BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good evening, The accounts listed in the report attached do not belong to me. Please help me remove them and rectify this as soon as possible. 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 CFPD submitted my complaints to the credit Companies and all the three credit bureaus did was respond with the same old response of ( credit reporting was verified as accurate ). HOW WAS IT VERIFIED? I'm not sure what exactly theCFPD does here what's the point if all the companies have to do is resite the same old garbage they do everyday. This is interfering with me buying a home. I'm on XXXX and have limited resources for home purchase.

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 2023-11-05
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: Personal information incorrect

Complaint:
My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : LXXXX XXXX XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I noticed unauthorized hard inquiries on my credit report, I notified all companies and call 3 credit bureaus of the unauthorized inquiries and have yet to be resolved, The fair credit act requires these inquiries to 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 2023-08-28
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this dispute letter on my own behalf. Please be aware that I have recently studied US laws, and I am fully cognizant of my rights. I am well-versed in the provisions of the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grants me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not consent to any third-party collection agency accessing my personal financial information. While I understand that HIPAA allows for some limited information disclosure, it is crucial to note that any specific details can only be revealed with the patient 's explicit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In follow-up to a complaint submitted to the CFPB XX/XX/XXXX against Wells Fargo for their check clearing process with XXXX XXXX and overdraft charges assessed to me because of this - I still have not received back the {$180.00} in overdraft charges that Wells Fargo deducted from my account. Wells Fargo removed the overdraft charges from being viewed on my online banking statements, but did not return the money. In addition - they have not stated to me what they will do, to make sure that the check in question that I've deposited with them on a monthly basis since XX/XX/2013 ', will not be subject to a Stop Payment hold again. The clearance issue needs to be resolved between Wells Fargo and XXXX XXXX, which services the maker of the check to me. There is no stop payment request from the maker of the check or their bank.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX ; XXXX and Transunion should not be reporting a collection in the amount of {$2100.00} on the XXXX XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account needs to report a {$0.00} balance. I settled this account and have attached documentation showing the account has been settled and there is no outstanding balance due and therefore nothing to collect. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2023-08-28
Company: NCP Holdings, L.P.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete 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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: MN
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 off my statement balance completely. The company is currently charging interest on the balance that is charges in the current statement period. They said they are charging interest because I havent paid off my statement balance for 2 months in a row. Prior to recently I have always paid my balance in full each month, but because in XXXX I had a balance that didnt get paid in full even though I paid off the entire balance by the XXXX statement close date they are now charging interest on the purchases made after XX/XX/XXXX, computing charges based on an average amount of balance from the prior month. I called them to request that they waive the interest on this and told them that I was not aware of this policy and that I find it unacceptable to be charged interest for a balance that was already paid in full. This is crazy. Please take action to stop this abusive predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: SANTANDER HOLDINGS USA, INC.
State: IN
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:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX REF : Santander Consumer XXXX To whom it may concern : The account was verified as accurate, and I am confused as to how. 

Santander Consumer XXXX I have disputed several times with Santander under FCRA 623 to correct or remove its inaccurate reporting 's from my consumer reports. I hereby DEMAND removal of the account in its entirety. I will be forwarding this request to the XXXX and to Indiana State Attorney General and the Texas State attorney Generals office for Santander 's negligence in correcting this information and thus fulfilling its duty under FCRA as a furnisher of information. 

I previously requested that Santander stop reporting this account as open. The account status is inaccurate and inconsistent across all bureaus. The account status for this account is still being reported to XXXX as open but it also being reported to XXXX as Charged off. 



The fact that Ive submitted XXXX direct disputes with Santander, and they still have failed to correct their reporting is outrageous and a serious flaw in their responsibility to ensure maximum possible accuracy. Santander will and has tried to shift the blame to the CRAs but the CRAs are reporting what Santander has inputted into the ACDV. 

This is formal notice of intent to sue unless this information is removed from any entity in which is has been reported to. Correction will no longer suffice! I will also be asking that this and the previous CFPB complaints be submitted to the CFPB Ombudsman office, as Santander is already under violation and a consent order for these very things. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Telerecovery Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Telerecovery was contacted by certified mail on XX/XX/2022 for a debt validation ( certified letter attached ). I requested the original contract bearing my signature & that I have a contractual obligation to pay Telerecovery, {$150.00}. Telerecovery has reported on my credit bureaus that the account is medical debt. Due to the fact that I have no contractual obligation to pay Telerecovery, Telerecovery should not be in receipt of my medical information. This is a clear violation of HIPPA.

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 2023-08-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector has repeatedly sent me emails and updated my credit report to show a balance that I am unaware of! My final rent payment was paid in full via state agency rental assistance. I have proof! Also this debt collector is not authorized to collect debt in the state of Ohio. They are stating I owe {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My mother found 2 certificate of deposits in an old safety deposit box in XXXX, NC. One CD is for {$1000.00} and the other CD is for {$1400.00} that were purchased by her by were for myself when I was little. They were issued by the XXXX XXXX  XXXX  XXXX XXXX in XXXX, NC. Upon further research, it was determined this bank is now Truist. When she went to the bank to attempt to cash them in, she was told there was no record of them and they would not be able to give her the money earned. 

