BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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:
Upon reviewing my credit file, incorrect items were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  - XXXX ) XXXX Balance : {$420.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CERTIFIED CREDIT REPOR XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/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 2023-08-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a victim of a scam. On XX/XX/2023 I became a victim of a loan scam. It was a company that was online, that was fraudulent. They were able to hack into my bank account and started reversing transactions, including my rent. I was then threatened to go to XXXX and send them {$1500.00} via XXXX transaction I I was told that if I did not do that, they would make it so that no bank or any other lender would ever borrow to me again because they could make it look like I was the one filing claims and reversing payments to all my monthly bills. When I went to XXXX to send the funds via debit card to my bank, which is JP Morgan, Chase, I called the bank immediately to report this. They assured me on the phone that they would stop all this, and that I would not be responsible for the money I lost. Now XXXX days later Im told from Chase Bank that its my fault that I was the one that sent this money voluntarily and that there was nothing else that they could do. I now am negative in my checking account of over {$1300.00}. After XXXX  years of banking with JP Morgan, Chase they are not helping me in this matter. I have filed a complaint with the XXXX XXXX XXXX and also filed a police report. They are still not helping me I am now worried about facing eviction and I have nowhere to go I know where to find an extra {$1300.00} because I live paycheck to paycheck.Please help. I have all the fake loan documents, and even contacted the company where they were informed that this person was using their letterhead fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of Ed Dept of Ed XXXX XXXX XXXX never lived here ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Name : XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened an automobile loan with Bank of America on XX/XX/XXXX, and the account was added to my mobile banking. 

I have a payment method already added to my Bank of America ( XXXX ) mobile banking app. It is an external account that is linked to my Bank of America credit card. 

When I attempted to pay this bill online several weeks ago, it gave me a message that no bills were due, and there was no option to add the auto loan as a payee from my existing external bank account mentioned above. So I waited. Then, on Friday XX/XX/XXXX I checked again and had the same message. I figured the option to pay, then, would show up once the due date of XX/XX/XXXX had arrived -- but it didn't. 

I successfully reached a representative through their social media messaging ( XXXX ), but while waiting for a response to the problem, I went online on a DESKTOP and manually applied the payment amount due, which was posted on XX/XX/XXXX. 

I did eventually get a response and had already explained what was going on, so I further explained that I completed a payment online and no longer needed help. However, when I checked today XX/XX/XXXX, I could see that the payment posted ( both on the app and my Banking app ) was not applied to the automotive loan, even though I specifically arranged the payment to be applied to the automotive loan. 

Today XX/XX/XXXX I was able to speak with a representative who assured me that my payment would be posted to the auto loan account appropriately, once everything had been processed and the payment had cleared my financial institution. 

Despite this resolution, the representative was still unable to give me a clear explanation about why the payment process was so difficult or why my loan did not show up as a qualifying payee account through the mobile app. 

Since there is the potential for others to run into this problem and face late charges as a result of this problem in the XXXX mobile app user interface, I believe it should still be documented and Bank of America should take measures to correct the issue. Please note that this may have something to do with their " eBill '' system, and you can see in the attached photo that I never received one from Bank of America.

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 2023-03-17
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} 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 2021-10-29
Company: EQUIFAX, INC.
State: CT
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 put in disputes 60 days ago and havent heard from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a care credit loan thru Synchrony bank at my dentists office. I was told I wouldnt have interest for 18 months as long as I made the minimum payments. I actually called them I day I got approved to sent up auto payment to pay off the amount by the end of the 18 months. I then was met with an email 18 month later saying I had {$1500.00} sent in interest. I then found out that they sent my auto pay to the minimum instead of the amount I asked for. I know o should have been checking but I was 3 month postpartum and set it up so I didnt have to worry about it. On top of that I found out they we charging me $ XXXX {$70.00} a month of a card security fee that I didnt sign up for and I was not informed about. They claim it was a voluntary charge but I didnt volunteer for it. They only refund some of the charges amounting in {$610.00} refunding to me but they are still trying to over charge me {$350.00} to pay off before they permanently add the {$1500.00} to my account. I have talked to them numerous times even doing the basic math over the phone with them but they are refusing to listen to there own statement balances. On top of that I cant even get a copy of the last 18 months of statements that only show the last 12 statements so I dont even now if my refund of {$610.00} is correct cause by the collections of just the last 12 month they would owe me {$550.00} so add another 6 months and it should be around {$900.00} not {$610.00} but I can even verify because I cant see my statements. I have tried to be civil but they refuse to even try to listen to the fact that they messed up and are trying to charge me an addition {$350.00} minimum.

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
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Have called and we settled with a XXXX settlement offer as a pay to delete with a first payment of XXXX and the last payment XXXX XXXX has made payment but they are still reporting a - negative balance on 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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$840.00}, XXXX XXXX XXXXXX/XX/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 2023-07-12
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 status incorrect

Complaint:
TransUnion is showing XXXX XXXX Credit Card as a " charge off '' when that account was SETTLED and PAID. Showing the account as a charge off is INCORRECT and fraudulent. Who the XXXX is in charge of TransUnion? XXXX XXXX? It is beyond ridiculous that I have to keep filing complaints against this stupid credit reporting agency that wields so much corrupt power over consumers.

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 2022-06-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Funding Balance {$130.00} 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 XXXXXXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry XXXX XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXXXXXX : XXXX Contact : Not Available Inquiry XXXX XXXX  of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX, I experienced a remote access scam whereby a third party gained access to my computer. The scammer transferred money from my savings account to my checking account and then to a third-party account. I lost {$50000.00}. This incident happened in the evening, and I notified my bank first thing the next morning, within 14 hours, about the scam. They told me they would investigate and come back to me with a resolution within 45 days. I still have not heard anything despite repeated attempts to call my bank, Bank of America.

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 2022-06-03
Company: CITIBANK, N.A.
State: NY
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:
15 USC 1681 section 602 states I have a 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 any 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 2022-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates is trying to collect on debt that I do not owe. I have asked them to prove that this debt belongs to me on many occasions. They have been unable to do so. They bought some debt from XXXX XXXX for pennies on the dollar to make a profit. They only provide an account summary. They have no copies of my signature anywhere ( because the account isn't mine ). They could very easily say the man in the moon owes that to XXXX XXXX. Portfolio Recovery Associates is a very unethical and immoral company. They buy debt from companies with no proof that the debt is actually owed. This is inaccurate and unverifiable but it has yet to be removed. That is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: PMAB,LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made a complaint agains PMAB LLC with the credit bureaus as well as the CFPB about a debt that is not mine. The first complaint they said they sent something in the mail to me i have not received. Second i sent in a validation request on the account. I mentioned to them that if it is being reported to the credit bureaus before i validate it i would file a complaint. Well here goes that complaint. They removed it from my credit reports and then not to long after they told CFPB they sent me something and CFPB closed the account they re-inserted it back on to my credit report. I did not have a chance to validate as i don't have what they claim they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-06-01
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: Investigation took more than 30 days

Complaint:
According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I did not consent to. I was already approved through XXXX XXXX and did not see a need for these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: SYNCHRONY FINANCIAL
State: NC
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 got a letter in the mail with a credit card in it to activate. I never activated the card but I contacted the company and I was told I applied for the card. However, I did not apply for anything. I did have identity theft in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I thought I got everything squared away but it's happening again. I have numerous of inquires on my credit report that I did not authorize.

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