State Employees ' Credit Union debit card to XXXX XXXX 's XXXX account - XXXX XXXXXXXX. This amount was then cashed out by XXXX and instantly deposited to her XXXX XXXXXXXX account ( attached ; please note, in the XXXX XXXX XXXXXXXX photo attached, it only shows a deposit of {$1000.00}. To instantly deposit a transfer from XXXX, XXXX had to pay a processing fee of {$17.00}. ) However, the {$1100.00} mentioned previously was never deposited back into XXXX 's account. Instead State Employees ' Credit Union duplicated the withdrawal of XXXX 's original transfer of {$1000.00} through XXXX, and withdrew a total amount of {$2000.00}. 

XXXX opened a dispute with State Employees ' Credit Union and XXXX. XXXX, states that the transaction was only initiated and transferred once. However, State Employees ' Credit Union states they are unable to resolve any occurrences that involve wire transfers with XXXX and the dispute would need to be settled with the person or individual the funds were transferred to. If a proper investigation was conducted, one would see that XXXX 's transfer of {$1100.00} was to her own State Employees ' Credit Union account- which was never deposited. The occurrences we are trying to resolve relates to them, State Employees ' Credit Union, duplicating the withdrawal of {$1000.00} and having no account of the deposit of {$1100.00} ( evidence attached ). This dispute was opened with XXXX on XX/XX/2023 and the letter of denial is dated XX/XX/2023. Yet, I received the letter in the mail on XX/XX/2023 ; which tells me SECU did not properly investigate. 

There are two matters at hand that need to be reconciled. I only authorized {$1000.00}, to be deducted from my account once to XXXX 's XXXX account. Unfortunately, State Employees ' Credit Union withdrew the amount twice and will not take accountability nor accept supporting documentation of the mistake they made. Furthermore, my bank account does not show the {$1100.00} was ever deposited. 

All documentation that support this claim is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TD BANK US HOLDING COMPANY
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:
I have been trying to deal with an account from a company called TD Bank Target card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from TD Bank/Target card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at Target TD Bank STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and XXXX ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent TD Bank/Target letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I didn't receive any statements for this company and when I asked what the amount was of the late fee, the person said {$42.00}. I spent {$21.00} in the store and the amount was {$82.00}. I've been sick and the person speaking would not give me a courtesy fee break. I asked her on XX/XX/22 to let me pay online. She did not hear me and in that and in a second phone random pushy call was barking like a XXXX at XXXX. I'm never buying your underwear again so have fun with your extra {$20.00} that I should not even owe considering I've been sick. We are in a pandemic, no? I could have been a long-term customer since I have good credit and my average card I keep for about seven to eight years. I've been with one card 20 years.

Company response to consumer: Closed with monetary relief