I have attempted to get ahold of Trust to see if anyone could help me but have had no luck and would like to cash in these CDs so I can put the money in savings as my mother had originally intended when she purchased them in XXXX  and XXXXI have attached a picture of the CDs to this complaint.

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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my card back in XXXX, plus I have new I have new XXXX the password and username was saved on my other pickups account which was locked I couldnt transfer it to my new phone. So I recently checked my chase checking account and on nontification and its say this Major Derogatory JPMCB CARD It looks like your account with JPMCB CARD received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. 


So after reading that I just didnt know it came to that I was making small payments because after COVID 19 on XXXX I start looking for job couldnt get one, so I started government funding to start trucking school and I got 6 sister and my mom and dad is XXXX he cant work, too many bills for me to handle, I cant couldnt remember but every time I receive notification I go an pay the amount a bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions Inc.
State: MS
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 seen on my credit report that EXPERIAN have inaccurate and incomplete information reporting on my account, so i sent them a letter on XXXX requesting details of their method of verification, also i attached a copy below of the letter that i sent.

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 2023-05-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I brought cash to make certificate of deposit. We counted cash together with bank employee. Then Citizens bank employee/or manager stole {$5000.00} out of the cash given for deposit. They said money counting machine jammed and keep telling me they balanced after. I filed police report. Police waiting for bank to go through their Normal policies and procedures but bank manager clearly irritated and not following up in timely manner. I also saw someone walking out emergency exit while I was waiting for my deposit to be done by bank employee. Also I told them to bring back money when they told me its XXXX less. Money they brought were just XXXX and XXXX bills and where missing large stack of XXXX $ bills I had initially counted with that employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1 ) 53 CLOSED MY ACCOUNT 3 WEEKS AGO WITH {$19.00} AND NEVER MAILED CHECK. 2 ) {$100.00} IS DUE ME. 3 ) {$10.00} OVERDRAFT FER IS DUE ME SINCE I DONT HAVE OVERDRAFT PROTECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I became XXXX in XX/XX/2022. Even though I had card protection on this Synchrony Rooms To Go  account, I still made the monthly payments myself for 7 months, after which I applied for benefits. I have only had one address the entire time I have had this account, but they said they could not verify my address, so could not open a claim. Each time I have called, I was told that I would receive a callback from the Security Department so that we could resolve this issue. I have never heard back from them. It has been over 60 days of my calling every couple of weeks with no result, and the account has now gone past due. Of course, they still keep taking the fees from my account every month, even though they refuse to follow through on their promises.

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 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is a general complaint, applicable to ALL cards, so no specific dates or names, etc. 

The problem is that when making a purchase, the amount is IMMEDIATELY posted to your accound, but if and when you make a return of even part of the total purchase, you have to wait any number ( 1-6 or 8? ) of WEEKS for the CREDIT to be posted. Well, someone [ the cc " processing '' agency? ] is making a lot of money off of this little trick ( and big inconvenience to the consumer ). It's BALONEY! Credit should be immediately posted, the same as a purchase. 

Part of the inconvenience is that you need to remember to check that the credit was returned at all. Week after week, until a couple of months have passed. And THEN, if it  hasn't been, YOU have to make a lot of calls to figure out and/or convince someone what or that something went wrong. 

CONSUMERS ARE GETTING RIPPED OFF IN THIS ARRANGEMENT, and IT NEEDS TO CHANGE!!! 

This should receive high priority because it applies to all cards. 

Thank you for a reply.

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 2022-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid 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 XX/XX/XXXX around XXXX my computer locked up started flashing and beeping with an error message. Your computer has suspicious activity. Do not shut your computer down but call XXXX. I called this number and a girl named XXXX who said she was from XXXX XXXX  fraud team and they have noticed suspicious activity that could be getting into your bank accounts. She said this indicates you have been hacked but this would take some time to change the IP address and resecure the computer. She indicated I should contact my bank to see if there have been fraudulent charges and offered to put me in touch with them at Capital One A man named XXXX then answered the phone indicating he was with Capital One fraud team. He told me there was a {$7000.00} charge for XXXX XXXX and {$9900.00} charge for on line gambling. He indicated they could fix these but we had to act quickly and told me how much credit I had left on my personal credit card. He stated we would have to get XXXX on these secure gift cards, close the original account and they would get me a new card after XXXX XXXX  fixed the IP address and the money would be transferred from the gift cards onto the new secure card. He then put me in touch with supposedly a Capital One employee who would work with me through the process. 
this happened and he stayed on the phone with me while I went around the area and secured gift cards totalingXXXX. After I got the first batch of gift cards he then explained I would need to scratch off the codes on the back of each card and give it to them so the could credit my new account. I realized to late the fraud and talked with Captial ONe and XXXX the same day I purchased the cards but they had already taken the money off the cards and indicated there was nothing they could do. XXXX did check on a couple of the cards and they were used at a XXXX in XXXX. 

I still have all the cards and here are the names and numbers of the people that contacted me in this scam XXXX XXXX woman-XXXX  XXXX XXXX XXXX ext XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I understand this is my own stupidity for not following a procedure I have but I wanted you to know and if there is any possibility of tracking these bandits I would be happy to work with you

Company response to consumer: Closed with explanation