BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am making this complaint against TransUnion, XXXX, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.

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 2018-09-10
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:
XXXX, TransUnion, and XXXX  were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.

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 2023-09-15
Company: OneMain Finance Corporation
State: OK
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:
I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I paid my entire balance in full : {$230.00} as shown on the attached billing statement. 

Due date for payment was XX/XX/11. I have also included a copy from my bank showing the payment processed on XXXX, which is also reflected in comenities account as well. 

I was verifying the no balance due on XX/XX/11, and there was a {$3.00} " interest '' charge, despite the fact that I had paid the balance in full. 

I contacted XXXX same date ( XX/XX/11 ) advising account was paid in full the prior month and no interest should be oustanding. They responded that interest was due. I provided the copy of my payment, and they keep saying interest is due despite my question to them asking how they can charge interest on a XXXX balance account. Two separate message strings are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 frau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
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: Account status incorrect

Complaint:
I pay for a credit monitoring service with XXXX  and XXXX. I received an alert that the payment stAtus has changed on my Transunion acct. The alert stated my payment status updated to 60 days past due and a balance of XXXX. I contacted Transunion to inform them that the account was CLOSED and PAID IN FULL. I received correspondence in the mail from Transunion that stated they completed their investigation and the information was reporting accurately. There is NO way they completed an investigation because that account was paid in full and the account is closed and paid on all of my credit reports except Transunion. I have uploaded the proof since I had to complete my own investigation. You will see that I missed a payment in XXXX I paid that missed payment on XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX I made another payment, and on XX/XX/XXXX another. On XX/XX/XXXX I made 2 payments.. which paid my loan completely off in full with a XXXX  balance. Please review the attachments to prove this account is CLOSED, and PAID IN FULL. 
The name of the account is XXXX, the account Number is 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 2019-07-25
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a new home mortgage and my credit was pulled. Equifax reported that I had fraud. The other two credit reporting agencies did not report this. On XX/XX/19 I called Equifax and was given a fax number to send info to remove the fraud and was told to wait 5-7 days. After 7 days I called again and they said they didn't have the information in there system. I again faxed the information and verified the fax went through. I waited an additional 7 days and was told the same thing. I asked if I could talk to the department who handles the faxes and a supervisor told me they don't have a phone. They also wouldn't email or try and locate the paperwork and told me to send the same information in again. I did and called today XX/XX/XXXX and they still said no update in the system and refused to try and locate the information. They told me again to send in the info and wait another 5-7 days. I did give the representative all of my personal info and he said they couldn't pull up a credit file and not that it was fraud. This is a big difference not having a credit file is different then reporting fraud on my credit report. I have been on the phone over 6 hours with them and they refuse to help me. They just keep telling me to send in the same paperwork and wait 5-7 days. Plus I was hung up on the last call I made to them which lasted 58 minutes. I am going to lose my {$1000.00} earnest deposit and my  dream home as no lender can help me because they are misreporting as fraud rather than no credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I used the Bank of America ATM. I accessed it using my credit card and chose the option to make a payment. 
The Bank of America ATM took {$720.00} cash and gave me a receipt saying : We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our electronic claims team. 

I checked my online banking mobile application and no deposit has shown.

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 2023-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to explain why they charge my credit card fee with no reason fees, They cant fix my problem, and no refund. They just want me to pay for it! I never pay late on the due date, and I never over the limit credit.

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 2023-09-15
Company: AMERIS BANCORP
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I wrote a check paying a laborer. The recipient presented the check to the bank where my account is held. The bank charged the recipient a fee to cash the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: VA
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 filed a dispute with equifax about 1 30 day late payment on my XXXX  XXXX account in the month of XXXX of XXXX  however when the dispute comes back they change the payment from 30 days late to 60. This has to be completely unlawful how do we allow them to get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
Hello yes, my name came up in CheckSystems again for a amount that I have sent the required fee to have this former account closed as stated. It's with XXXX  XXXX XXXX a older checking account dated XXXX. I have paid their collections department before being notified by Check systems and it appears they never removed or updated the systems that I took care of my balance that was paid already. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX It's incorrect information that's coming up, the {$750.00} has been paid off already, it's showing in CheckSystems report as upaid but I know I paid it off already, positive, because it's what's holding me from my business affairs also. 

