BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im notifying you that the following account is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character. 

Account Number : XXXX Please investigate and delete this account because it is reporting two different dates last active : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX. Two different dates opened : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX. Two different account statuses : Transunion - open, XXXX - closed. XXXX has also FAILED to report the dispute status whereas Transunion has it listed this account has been disputed already. This is a direct violation of the FCRA as any person who willfully fails to comply with any requirement imposed under 15 USC 1681n with respect to *any* consumer is LIABLE to that consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure or damages. Another failure will result in immediate legal action. 

Account Number : XXXX Please investigate and delete this account because it is reporting three different dates last active : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Two different dates opened : Transunion : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Two FALSE last payment dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. A PAST DUE AMOUNT OF {$0.00} across ALL bureaus. Another attempt at defamation here. All XXXX bureau 's have exercised willful non-compliance and pure negligence. 

Either the furnishing of this information is unreliable, or you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Again, please carry out a reasonable investigation into this matter and delete this account from my file immediately or prepare to face legal action.

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 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/20 I submitted an electronic message to Bank of America asking them to investigate why a payment of {$1100.00} had been charged against my checking account but has not been received or deposited by the company I sent the payment to through my electronic bill payment. After going back and forth, they determined the check had been deposited to a XXXX XXXX account. The company I paid was adamant they do not nor have they ever had a XXXX XXXX account and did not receive or deposit the check. Bank of America had them fill out paperwork to verify this and said they would work on getting the funds back before they re-issued the check to the company I sent the payment. Here we are now almost 2 months and a number of inquiries to Bank of America later and the company has still not received a new check. I keep getting back messages Bank of America " this issue is being researched and we will contact you with an update or resolution ''. I need help getting this money back into my account or a new check issued to the company please.

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 2022-12-22
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amerifinacial solutions has reported to my credit report 3 times. for 3 different amounts. {$880.00}, {$970.00}, {$970.00}. I have asked them for verification of what they claim I owe since Ive had no knowledge of this and they refused to respond. I have sent several letters and got nothing back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
My cared was lost several weeks ago. I attempted to report this to Barclaycard, they do not have phone agents right now. All I could do was lock the card. I have tried numerous times to contact them to notify them of the lost card, and have only been able to send messages that have not been acted on. Now, I have fraudulent charges that need to be dealt with. There is no way to dispute this on their website-they want me to call a number, which just dumps back into their queue with no way to leave a message. For something as serious as a lost or stolen card and fraudulent charges, they need to take care of these things right away. 

Barclaycard should be required to have a fraud group available 24-7 to handle such issues. And, you need to get back to your customers.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been sending transunion credit disputes via certified mail from 3 months ago and to this date they fail to let me know of ongoing investigation measures, notify me of the results of my disputes or even process them. I am completely fed up I have been dealing with them for 3 MONTHS! I am trying to go for a home loan and transunion has all this inaccurate information and information due to identity theft that doesn't belong to me and they fail to answer my concerns or reach out and get back to me. The certified mail letters haven't came back I've reached out countless times and I just had enough. This is my last straw reaching out to the CFPB to have Transunion take care of the inquiries which don't belong to me and deliquent/derogatory accounts due to identity theft with FTC Documents attached. I will attach all following paperwork sent to transunion at the bottom of this message in case they try and attempt to say they haven't received anything even though I sent verified mail and I hope to finally get a response and my dispute results as it has been over 90 days. Transunion better fix this because if not I am going to pursue legal action to the furthest extent I am tired of 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was purchasing an airline ticket with Jet Blue on XX/XX/2023 and a pop up came in to apply for credit card and would be a bonus of XXXX point/miles if you comply with the requirements. 
I applied for a credit card and to my surprise I was not approved on the spot as usually. 
My credit score is excellent XXXX or more and I have decent income and great credit report. 
I received a letter in about a week they asked for additional information such us ID, SS Card bill statements or bank statements. I supplied this document and sent to them the next day. After a week came by I did not hear anything called them to make sure they received my mail. She confirmed receiving it and some one from a security department verified my identity and told me Im all set. I received an other letter a week after. They asked me again to be verified. I called the number on the letter. Security department verified me again even though I was previously verified. At the end of the call she told me congratulation you are approved for XXXX and your card will be send to your house in 7-10 business days. Waiting for the card and never came. Called again on XX/XX/XXXX spoke with customer service she transferred me again to their security department to be verified for the 3rd time and further assist. I was shocked when she told me that my application was still in referral status even though I was told that should receive my card. I was very upset and frustrated with everything I had to go through. I told her to withdraw my application and I will complain to Consumer Financial Bureau.

