BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ; XXXX XX/XX/2023.

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 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Made a large overpayment on credit card ( paid {$36000.00} instead of {$3600.00} ) overage of {$31000.00} on XXXX XXXX. Discovered it the next day ( XXXX XXXX XXXX am ) and called customer service. Their representative told me that the money would be returned to me once it has cleared and considered not fraud and could take 7-10 days. On XX/XX/XXXX I called again to see if the issue was corrected and was given a case number. Since then, I have called them at least 5X or more to no avail. Each time being told something different as I would get a check in the mail or the money would be sent back to my bank. I even have written 8 emails to XXXX XXXX, XXXX XXXX XXXX Bank of America, have still not received my money back either by mail or by direct deposit. 
The bank has called me at least 3-4 times ( two women named XXXX and XXXX ) but never have gotten anything but promises that the " case '' is being worked on or they will call me back of which neither have happened. I also received two letters from Bank of America saying the money was returned to my account of which it has not.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open 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 2023-10-07
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
{ Please Refer to ATTACHED while reading this complaint } XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, on my Equifax Credit Report , is INACCURATE ; It contains an ERRONEOUS 30-day Late Payment. I was NEVER LATE making a payment on this Account. I CLOSED this Credit Card Account in XX/XX/XXXX, and PAID IT IN FULL in XX/XX/XXXX. The STATUS of this Account is CLOSED, CURRENT, and PAID. My Equifax Credit Report is showing a 30-day Late Payment in XX/XX/XXXX, which is SEVERAL MONTHS [ AFTER ] I CLOSED and PAID the Account. I have tried to DISPUTE this ERRONEOUS LATE PAYMENT Information with Equifax and XXXX XXXX XXXX XXXX. Most recently, I DISPUTED it on XX/XX/XXXX to Equifax. Equifax completed this dispute on XX/XX/XXXX, but is still reporting the same ERRONEOUS 30-day LATE PAYMENT Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit 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:
XXXX XXXX XXXX sales person talked me into a store credit card issued by Synchrony Bank to buy my furniture by offering XXXX year interest free. I agreed to card and purchased items on XX/XX/XXXX. On XX/XX/XXXX the items were delivered. On XX/XX/XXXX the seat chair of XXXX recliner collapsed and fell which made the recliner inoperable. I notified the store on XX/XX/XXXX and the manager did not call me back as promised. On XX/XX/XXXX I visited the store and the manager asked for pictures and said he would see if there could be an exception to the XXXX  day return policy. I was frustrated because this return policy was never mentioned and if I would have used my XXXX  I could contest the charges. I looked in the store for other recliners, but they were all wider than the XXXX inches that my living room allows. By XXXX XXXX XXXX ( store manager ) still had not offered a resolution and I called store again. On XXXX he called me back and offered a store credit. A store credit is of no use to me because I am an XXXX  lady with XXXX XXXX XXXX XXXX. I do not want to make payments on broken furniture and I believe the merchant has a XXXX  day return policy to only benefit themselves instead of the consumer. I am asking that the money to be refunded to my card immediately so that I can buy XXXX high quality chairs from a reputable merchant.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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 is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 Account # 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 2023-12-11
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went to an authorized atm to make a withdrawal. The atm had a glitch and dispensed the incorrect amount. I originally requested {$400.00} but only XXXX was dispensed and they took {$360.00} from my account even though the atm only gave me XXXX. I disputed this with my bank and they are stating no mishap occurred when it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I have been unable to log into my checking account with Capital One on desktop or mobile without having to reset password daily. 
I have have been stuck in a loop of some sort since XX/XX/XXXX with constantly getting the run around from several representatives, managers and the IT department. 
The IT department advised to keep changing password until one sticks. ( What does that even mean ) Managers tried to help, but when they say they will escalate to IT, I never get a call back. 
*Attached is a letter that I wrote to Capital One back in XXXX of XXXX. No response from Capital One* I can log one day with changing password, but then the very next day, I am prompted to change password and I'm in this loop cycle where the system would continuously ask me to do this with no hopes of actually getting into my accounts. 

