BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX  My credit report must be accurate because it has an impact on my livelihood.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my 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 2023-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a trustee check into my checking account with USAA from the closing of my home. I additionally deposited a {$600.00} cashiers check into my savings account. Both accounts have been placed on hold and Im being told I cant access my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2017-05-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank keeps calling me looking for an  XXXX   XXXX .   I am not, nor do I know any,  XXXX   XXXX .     They call me from different phone numbers all over the country. So when I block them, they use other numbers.     I spoke with a representative and told them they had the wrong number. She would take care of it but nothing happened.     I just called again and spoke with someone who would not give me their address so I could send a cease and desist letter. She did confirm it was Comenity Bank.     The last  XXXX  digits of my phone are  XXXX . Maybe they can match  XXXX   XXXX  with the WRONG number they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-10-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a mobile deposit of a paper check from my employer on XX/XX/XXXX. They placed a hold on the deposit that day. On XX/XX/XXXX the bank emailed me stating my deposit hold was released. However, they did not actually release my funds. I called the bank to inquire and they told me the deposit hold was no longer in place but that my funds would not be available until XX/XX/XXXX. For that they didnt it provide a reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: NCP Holdings, L.P.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im a military veteran who received a title loan from XXXX in XXXX, Ohio back in XX/XX/XXXX for around {$7000.00}. They kept extending the loan and even changed companies through the extensions and changed terms of the entire loan. I was stuck paying high fees monthly. I probably paid atleast 4 times the amount of the original loan. The company is no longer there. I still have a lien on my title. I was still making over $ XXXX monthly payments in XXXX to the new company cashmax which is no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

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 2017-05-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A Check was written to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,    2017 a nd  XXXX   XXXX ,    2017 in  the amount of {$4000.00} and {$2000.00}. He forged my signature. The {$4000.00} check was not endorsed on the back and cashed. The {$2000.00} check was not. Citibank said they called me to let me know there was suspicious activity but could n't get a hold of me and Citibank pushed the check through anyway, even though it was suspicious. They refuse to give back my {$4000.00} when Citibank was negligent and they said it was my fault for not checking my account within 30 days. The police said it sounds like an inside job.

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 2023-10-31
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD Bank Loan Operations, Escrow Management Services Dept personnel are doing discrimination against home owners. 

They sent me a letter asking for proof of insurance which I emailed them the proof on XXXX at email XXXX Todays letter I received is dated XXXX. 

They harassed me last year and I submitted the letter and they kept sending me letters upon letters instead of checking their stupid email. 

They never ever acknowledge their emails and keep sending letters and notices. 

Their tactic is very simple. Force home owners to pay their insurance even when insurance is already paid. Please see attached email proof. 

I even resent the email again today. 

This is clear harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
three issues # 1 six months ago I charge on my credit card that look odd, cause it does not get charge ever month, ( I have a secured credit card account ), I put up my personal money not the banks.Went to my local branch ask bank employee a simply question what is this for what it means.He talked 30 minutes that related nothing I ask and had to leave because it made no sense. issue # 2 I keep tabs my accounts i one I use fast and easy, I am XXXX years old and get paid once a month.I have been lie, cheated and rubbed every bank there is.I been with US Bank for ten years great service last week three of my pass codes removed from my personal account, talk to branch manager XXXX XXXX XXXX #! XXXX she said I and I said no got stood up yell do not tell me my I do what to your account I want if you do not like go some where else.

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 2023-09-17
Company: Convergent Resources, Inc.
State: NH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt in full onXX/XX/23. Disputed account on credit report with proof of payment to be shown as paid in full or deleted from report, and XXXX did not update and reported the original amount owed {$1700.00} on XX/XX/23after it was paid. The account should be reflecting as paid in full or deleted as it has been settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act Convergent Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX, XXXX Account : XXXX Amount : {$630.00} In accordance with the Fair Credit Reporting Act XXXX  Acct # 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 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
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:
This is a rebuttal to NMACs response to : Complaint # XXXX : I appreciate the extensions that NMAC gave me in the past because COVID-19 was a very trying time for all of us. 

