BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contracted Bank of America ( BOA ) multiple times in writing and over the phone regarding being overcharged by XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored my attempts to resolve the issue. I tried in person while on site, over the internet, via email and via phone. 
The merchant overcharged me by XXXX XXXX for renting a car in XXXX. I was quoted XXXX XXXX for an intermediate SUV and ended up with a compact car for XXXX XXXX for 3 days. I opened a dispute with BOA in XX/XX/XXXX. I had multiple dispute claims opened over the following 7 months. The number of the last dispute is XXXX. BOA denied my claim based on the information from the merchant. XXXX 's response to BOA shows the daily charge and all of the fees and taxes applied to it, but there is no explanation why the charge is all of the sudden much higher even though the gave me a lower vehicle class. XXXX 's response to BOA has errors but BOA failed to catch it before denying my claim. Here is an excerpt from merchant 's response : " Amount : XXXX USD '', ... '' Transaction Amount : XXXX USD '', ... and " confirm that disputed charges of XXXXare legitimate '' ( see the page 4 of attached BOA Last XXXX XXXX XXXX ). BOA decided to deny my claim based on XXXX XXXX XXXX XXXX very sloppy response. BOA refused to ask the merchant to explain the base for the daily rate before the taxes and fees and didnt care about the mistakes in merchants response ( correct value of the transaction in XXXX and XXXX dollars ). If the merchant is not punctual in their response to financial institution, how can I be sure they charged me the correct amount? Last time I spoke to Bank of America representative was on XX/XX/XXXX and from their point of view the claim is closed. I pointed out the discrepancies and inaccuracies in merchants response and the fact they didnt address the daily base charge but BOA refused to reopen the claim.

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 2023-01-30
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:
THIS COMPLAINT IS DUE TO EXPERIAN NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW EXPERIAN IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING XXXX XXXX XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY EXPERIAN HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.

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 2017-07-24
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third time I 've written to you about this problem with Nationstar. They continue to charge me for homeowner 's insurance and attach the charge to my mortgage, even though i do n't want that insurance policy and made sure it was cancelled by XXXX XXXX. when i write to them, they say they have to do further research and i never hear from them. they will not allow me to make payments for less than what their website shows, so i am falling behind because i will not pay what i should n't be charged for. loan # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Pinnacle Financial Group, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just got a copy of the Modification that XXXX sent to Selene that Selene then rejected, and their Rejection comments XXXX ) XXXX had the Modification from XX/XX/XXXX till they sold the loan in XXXX why didn't XXXX  contact me and tell me they need to correct the Modification that I had sent back? 

XXXX ) Why did it take so long for XXXX to find and then reject this modification having had it since some time in XXXX and not finding it till XXXX XXXX ) Selene still has still not done an accounting and dumped all the money due under the Cares Act back on to the me from the loan burying me deeper into dept. 

XXXX ) I have applied for a HAF Loan with Georgia explaining to them the urgency of the situation with a pending Foreclosure of XX/XX/XXXX date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not 30 days late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
Just like the university, I am committed to pursuing truth unto its innermost parts. My ideal resolutions would be that XXXX University and Campus Partners immediately remove this mark on my credit report as I have proof that I have been paying the amounts due well before they were 30 days late ; AND to provide me with a clear updated and transparent status of the loan including amounts due and dates due as well as the policy of late fees ( fee amount and when they are assessed during the quarterly cycle ). 
As a result, any report of late payment to the Credit Bureaus is unjustified, abusive and improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I GOT MY ALLY CASH BACK XXXX CREDIT CARD ON XXXX XXXX. I HAD GIVEN MY CREDIT CARD ACCOUNT TO XXXX FOR MONTHLY PAYMENT. XXXX WAS TRYING TO TAKE MONEY ON XXXX XXXX, BUT THIS BANK REFUSE THEM. AL THOUGH I ACTIVATE THIS CREDIT CARD IN XXXX.BUT THIS BANK HOLD MY CREDIT CARD ACCOUNT WITH OUT INFORMING ME. I DO NOT THEIR CUSTOMER SERVICE. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. ALTHOUGH, I MADE PAYMENT ON THEIR WEB SITE ON XXXX FOR FIRST STATEMENT FROM MY CHECKING ACCOUNT. THEY CAN NOT CONFIRM MY PAYMENT. THIS BANK DID NOT TOOK OUT MONEY FROM MY CHECKING ACCOUNT AS OF XXXX. GENERALLY, CREDIT CARD BANK TOOK TWO TO THREE DAYS TO WITH DRAW FROM OTHER CHECKING ACCOUNT. BUT THIS BANK TOOK MORE THAN A WEAK. THIS CREDIT CARD WAS ISSUED BY TD BANK, NEW JERSEY. I DO NOT APPRECIATE THEIR CUSTOMER SERVICE AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the IRS when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and declared it as a loss for tax purposes. 

