BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these unauthorized inquiries were reported. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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 explanation
Consumer complaint received 2023-11-26
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2023, I cancelled XXXX XXXX insurance to switch over to XXXX. I called XXXX XXXX company to informed them about my cancellation. I also logged into the website and cancelled the policy in my account. However, XXXX XXXX did not cancel my policy but they let my policy remain active until XXXX. Then they charged me for around XXXX dollar for service during XXXX, XXXX, and XXXX. I made it clear with them when I cancelled my policy is that I don't need it anymore. I wanted to cancel it. They did not cancel it for me and now they say I owe them for service during those months. They even send debt collector after me for something I did not owe them. I really made it clear that I wanted to cancel my policy because I switched over to XXXX and I have my insurance policy with XXXX from XX/XX/2023 as my proof of story. 

As you can see from the attached documents, I moved to another state in XXXX and started a new insurance in the new place. I never needed to renew with XXXX XXXX. However, they did not cancel for me when I contacted them. They let the policy remain active for a time and charged me for the service I never requested. This is unethical. Please help me with resolving this issue. 

Please help me resolve this issue and stop this unethical practice of XXXX XXXX company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So on XXXX XXXX I was diagnosed with XXXX, it was so severe I had to be in the hospital I explained to my landlord I lost my job due to my illness. 
I had just got this apartment two weeks ago that month, and they are now putting it on my credit report that I owe {$8700.00} dollars. 
When in reality I hadnt moved my stuff in, and I hadnt moved in yet officially because I was ill. 
I need this removed so now that I am recovered I can get a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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: Their investigation did not fix an error on your report

Complaint:
Disputed the validity of an account. Submitted all the documentation to Experian and they refuse to remove the account due to the reporting agency being a subscriber which certifies the reporting agency is reporting accurate information even though Experian does not conduct an investigation themselves but rely on the reporting agency to investigate their own dispute therefore a conflict of interest. I have submitted the documentation to all   XXXX   credit bureaus and they account has been removed but Experian refuse to remove the account therefore my credit report is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

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

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 2019-07-18
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Good morning. 

I am reaching out to you for help concerning my car loan. I purchased a XX/XX/XXXX XXXX XXXX for {$17000.00} on XX/XX/XXXX. On XX/XX/XXXX, I was in an accident that resulted in a total loss of my vehicle and the driver at fault not having insurance. My insurance company valued my car at {$11000.00} and sent the playoff check for that amount. In the meantime, I was asked if I had gap insurance. Of course I am covered ... ..or so I thought. According to the customer service representative ( XXXX ), CarMax does not offer Gap insurance in the state of SC nay longer. I was unaware of this issue. I thought at the time that I had the proper insurance amounts to cover any losses to my vehicle, even though I was not expecting it. According to my credit union, it is mandatory for most lending institutions to in order to loan money on a car. I bought a new car recently from a dealership in XXXX, SC and the first thing they offered was Gap insurance. While I was not sold gap insurance, the CarMax warranty was pushed really hard, of which I did purchase. 

I had logged in to my account to make sure the insurance had sent the payoff, and I saw that the insurance check had been posted, my account was closed and I had a XXXX balance. The next week, I logged back in because I have another car with CarMax Financial and I was going to make a payment, and I see my previous account has been reopened with a {$2800.00} balance. I called in to see how this happened and I was told that someone had accidentally applied the balance to my account, closed it out, and then it had to be reversed. 

The car is gone. It is totaled. It was the responsibility of CarMax to make sure they at least offered Gap insurance. In the state of SC, it is not an option. This has really caused a lot of anxiety for me. Not to mention, a month after that accident, someone ran a red light, t-boned my husband and I at 70 mph and put us both in the hospital. It resulted in XXXX XXXX for me, a XXXX   XXXX ( that lead to his employer terminating him ) and a XXXX XXXX. Even if I agreed to the {$2800.00} balance, I do not have the means to pay it until we are all healed and back on our feet. I have the information showing where the loan was closed, so I have sent that in to the credit bureaus. However, there needs to be measures put into place to force CarMax to give the customer an option on Gap insurance in the state of SC so that this does not happen to anyone else. 

