BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-06-12
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In the month of XXXX I made a deposit of XXXX XXXX dollars in cash at the ATM of the Bank of America bank branch at XXXX XXXX XXXX, XXXX fl XXXX. The ATM gave an error and recognized only {$300.00} of the XXXX deposited. A claim for the deposit difference, to which Bank of America replied that that deposit and all the funds in my account were frozen until the investigation of the deposit in question was completed, and that my checking account would be permanently closed, that the funds in my account would be sent to me in a check later. 
On XX/XX/XXXX, I received a letter from this institution, informing me that the XXXX dollars difference that were under investigation had been issued to my account as a temporary credit while the investigation was being carried out. On XX/XX/XXXX, I received a new letter from Bank of America where they told me, and I quote verbatim We wrote you about your claim. What you need to know During our investigation, we determined that the amount in dispute should have been {$1000.00}. The adjustment will appear on your statement, or you can visit bankofamerica.com to review the adjustment online. The total amount of {$1000.00} is now permanent and we consider that your claim is closed. On XX/XX/XXXX I received a new letter where Bank of America informed me that the funds deposited on a temporary basis were once permanently available since the claim was resolved. Finally, on XX/XX/XXXX, I received a last letter informing me that my account was permanently closed. After this, they also closed my access to my business account, which also frozen the funds, alleging that Bank of America did not want me as a client and that the funds in my business account would also be sent to me by check before the XXXX of XXXX. Today we are 9 days from XXXX and my funds are still frozen and the check has not arrived. I request to the XXXX XXXX agency a bank report and in this report Bank of America declares to have closed my accounts for checking account fraud, which is totally contradictory with the result of the investigation product of this I have a restriction that does not allow me to open accounts with any banking institution. I have contacted several departments of Bank of America and all the answers are ambiguous, they have only transferred me for weeks from one department to another.

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 2019-08-23
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had my loan transferred from XXXX to LoanCare. 

During the first payment cycle, I sent a physical check and remit slip that came from LoanCare, to their payment center. Check was sent on XX/XX/2019. XXXX XXXX shows received on XX/XX/2019 and cashed XX/XX/2019. LoanCare " can't find '' the payment and has been investigating for 4 weeks now with no resolution. 
Each week I have been calling to check in and the answer is the same thing each time : " we're working towards a resolution and I'd recommend giving it another week. '' I have tried to work out how to make my other payments while this one is investigated and each time I explain the issue with my escrow evaluation changing payment amounts between XXXX and XXXX, the reps mention that their system won't process the payments correctly until XXXX is paid. 

I don't feel like I should have to hold a company 's hand to this extent when I am trying to make my payments as normal. 

Starting on XX/XX/2019 : I started receiving pre-foreclosure letters because of missed payments. I am at a loss of words over this since I am doing everything I can to resolve the situation and get the payments made.

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 2021-05-28
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this 2 years ago because this debt is over 7 years old and XXXX has removed it from my credit report. I stopped answering their calls because they threatened to ruin my life and they keep changing the dates to make it current. The new date they have is 2019 and I havent had sprint in forever I have had XXXX and XXXX isnt a company any longer. When I dispute this with experian and XXXX XXXX they wont remove this with IC Systems. Why do they believe these sleez balls! The credit bureaus are horrible and when they make a mistake they wont correct it! The amount is wrong at XXXX I dont know how they came up with this number I had them for

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 2023-11-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I recently booked a house thru XXXX XXXX from friends. The friends told me they revised the payment amount to a lower dollar. I looked on XXXX and noticed there was no evidence of the adjustment. They still charged me the full amount. I then started looking at some XXXX transactions where XXXX had refunded a portion of the purchases. I see 3 transactions were a refund should have been processes however I was never refunded. XXXX never credited me the refunds. This seems completely unethical that refunds are happening but the consumer never receives them. How is this legitimate money movement or banking praxtices??? I am attaching just 3 images of expected refunds. Now i have to go and see what else is missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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.

The letters are stated with items and issues.

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 if 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 2020-06-09
Company: EQUIFAX, INC.
State: CA
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:
I was the victim of identity theft in XXXX and XXXX of 2020. Someone opened up XXXX accounts and tried to open up XXXX XXXX and XXXX accounts in my name. These issues impacted my XXXX  and Equifax credit reports and scores. I was able to get a police report and get the issues resolved with XXXX  but Equifax has been completely inept. I have called them on 15+ occasions and been told via phone that my inquiry would be removed only to find out a week later when I updated my credit report that my inquiry didn't fall off. I have written documentation from them on two occasions confirming that they had removed the inquiries but my credit report still shows them on my credit report. I have submitted police reports to support my claim, XXXX has submitted evidence that it was fraudulent, and I have called on multiple occasions with no success. 
Please assist as I have spent days working through with Equifax and had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am trying to request a payoff amount for my American Eagle Outfitters ( AEO/SYNCHRONY BANK ) card however they are either unable to give me an amount or unwilling to do so. I spoke with a representitive and she refused to transfer me to a manager when I requested and then proceded to hang up on me. I may be wrong, but having worked for a credit card company I 'm pretty sure that it is federally mandated to provide consumers with their payoff amount calcualted to a certain date pending no additional purchases are made.

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 2018-10-05
Company: Riverwalk Financial Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My debt went into collections for a vehicle I willfully returned. I have been trying to contact XXXX XXXX XXXX to try to settle the account and clear it up but those attempts have been unsuccessful. I have called my original debtor, XXXX XXXX, and they said they no longer hold my acct and I need to contact XXXX. XXXX provided me with two phone numbers, ( XXXX ) XXXX and ( XXXX ) XXXX. I have tried numerous times and neither number is working. I also tried emailing them via their website and no response to that either. I XXXX   them and they seem to be caught up in some legal issue for running a ponzi scheme or something like that. How can I clear up an account and I can not get in contact with the debt collector. 
I do not have any documentation that I have ever received from them. 
Please advise what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX 'S XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; 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

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 2023-09-18
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had a line of credit with Grain since XX/XX/XXXX as reported on my credit report. On XX/XX/XXXXXXXX  I attempted to login to the app and I received the following message : " Our system reviewed the identification details you provided and are unable to confirm your identity, as such were unable to onboard you at this time. 

Our inability to onboard you was not based in whole or in part on information obtained in a report from a consumer reporting agency and no credit score from a consumer reporting agency was obtained and used in making our decision. A consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied to onboard you. 

Our inability to verify your identity was based in whole or in part on information obtained from an outside source other than a consumer reporting agency, which was not acting in the capacity of a consumer reporting agency. 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is : Office of the Comptroller of the Currency, Customer Assistance Group, XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX. '' I can not access the application to make a payment due to this message. Also, Grain, has not asked me to provide any proof of my identity and will not let me make a payment on the app or provide me a statement of the balance owed. Their phone number is just a recording with no option to speak to a person. Their support has not responded via email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Concentric Receivables Management, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX - I sent notification of dispute by mail to collection agency - Concentric Receivables regarding the debt being reported on my credit. I never received a response. ( I will include a copy of the signed receipt of the certified letter. ) XX/XX/XXXX - I sent a second dispute letter by mail and again, received no response. 
XX/XX/XXXX - The item remains on my credit report and to date, I have never received any response to either of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ... .Also my information has been comprised by the XXXX data breach and may have gotten into the hand 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 2020-05-11
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a Cash App account and I set up for my stimulus payment to be direct deposited into it. The IRS deposited it on XXXX XXXX. Here it is XXXX XXXX. And the money still not there. They have no contact phone number just email. They don't respond to that like they should. COULD you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions 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 have unauthorized accounts on my consumer report : 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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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