Thank You

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 2021-05-25
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
According to the FCRA congress accuracy is a measurement of value so if the information is inaccurate, it is in fact invaluable. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Inaccurate, Unfair, And incomplete information CREDITACPT XXXX  : XXXX # XXXX XXXX : XXXX # XXXX XXXX : XXXX # XXXX Please Remore from Credit Reprot

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I paid {$1000.00} extra on my down payment to lower my monthly, and there were no changes made. 
The service station does not handle recalls from the manufacturer and the manufacturer is far more shady than they are. 
When I call to get resolutions I am talked into circles and nothing is ever completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal claiming a charge will appear on my statement as payment to PayPal. 
XXXX XXXX {$910.00} Payment sent to XXXX XXXX Credit Card {$910.00} USD email used : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
After receiving my credit report I found late payments that I want to get removed from my credit record. According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit as per the law there should have no late payments in 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or around XXXX someone stole my credit card and started making fraudulent transactions. I became aware of this in XXXX, and I notified TARGET/TD BANK N.A of this matter. They initially credited my account but soon after reversed the correction stating that I made payments to the card. They also said that they verified me through public records with my phone calling in to make those payments. I did not authorize or allow anyone to use my credit card. They also closed my card without reason stating that I did not make payments on these fraudulent transactions. the total of this fraudulent amount is {$7500.00} these transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. I filed a dispute with them on XX/XX/XXXX and then I followed up with an appeal on XX/XX/XXXX. They have since then closed my account and continue to charge interest on a balance that I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am writing as requested to provide you with the details of my, and my mother 's experience in dealing with Citi Bank since XX/XX/XXXX in regards to the Citi XXXX account my grandmother had with them. 

I have attached a copy of the complaint letter sent to their compliance department in XX/XX/XXXX, which fully explains the circumstances of the challenges we faced up until that date. We have provided a multitude of documentation, including my mother 's birth certificate, the original copy of the power of attorney ( which has still not been returned to us ) and legally notarized documentation to prove my mothers identity. 

I have also attached a copy of the full transcript of all messages sent to their customer services team via their company XXXX account, and copies ( with the account number removed ) of two subsequent letters ( XX/XX/XXXX and XX/XX/XXXX ) sent to the XXXX XXXX office, along with a response received from them recently. 

In XX/XX/XXXX, we also received a letter ( copy attached ) from my grandmother 's cousin ( XXXX XXXX XXXX who, along with my mother ( XXXX XXXX ) was named as 'ITF ' on my grandmother 's account. She informed us that she had gone to the bank with the documentation requested by the XXXX office and it had been copied and filed on the account. 

She also informed me that I needed to CALL the office in XXXX XXXX to get the funds released to me. I was not able to call and speak directly to anyone in XXXX XXXX, so again, I had to write another letter, to which I recently received a response requesting even more documentation and needing to go to the US Consulate in XXXX for attestation. 

For me not to receive a response to a recorded delivery letter ( sent via XXXX ) directly to their compliance department 6 months ago is surely against regulations? I have not even received a response from their compliance department to say that it is being investigated. 

I am happy to provide any other details requested, but this should NEVER have even got to this point. My mother was entitled to receive the money in trust to her in my grandmother 's account. 

To say we are beyond disappointed in why this has taken so long and caused so much distress to us as a family is inexcusable. We have done everything possible to try to follow through on my grandmother 's wishes and have been blocked in one way or another at every point by Citi Bank. 

My grandmother wrote a letter to your bank in XXXX saying that she wanted to come and sort the account out in person but was unable to do so due to her declining health. She also noted that she hoped she could do so in the summer of XXXX but it turned out that she was not able to do this either.

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 2021-05-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Back in XXXX, Chase has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking  account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize XXXX XXXX XXXX and found out I was a victim of fraud due to the fact my other account with XXXX had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with XXXX XXXX. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried XXXX XXXX and I was denied multiple times. After months of waiting, XXXX told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a XXXX XXXX account again and I was still denied to open a new account. I even tried to contact Chase 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 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 166B : 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