This is frustrating to me because I have a car that is financed through Capital One, credit card and my checking account. 
This is a huge problem because when I am late making payments, they are really quick with adding fees but not with assisting me with helps to log in to account. 
I had to pull my money out of Capital One checking and go back to XXXX XXXX. I am extremely unhappy about this. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Finance System of Richmond, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$55.00} XXXX bill from 2017. I paid this bill directly to the XXXX   company now collection agency Finance System will not remove from all reporting bureaus. Removed from all but XXXX even after numerous disputes from me asking to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-11
Company: Experian Information Solutions Inc.
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent the letter on XX/XX/2023, letter the reason why I sent this letter XXXX said everything was complete and accurate on my credit report. Here is my certified tracking # ( XXXX XXXX XXXX XXXX XXXX XXXX ). The reason why I sent this letter is because XXXX said everything was correct and accurate. I would like a description of the results of how they verified everything. Cause when I looked at my credit report, they did not update anything according to the Fair Credit Reporting Act which is 15 USC 1681i ( 5 ) so I would like to know what they did to investigate everything. I would like a description of this according to 15 USC 1681i ( 7 ) and they were supposed to respond to me within 15 days according to the law. And I haven't received anything, and it's been over 20 days. This is very frustrating, disappointing, and stressful!

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 2018-12-31
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I bank at First financial Bank. I had send an on-line payment to XXXX  and the bank sent my payment of XXXX dollars In XX/XX/XXXX. They sent to payment to XXXX XXXX.Now First Financial Bank let me cancel account that were not being use and I did. XXXX XXXX and XXXX XXXX. Every thing was going ok and i had no problems. Until they send the payment to XXXX XXXX. I filed paper work to the bank to get my money back, and they said call XXXX XXXX. I call XXXX XXXX whom i haven't had service since XX/XX/XXXX to ask them to sent my money back. They said I had to give them a password from XX/XX/XXXX or they can not help. So off the top my head out, I said XXXX and now they could help. I had to send i lease that i don't live at the address this account was to the fraud dept. I hav n't seen them a payment for services for five years so why now. so i send it and got a respond to have a third party call to work on it in XX/XX/XXXX. 
In XX/XX/XXXX I had resolved the disputed of {$110.00} because they another account that owned {$110.00}. 
XXXX XXXX say they I own them XXXX. XXXX and they would not sent the money back. I pay all my bills to them, I never got a XXXX Bill from them sense XX/XX/XXXX, and I told i wanted my money back, and they said no. The bank wrote back saying nothing was a crime or fraud. 

The third part call was Monday XX/XX/XXXX. The First financial bank agent was from or the letter came from the XXXX XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX. XXXX Ohio XXXX. The dispute number they have is XXXX. 

the lease paper I sent were Date XX/XX/XXXX. The account at XXXX XXXX was XXXX. The fraud Dept at XXXX XXXX fax number is XXXX. 

This was more than Fraud, it illegal and a crime. 

On XX/XX/XXXX First Financial Bank Credit a XXXX SSI check because I was given a provisional credit of XXXX. They took XXXX they was left of the XXXX add {$37.00} for the {$80.00} they was spent and add {$30.00} more and {$6.00}. 

Isn't these charge fraud? 

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX or 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 2023-12-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-09
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
Working with XXXX XXXX XXXX XXXX XXXX I have been disputing some checks that were written that I had no idea existed until my tax return was seized. 

I submitted an affidavit that this was not me. These checks were written in XXXX. I requested dispute packet & submitted signature examples, ID, XXXX & I have attached the email response after they did a supposed investigation. 

The debt is being processed by Transworld Systems , Inc., ( TSI ). & it being so long ago the debt is enormous. I never received anything in the mail about this debt prior to having my tax return seized for XXXX in the amount of {$1500.00}. 

I did not write these checks in question & I was NEVER informed about them until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
I've been a victim of Identity theft. I've never been to this XXXXXXXX XXXX XXXX I need this removed from my credit 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 2021-08-13
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/XXXX I noticed a {$17.00} collection report on my XXXX  report. I don't know what this is as I paid it a year ago, on time. I have never received a notice about this, it just showed up on the credit report. I have excellent credit ( used to be > 800 ) and pay all bills on time. 

I called the creditor 's number listed on the credit report and they show it as paid off XX/XX/XXXX. I have the credit card statement showing the {$17.00} amount. XXXX said they did not send this to collections. 

Their contact info : Phone : XXXX Toll XXXX Fax : XXXX Hours : Monday Friday, XXXX XXXX. XXXXXXXX XXXX Central Time From <https : //propath.com/home/contact-us/> XXXX was unable to help because there is " no collections record ''. 

I disputed twice with XXXX. 

On XX/XX/XXXX, case XXXX On XX/XX/XXXX, case XXXX And I just called into XXXX   to dispute a third time, this time the rep recommend disputing as not mine vs the {$17.00} amount. 

I'm stuck between a rock and a hard place on this as it's paid off and XXXX  says they can confirm it. I don't know who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
An XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PII ) personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus transunion, XXXX, & XXXX on 3 different occasions XX/XX/18, XX/XX/18, & XX/XX/18 requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation