BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Loans are in deferment but the credit reports shows they are open and not into deferment

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 2020-12-21
Company: Global Lending Services LLC
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 received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Collection Management Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX , Balance owed {$1100.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX 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 2022-07-09
Company: WELLS FARGO & COMPANY
State: MA
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:
After closely reviewing my credit reports, I have established that Wells Fargo Auto ( WFDS ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting WFDS a notice that they are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.

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 2019-02-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint # 1 : On XX/XX/19 I pulled up to a Suntrust Branch Drive Thru and inserted my Suntrust Business ATM Card, I entered my Pin # and proceeded to prepare to make a cash deposit to my account. After physically depositing the cash into the ATM, and hearing the ATM count and scan my cash it asked me which account I would like to deposit this to and I hit the button for my main Business Checking account, the machine began to count my money again and then I received a message that my transaction could not be completed at this time and that the ATM would NOT be returning my deposited cash. I proceeded to call customer service, and of course they were closed. I called first thing in the morning and was not offered any solutions at all, and I was told I would have to wait several weeks for this to be resolved. I was further told that my account would be monitored and that if any checks were presented to Suntrust for payment that they would be PAID while I was awaiting credit for my cash deposit Additionally 3 checks have been returned as NOT PAID AND OVERDRAWN, this is crazy ST would do this ... and now they are refusing to charge me the > {$100.00} overdraft fees that they charged me as well as the over {$300.00} in fees that I am being charged by the party that I gave these checks to. 


Complaint # 2 : On XX/XX/19 I went into a Suntrust branch and informed the teller that I would like too cash a check that was drawn on Suntrust and would then like to deposit the cash into my business account. I do this every single month. So from a {$7200.00} check, I presented 2 forms of ID and signed the back of the check and requested {$250.00} in cash back to me and then completed a deposit ticket to deposit {$7000.00} in cash to my business checking account. I received a receipt that shows that I made a deposit for {$7000.00}. I then proceeded to give my employees their payroll checks, and then when checking my bank account online I noticed that my deposit did not post to my account. I have been on the phone with Suntrust Business Customer Service for over 3 hours and they are refusing to escalate this call to management and have told me that I have to wait for the check to clear. This is crazy as this is my $ and my deposit and I do not have access to my funds, and there is nothing that they can do for me. So now the payroll checks the I have handed out will be most likely be returned as OVERDRAWN.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2022-07-09
Company: JPMORGAN CHASE & CO.
State: MA
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:
After closely reviewing my credit reports, I have established that JP Morgan Chase Bank ( JPMCB ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XXXX XXXX, 2022, I sent a letter putting JPMCB a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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:
XXXX XXXX, states on their website that you may prequalify for their credit card with a soft inquiry without having to receive a hard inquiry which may harm your credit score. I applied to see if I prequalified, however, when I checked the box to give them permission to view my credit report, they made a hard inquiry on my XXXX credit report and attempted to do so on my Experian credit report which was locked. When I complained against this violation of trust, they refused to remove the hard inquiry and issued a credit card to me against my wishes. I never activated the credit card, yet they put it on my credit reports! I forced them to close the credit card, but it remains on my credit reports. 

XXXX XXXX, effectively used deception and misleading information to steal my confidential identity information, place a hard inquiry on my credit report and issue a credit card to me that I did not want. This is fraud and I have filed a Police Report and an Identity Theft 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 non-monetary relief
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!

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 2023-06-29
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I submitted written disputes to both Experian & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.