But NMAC proved my point in its response to the complaint : the fourth bullet which says, On XX/XX/, NMAC received a payment of {$1000.00}, which paid the XX/XX/XXXX  payment that was over 30 days past due. If you look at the attachment for XXXX Payment Summary, it shows that XXXX is NOT reported late. XXXX is reported late even though its payment that was paid on XX/XX/, was not over 30 days past due. 

It looks like to me that with the extensions, late fees, etc., in the past, after I paid the account up current, including all late fees, NMAC was just determined to report something late to the credit bureaus, even though the payment should not have been reported late. 

They also indicate in their response that In accordance with the Fair Credit Reporting Act ( FCRA ), NMAC is required to accurately furnish account information and reports on accounts to the credit reporting agencies. Well, XXXX ( over 30 days late ) was not reported late, so they did not furnish accurate account information to the credit reporting agencies. They used XXXX as the scapegoat, and they should not have. 

The credit reporting is in error. It confused me because NMAC said they were reporting XXXX payment more than 30 days past due, but the credit report ( XXXX ) is showing XXXX on time, and flagged XXXX  30 days late. Ive attached a screen-print from XXXX showing this error. 

So due to this error and confusion and since I was under the impression that if I made the payment by the next months due date, it would NOT be reported 30 days late, I would like to request that NMAC make an exception this one time and remove the 30-day late payment altogether. 

Thank You. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Transunion To Whom It XXXX Concern : According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$390.00} Please remove all non-account holding inquiries over 30 days old. 
Please add a XXXXXXXX XXXX to my credit file. 
Please remove all addresses not listed on my Driver License. 



Thank You, 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 2020-09-15
Company: EQUIFAX, INC.
State: NJ
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing this complaint ( prepared with the help of an advocate, as I speak only  XXXX  ) because Chase Bank promised to refund me money that I lost as the result of fraudulent and unauthorized transactions on my Chase bank account, but never refunded the money. I am a very low-income,  XXXX  year-old   XXXX   XXXX  resident and single mother. Both my  XXXX  daughter and I receive   SSI  and  food stamps . At t he time of the fraud, my  XXXX  daughter received  SSI by direct  deposit into  a Chase accou nt in my name. All the money lost to fraud was from my  XXXX  daughters   SSI.       In around  XX/XX/XXXX , I received an account statement and saw transactions from early  XXXX  and onward that I did not recognize, including unauthorized debit card purchases, fraudulent check deposits, and unauthorized ATM withdrawals, along with ATM fees for the apparent unauthorized use of non-Chase ATMs. I never made any deposits into this account ; the only deposits were the   SSI  de posits made directly by the  Social Security Administration on b ehalf of my  XXXX  daughter. I made only occasional withdrawals to help me pay for my daughters care.     I disputed these transactions with Chase both by phone and in person. Chase closed my accounts, and told me that it would refund the money I had lost to the fraudulent transactions. This was in around  XXXX  and  XX/XX/XXXX . But then I did not hear anything back from Chase. When I followed up with Chase again in  XX/XX/XXXX , Chase said it was still investigating.     I have a letter dated  XX/XX/XXXX  from Chase stating that it would credit me {$930.00} for   XXXX   batch of debit card transactions that I had disput ed ( s ee attached ). I have another letter dated  XX/XX/XXXX   ( s ee attached ) from Chase stating that it would credit me another {$2400.00} for a  XXXX  batch of transactions, including the unauthorized ATM withdrawals, that I had disputed. However, to my knowledge I have never received the credi ts that Chase promised ( a  total of {$ 3300.00} ).      I also disputed   XXXX   fraudulent check deposits ( the checks bore forged signatures in my name ; see attached ) and a number of large, unauthorized ATM withdrawals that took place shortly after each of the  XXXX  fraudulent check deposits. I have letters from Chase acknowledging that the checks were fraudulent ( see attached ). As my transaction history shows, Chase also reversed the fraudulent check deposits by subtracting the amounts of the fraudulent check deposits from my account balance ( see attached ). However, to my knowledge Chase has never credited me for the unauthorized ATM withdrawals that followed each of the fraudulent check deposits.     Since Chase closed my account, I have received th e   SSI   c hecks on behalf of my  XXXX  daughter by mail, and must go to a  check casher to ca sh them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The accounts are paid in full I would like them removed from all credit reporting agencies.

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 2021-09-21
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company response to consumer: Closed with non-monetary relief