BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX BANK XXXX {$1100.00} XX/XX/XXXX XXXX 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 2022-10-22
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 non-monetary relief
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: SC
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 have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, This is in regards to my mortgage with Home Point Financial Corporation. They are misapplying payments and making me at fault that I'm behind on payments. This has been going on since XX/XX/2017 and still not resolved. I have reached out to the company and spoke to multiple agents, managers and in house collections and in house foreclosure but still not sure what the issue is. Per my knowledge, we should be current on the loan and I'm not missing any payments. I have all the back up documents that I can share as the proof. I will appreciate it if someone can please reach out to me in regards to this matter and help me resolve the issue. 
I can be reached at XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-07-10
Company: Experian Information Solutions Inc.
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:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior XXXX certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

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 2020-10-02
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I bought a kitchen suite from Best Buy. When it was time to pay I told the sales person that I was using two different cards, some on my Best Buy card but I only wanted to put like {$1200.00} on my bbcc so I didnt max my card out. He told me Im sure theyve given you an increase as I replied to him that they had not and I would know if they had. I told him to call Citi Bank to see if they would give me an increase, he swiped my card and over drew my account. I was furious when a few days later I noticed my XXXX lowered my credit limit to were its almost to the XXXX, XXXX did the same thing as well as XXXX XXXX. 
I had a credit score that was pretty good and I know Ive used my spending is getting high but Im trying to help my XXXX daughters which they both have XXXX yr olds, Covid isnt helping anymore anyone. The guy at Best Buy really messed my credit up and Im almost in tears every day because if I need to go buy a car for instance I cant. Not one person at Best Buy or Citi Bank even tried to compensate me which I could care less I want my credit fixed, I wasnt the one who messed it up but I have to fix it. I dont think people understand how hard it is to take care of this and watch XXXX babies. Please, Please tell me we can fix my credit! I told that guy what he needed to do and he didnt listen!

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 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BANK OF AMERICA has shut down my personal checking account and credit cards without consent. BANK OF AMERICA has caused me alot of harm because there was a fraudulent debt collector who was collecting about {$60.00} from me weekly so I disputed it with BANK OF AMERICA and they credited me the amount that was taken. The fraudulent debt collector sent BANK OF AMERICA a fraud copy contract which is not sufficient evidence of alleged debt according to 15 USC 1692g and BANK OF AMERICA reversed the credit they gave me putting my account in the negative. Because my account went negative even though I tried to pay my account back to a positive balance BANK OF AMERICA has closed my personal account and personal credit cards causing me to lose money and causing me a lot of harm mentally and physically. BANK OF AMERICA has discriminated against me by denying me my right to credit according to 15 USC 1602f. BANK OF AMERICA is in violation under 15 USC 1602p for using my credit card to where I receive no benefit because I have been abused by BANK OF AMERICA. I have lost sleep i feel abused, abandoned, forgotten, not taken seriously, and extremely violated even though I have tried to settle the matter. BANK OF AMERICA has not responded to my affidavit so there defaulted and know they are operating in BAD FAITH and have performed consumer misconduct. This ill will act from BANK OF AMERICA has caused me to lose faith in the banking system and I am no longer willing to extend my credit.

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 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX  and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: SYNCHRONY FINANCIAL
State: MD
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:
Paypal is suspending my account every month. Then as I try to pay Paypal websites indicate that I owe XXXX amount due. Then they charge me high interest and late fees and it's their fault. I am filing with other federal agencies for an investigation for fraud. I am presenting evidence which I have copies that will prove that Pay pal is trying to enrich themselves and they need to be investigated immediately for fraudulent activity. 

See attached evidence

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2020-10-02
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 should not be reporting that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2018-11-16
Company: AES/PHEAA
State: UT
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:
I have tried submitting disputes org XXXX about errors on my report but it does not save. If I try to start a new one it wont let me and says my information doesnt match there records even though I had previously started one without a problem. 
XXXX  makes it extremely difficult to dispute an error. The score they give is dramatically different than other credit agencies. 

XXXX does not process applications or report current information to credit bureaus. It keeps increasing my balance for no reason and the account is deferred while I consolidate and change servicing companies. XXXX has thousands of complaints but no one will do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
please remove these inquiries and names that do not belong to me. I have attached an identity theft report and have did some research that shows that after receiving this information you have 4 days to block this information from my credit profile 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of you will find all inquiries in the attached report. Also you will find names that are not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Pursuant to 15 U.S. Code 1605 - Determination of finance charge- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.

Finance charge is defined as the sum of all charges according the federal law above. The sum of the finance charge is equal to any or all payments, so that includes late payments. The vehicle was already paid off once the car was purchased therefore late payments do not exist.

Pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I the consumer never received a mailed " late notice '' within 21 days before the payment due date. Bridgecrest has violated 15 U.S. Code 1666b - Timing of payments, therefore the late payment is illegal according to federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have maintained in good standing the same account with Bank of America for over 25 years. On XX/XX/XXXX, I deposited a cashier 's check at the branch for {$6000.00}. Bank of America placed the funds on hold until XX/XX/XXXX ( Yes 8 business days ). I called B of A and spoke with an agent and supervisor who explained that due to losses, checks over {$5000.00} including certified funds are placed on hold. Regardless of the banking relationship. This is a UDAAP issue for a few reasons. 1 ) B of A placed an extended hold on certified funds for no reason while earning Interest / investment returns to benefit the bank. 2 ) B of A does not place all of their account holders funds on hold for 8 business days. I am writing this complaint on XX/XX/XXXX because I truly believed the funds would have been released sooner.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: IL
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 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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!

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 2023-04-19
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Furnishing personal information that is not accurate. Also furnishing report without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I have had a mortgage at Suntrust and at the beginning of XXXX, I change my mortgage to a different bank. On XXXX Suntrust paid my taxes for my house. I called them to stop the process but they told me it is impossible to stop at this type. On my tax bill, I can see that the Suntrust payment was rejected ( XXXX $ paid ) on XXXX XX/XX/11. I have contacted Suntrust to refund me for my money. I received multiple information, that the money will be refunded at the beginning of XXXX, then in XXXX and XXXX. Today, I was told by Suntrust that the money was the return on XX/XX/XXXX and I need to wait another 30 days to start processing the return. At this point, I have not to trust at all, since information like that was refer to me already multiple times. 

Anyway, I don't have money since XXXX last year, I don't see a resolution to my situation. I feel hopeless and injustice, given the amount of time that my money has been withheld for so long time.

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