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 2022-02-02
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I, XXXX XXXX, was denied an extension of credit by Destiny XXXX Card. On XXXX XXXX, I applied for Destiny XXXX Card. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ) .Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Destiny should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
I have recently reached out to XXXX XXXX. Regarding the fraudulent account in my name, I recently asked them to provide me signatures. On XX/XX/2023 I havent received anything back. But a number to call XXXX XXXX in which I did and I was told they would send me documents of my signatures that I signed to open the account. And so far I have yet to receive anything. Its XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: RI
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX, XXXX XXXX, and 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 2023-06-29
Company: Experian Information Solutions Inc.
State: WI
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:
Account number : XXXX In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2023-11-10
Company: The Savings Group, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
through XXXX XXXX I was offered a new loan with a new interest rate with a company called Rate Genius which based off the information XXXX XXXX had they said I was pre approved. I entered all information they requested, address, car, I uploaded proof of insurance, ID, registration and my income of {$52000.00} for last year! With that information I was given an approval and a rate of 9.49 % which was Lowe than my current 14 % with XXXX. They told me my payment would go from {$620.00} - $ XXXXapx and all they needed to do is run us a hard credit check. I have a XXXX credit score which is in the lower good standings but Good. A representative from the company Rate Genius XXXX XXXX mailto : XXXX XXXX called me to verify my information. And said she will get back to me. Rate Genius made it seem as if I was going to be approved with all the correct and current information I have them. XXXX messages me via text and then asked if I can get a co signer, which I dont have or want. The application made it seem I didnt need one. So I got a response email from Rate Genius stating that I DIDNT WANT TO GO THROUGH WITH THE LOAN which is the not case, XXXX is the one who said that my payment would be more than what Im paying now and they cant help me! 

Im upset because they were miss leading regarding saying they can Lower my payment. And leading me to do a hard credit check hurting my credit score. If I knew they were lying I would have never ran my credit through them. 

Im also reporting that they did nothing to help or guide me to someone who can help! XXXX was quick to call me for verification of information and quick to text me if I had a co signer, but when i text her for information to home office or customer service she ignored me and left me on read What can I do about this and report Rate Genius as a misleading company? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please explain the following finance charges ( shown as of XXXX ) : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} I also noted that your system moved the dates of the charges around for whatever weird reason so today XXXX I looked and see this order : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} First of all, for the month of XXXX I was NOT late ( I paid on the due date which was the XXXX of XXXX ). 

I have reached out ( via secured messages/online support ) several times regarding this, including a call with a rep who admitted that this was wrong and she would issue a credit. As of today, nothing was resolved. 

I will replace recurring charges on this card, pay off whatever the remaining correct balance and won't be using your product anymore. I will be sure to write a review about this experience on XXXX, XXXX XXXX XXXX, XXXX and all relevant review sites to warn consumers about you including relevant screenshots etc. to outline how awesome the user experience is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: National Commercial Services, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have been able to contact someone at NCS back in XXXX of 2022. I have informed them that I would like to make an offer of settlement of already made payments. The person who has been in charge at NCS XXXX XXXX refused to share my request with the client XXXX XXXX XXXX. 
I then asked again why would he not share my email or request to settle with them. We have gone back and forth many times and he has refused to share my offer with his client and for whatever has said he would if I made an offer and when I told him I did, he says it is an acceptable. I then asked what is acceptable for the client XXXX XXXX XXXX and he keeps telling me to make an offer or a better offer. 
At this point I dont know if the client actually exists and he is refusing to take my offer to the client or there is no client and he is using a fake client. 
I then asked to speak with his boss and he has refused to provide that information as well and said he is the only person I will be dealing with and no one else. 
At this point I dont know what else to do. 
1- I made an offer per XXXX XXXX XXXX but he is refusing to take it to his client XXXX XXXX XXXX 
2- I asked him to ask his client what they think is a fair offer to close this settlement and he is refusing to provide that as well. 
3- I asked to communicate with the client and he has refused to provide that information. 
4- I asked to communicate with his superior since I dont believe he is being honest in his dealings, he has refused that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 my Bank of America card was closed. I had {$3200.00} in my account when it was closed and my money was removed. I have tried endlessly to get this money back. I guess my account was flagged as fradulent. I have called AZ DES, emailed XXXX XXXX 's office, XXXX XXXX to no avail. I had a contact at DES who would actually call me back. Now I am afraid she is gone - I have called 4 times and no return call. 

I contact BOA and was told that it was AZ DES who had to fix this problem. AZ DES also told me it was BOA who had to fix this. It is now XX/XX/XXXX and I think 5 months is just ridiculous with no answers. 

I have attached a copy of my statement from BOA showing the deduction and closure of the account.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Victim all of these inquiries are false all info is attached below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from 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 XX/XX/2022 XXXX XX/XX/2022

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