When a creditor charges off a debt, theyre required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may own taxes on the charged-off amount, even though I didnt receive any money from the creditor.

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 2023-09-10
Company: Incomm Holdings Inc.
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Vanilla Gift Card 16 digit gift card number is scratched out so I could not see the entire number. 

I purchased a Vanilla Gift Card for {$60.00} on XX/XX/2023 at a XXXX XXXX 
When I opened the gift card part of the card number was scratched off. 

I called Vanilla at XXXX. The customer service representative said I would have to provide them with a copy of my driver 's license and also them my birth date before they would log my request into their system. 

I was not comfortable providing them with my personal information and asked if I could just give them a copy of the gift card. They said they could not log my request without me providing them with the requested personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Ditech Financial LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Ditech Financial LLC Amount unknown Has been contacting me for years with " informational purposes only '' letters when my debt was included in my bankruptcy and discharged back in XXXX. I have emailed them two months ago and told them to stop contacting me. I received a new letter today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
Im a victim of XXXX data breach an I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Ive reached out to the credit bureaus to resolve the situation but they still failed to remove the fraudulent inquiries witch is listed as ; 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 2023-01-12
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account CONTINENTAL CREDIT CON. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: NCB Management Services Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services calls my home phone number EVERY SINGLE DAY for SEVERAL MONTHS! They never leave a message. The one time I was home and they called, I answered the phone and asked what they wanted. They were looking for someone named XXXX. I do not know anyone with this name. I asked them to PLEASE STOP CALLING ME! They continue to call my home phone number EVERY DAY! THIS NEEDS TO STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Around XXXX XXXX Midland credit called my cell phone and asked me why I did not pay my XXXX XXXX card today and what will it take to settle this debt today. I told them I do not know what they are talking about, and they proceeded to ask me why do n't i want to pay the debt I owe. I told them I do not have a XXXX XXXX credit card, they wanted my social security number that I refused to give them, the person who they are looking for is an XXXX something year old person I told them its not me and they finally agreed to remove me from their list. I come home and the home phone rings same company once again I told them I already told you to remove me from your list this is harassment whomever your looking for does n't live here, they said OK verify your social again i refused they told me they would remove me from their list. They stopped calling for a few weeks and now this week they started calling again every day they call me trying to tell me I owe them XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have used mobile deposit for years and made very large deposits. We deposited a check on Sunday and it should have been available today. It was not. 
This is unacceptable. We called the bank customer service as well as the branch and every person let us know there was nothing they could do, saying things like I will get a manager but like I said we can not call to verify funds, etc .... how is this customer service? Its our money not the banks money. 
We also asked why the check was being held, no one could verify why and if there was a funds issue on the other end because its all " electronic ''. 
Well then you should be able to see electronically what the issue is, its a lie they know and they should be able to call and we will be closing our account. 
We want this resolved immediately. It does NOT take eight days to figure out if a check can clear on electronic systems. What a racket to collect interest on peoples deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2023 at XXXX a purchase was made by my son without my permission. 
I try to cancel the order and the order was delivered. 

I return the equipment to USPS due to post office doesnt accept it, usps lady said we dont give receipts well let the driver know the lady took the box. 
Their no receipt to delivery and the guy at USAA demand tracking number usps doesnt provided tracking numbers for returns due to the lady at the usps only for sending packages not for returns per the usps lady. 


Order number : XXXX -- Order date : XX/XX/2023, XXXX -- Disputed amount : XXXX USD -- Payment type : XXXX  -- Account number : XXXX -- Items in order : 1 of ( XXXX XXXX XXXX XXXX  Headset with Controller, Adjustable Lenses & Speakers from XXXX, XXXX x XXXX LCD Panels, for Gaming, Ergonomic Design, 4 Cameras, Compatible with XXXX & XXXX XXXX  XXXX  ) for XXXX USD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these hard inquiries on my XXXX  credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # starting with XXXX, XXXX  XXXX XXXX Account # starting with XXXX, XXXX XXXX  Account # starting with XXXX, XXXX XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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