I have reached out to the corporate office at car max, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, with no resolution. I had customer service call me and offer me a payment plan. They are also continuing to charge interest on the balance! There is no car to repo. It needs to be waived because this was a fault on CarMax, not on me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Capital One reversed all charges from XXXX  XXXX that I had disputed and provided letter from a doctor that my membership be put on hold/canceled due to XXXX. There were 7 transactions of {$36.00} and one of {$49.00} that was reversed. XXXX  XXXX kept charging my card even After I provided letter from doctor that I was high risk XXXX a d couldnt work out. So I disputed my charges and it was still reversed after i provided all necessary information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I go t a Target card wh en I went  XXXX  Friday shoppin g 2016. The gu y at the store must have taken the address off of my license and did n't ask me if it was correct. It was very busy that evening. I noticed I had not received a bill so I called them to take care of it. They sent my card to my soon to b e ex husbands address, which is my old address. He did n't tell me and Target did n't either. I did not have any messages on my phone. When I called to resolve the issue with Target they would not help me they just blamed me for giving the wrong address when I was never asked. I paid the bill that was originally owed based on my receipt. I sent them a letter stating the problem and they keep sending me bills regardless of me telling them I will report them for not even doing a thing to help me. I have NEVER had any complaints about 1 company like this in the past. I just want the Target card cleared and close d. I do n't know that I will shop there again based on this experience. I will tell others of this experience. I think it 's bad customer service because as soon as I realized it I tracked the bill down and payed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When I opened an American Express charge card, XXXX of the " perks '' was an American Express XXXX Savings Account, at AMEX BANK XXXX XXXX and every time the card was used, AX would deposit 1 % of the purchases into the account, that back then was 5.00 % APY. I opened the card in XXXX and closed it this year in XXXX, after I was told by the XXXX XXXX in XXXX that it is considered a " white '' American Express and I was unable to use it there. This past weekend I was clearing out data and found the attached. After numerous attempts to log in online, I phoned American Express who said they didn't have any record of me having an account and the money isn't with the state or IRS, so where did it go? American Express robbed me and numerous others with what appears to be bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, 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:
I previously attempted to get a dismissed public record removed from my credit profile with Equifax. They 've continued to report a confirmed dismissed bankruptcy on my report. It is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed for 10 years. The  FCR  act mentions nothing in Sect ion 168 relating to bankruptcy about dismissals or filings. The law mentions date of adjudication or ord er of relief. A dismissed case no longer exists in the eye of the law and a case filed  may have never been adjudicated. Equifax basically reports information that the government deemed nonexistent. In addition, I was referred by Equifax to contact the US Bank ruptcy court. The clerks at the courts stated that they do not report any information to credit reporting agencies. In addition,  XXXX   XXXX   ( th ird party reporting agency ) was unable to release information about this case- XXXX . Both   XXXX   and   XXXX    have already removed the information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this DICOVERBANK account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, deleted, and blocked off my consumer credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to TransUnion on XX/XX/22 under XXXX tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.

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 2023-07-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have over 20 years experience with bank transfers of XXXX XXXX XXXXXXXX, escrows, etc. and the discrepancy for lost wire transfer by Wells Fargo Bank USA to bank in the XXXX is simply wrongful. Typically, when funds are sent to a closed account the receiving bank does not accept the funds and are returned within 3 to 5 business days. However, Wells Fargo has not returned the funds and has been evasive in providing any proof the funds have been received by the destination bank and the destination bank indicates no such funds have been received. I believe that Wells Fargo or an insider employee is abusing the XXXX system through undermining or lack of internal controls for the purpose of diverting funds to a holding deposit account. These funds are held for the purpose of their own use or could be an individual inside the bank. In normal case any issues with an executed wire transfer should be resolved in XXXX to 5 days ( e.g., sending funds to a close account or wrong IBAN number ). However, I believe Wells Fargo takes advantage of wire discrepancies with the aim to keep as abandoned funds. To substantiate this suspicion, I discussed the matter with an XXXX employee who confirmed he also had some discomfort with Wells Fargo internal controls or even compliance in this area and that it should be investigated. I have an historic account of the transaction investigation which still has not been resolved after 9+ weeks. Facts : Transaction date : XX/XX/2023 Amount : XXXX XXXX ( USD XXXX ) Several cases have been opened with Wells Fargo Bank each time them closing the case after responding that the funds are with the destination bank. The destination bank has been contacted several times and confirm that any funds sent to a closed account are not accepted and therefore Wells Fargo has the funds never leaving the 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 monetary relief