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 2023-02-24
Company: MOHELA
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit was damaged by a lender who denied me online access to my daughters account. 
In 2018, I cosigned for a private student loan for my daughter. I spoke with a representative in early 2018 because I could not gain access to the online account. The representative advised me at that time that, as a parental co-signer, I was not allowed online access to her account. The loan is now in repayment and my daughter has been late on some payments, from what I understand over 30 days, but I did not have online access to confirm. I called them recently regarding a notice in the mail that said we are trying to reach me. When I called, I was informed of the status of the account. I explained and was only then advised I could set up an online account. Within a few days of my call, the lender reported negatively on my credit and I went from over 800 score for years to dropping XXXX points. 
How can a lender report someone to the credit bureau when they deny access to the very account? 
I've emailed them and have in writing where at first they said I had access from the beginning. When I wrote back to check their records and said exactly what I was told, they replied 30 days later, that a system update was done in the Fall of 2018, which then allowed access. I never received notice of this. I thought this whole time I could not see my daughters account. Even though I've asked them to respectfully remove the negative report, they say they have made several attempts to call and the account was in fact past due. I've never received a voicemail if they have called, but they have no intention of removing the negative report. I do not think this is fair debt collection practices. I was refused access to this account, never told I could gain access and ave been negatively affected by this lender and I wish only for the negative report to disappear. Thank you for any assistance you may be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: PNC Bank N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi earlier this month, I paid a 5 dollar fee to have a replacement card sent out and the card was supposed to arrive within 3 to 5 business days. The card hasnt arrived, and I have had no access to any of my money for weeks. Due to an issue with my phone company, I am not able to call the company to discuss the issue by phone, but I have contacted the company through the bbb, and have not heard from the company this time. I have had similar issues with this company multiple times in the past with my money being put on hold in some sort of way without me being able to access it due to an issue on their end, and it felt like it was being done on purpose. For some reason, I keep having issues with things that should be simple

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to pnc for my credit card and paid them in the branch for the amount owed in XXXX now they are saying that Im 2 months late which dropped my credit score. And it never deducted. Which is messing up my whole business. I contacted them and told them. They said they needed a receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: AVANTE
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection submitted on my credit report by AVANTE USA, that should not be in collections or submitted to my credit report because it was a medical bill that was covered by my insurance in which I have had for years and still have. I can provide my insurance information and the visit information if needed. I would like it removed. I also did not receive anything in the mail about this debt collection, and have not heard anything in regards to a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : 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 2022-03-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus XXXX, XXXX, and experian. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2022-03-11
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: Investigation took more than 30 days

Complaint:
I'm in the process of trying to fix my credit. Recently I've seen many inaccuracies on my credit report. I sent letters to all three bureaus transunion, XXXX, and XXXX. This process has taken to long. I have not received any response by mail or email. Pleased help me resolve this issue.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 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 2015-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Traffic ticket was disputed in XXXX Traffic Court and paid. Open XX/XX/XXXX ... ..last reported XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX the federal protected consumer entered a consumer credit transaction with credit acceptance for a vehicle that had a gas leak I had the vehicle for only 30 days with a voluntary repossession. The car was like an XXXX or XXXX and the credit transaction was worth about {$10000.00} and no finance charge listed at all. They didn't give notification that the alleged debt and they were trying to collect. I used my social security card in this consumer credit transaction used for household and personal use. Credit acceptance has violated me as a consumer in the corporation and needs to held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collections Practices Act and amendments to the Truth in Lending Act or else I will pursue federal litigation if needing re enforcements on the facts of the federal law.

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 2022-03-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I opened an account online with Suntrust Bank. The following month in XXXX my husband and I received our tax refund which was filed electronically using XXXX XXXX software to the Suntrust account. We attempted to purchase a vehicle on XX/XX/2021 within days of receiving our refund but we were not able to complete the purchase because Suntrust had frozen my account without my knowledge. I was unable to use my debit card or transfer any funds out of the account. I contacted Suntrust Customer Service and was advised there would be an investigation. I was also advised this could take several weeks and I would receive a letter when the investigation was complete. I noticed via text message a significant amount being removed from my account during this investigation period. I also called Suntrust to inquire about the suspicious activity which they showed no knowledge of. I was then advised by Suntrust to email their fraud department at the email XXXX.During this time we were XXXX having to live in hotels and relocating. My husband and I had to live separately in different cities for seven months until we could gather funds to move into our own place. WE had planned to start our own companies with these funds. After calling and waiting for months I contacted the IRS to explain the issue. The IRS issued a trace for the funds. We completed this process twice, I was informed by Suntrust this would be the final step to receive our funds back. I have talked to several representatives who have given me various excuses without a lot of information. The total of the funds being held is {$15000.00}.

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