BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a victim of fraud and misrepresentation on or about XX/XX/XXXX. 
1. At the time of the contract, I was unemployed without any possibility to pay any debts. 
2. A non-homeowner income was used for qualifying purposes. 
3. I never received the alleged rebate that was promised to me at the time of the contract. Since the rebate was not given the payment of the solar panels increased and I was unable to keep up with the payment causing me to fall behind on payments. 
4. I was never notified that any electricity that was used beyond the capacity of the solar system would be charged by XXXX at end of the year. 
5. On or about XX/XX/XXXX, a solar company representative of the solar company came to my house turned off the solar system, and installed a lockbox terminating any further use of the solar panels. 
6. When they locked the system, I contacted the solar provider to arrange a payment option which they declined and said I had to pay it in full or it would go to collections. 
7. The solar system was installed on my roof knowing my roof needed to be replaced. 
8. Two licensed general contractors of the State f California inspected my home shortly after the installation of the solar equipment and certified that the roof needed to be replaced and a nominal fee to uninstall and install the system after a new roof was installed ( estimate available upon request ). 

Be advised the process to qualify for this solar panel was fraudulent. I have never been able to use any of the solar panels since they were installed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
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 do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX # XXXX 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 XXXXXXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the XXXX Complaint before Filing a Lawsuit against TransUnion and XXXX! There is a fraudulent account on my TransUnion and XXXX XXXX XXXX with XXXX XXXX, Account Number : XXXX, also known as XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( the way it is reported on my XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the report is not included on my consumer report. TransUnion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2018-05-12
Company: Worldwide Processing Group, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/18 - XXXX XXXX XXXX ( XXXX ) contacted members of my family whom I do not even speak to, nor have seen in years. They called an aunt and called my mother and proceeded to tell them that I owed a huge debt and that they must make contact with me, told them what kind of debt ( store credit card ) and that I was facing jail time due to it. I do not have contact with these people due to family reasons. Now, this company has violated my privacy by discussing my personal debt. It is creating more problems in my life by sharing information that is personal and private. In no way, should this practice be legal and I feel violated. I contacted this company and this is over a 3 year old store credit card for maybe {$300.00}, they would not give me an exact amount but this was the credit limit on card. He told me I had to pay $ XXXX {$570.00} in order for no more calls to be made by people they found " skip tracing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX and chase are the instructions involved. There was a purchase to XXXX for a specialized strength workout magazine. The item was to arrive in a booklet format and digital. Only the digital version was made available the physical copy never arrived. 

Reported to chase on XX/XX/XXXX Chase denied the claim XX/XX/XXXX Chase claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX " reported twice '' TD Auto Finance, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my XXXX XXXX, which affects my ability to obtain credit and other financial services. 

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from 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 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on Transunion 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 2022-12-15
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:
On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, XXXX and Trans Union stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.

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 2020-11-11
Company: EQUIFAX, INC.
State: NC
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:
THESE LISTED ACCOUNTS WERE OPENED FRAUDULENTLY IN MY NAME. I AM THE VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a purchase for {$650.00} on Amazon.com using my Synchrony Bank store card. This purchase had a promotional rate of 24 months at 0 % APR, as shown in my XX/XX/XXXX statement. 

On XX/XX/XXXX I made a payment of {$1300.00} on my account. The above transaction was the only promotional balance on my account. I had the " standard allocation '' option on my account, which indicated that my payment would first be allocated to the minimum payment on my promotional balance ( {$27.00} ) and the remainder would be allocated to my non-promotional balance, which on XX/XX/XXXX was about {$2000.00}. I intended to have little to no remaining non-promotional balance on my account, due to its high APR.

However, unexpectedly, I noticed two days later on XX/XX/XXXX, that my payment had been allocated almost entirely to my promotional balance. I immediately contacted Synchrony Bank and was told via their representative XXXX XXXX that they would " Allocate the whole amount apart from minimum due to the non promotional balance ... 
It will take 1-2 billing cycle to reflect online. '' I saw no changes after checking my statement monthly since then and have contacted Synchrony Bank via their chat function multiple times to resolve this, and have always been advised that they are working on it, but have seen no action. On the last communication, on XX/XX/XXXX, I was told by their representative XXXX XXXX, Operations Manager that " It should be resolved in 7-10 days ... Totally sorry, That we missed on resolving this accurately. '' I informed XXXX XXXX that I would proceed to contact the CFPB if it was not resolved. 

Upon checking my statement on XX/XX/XXXX, the issue is still not resolved. This is unacceptable as I continue to see interest charges that should not exist, and was never able to take advantage of my promotional purchase. I have continued to make payments as I intended to, as if the promotional purchase was still valid on my account. 

I am attaching the relevant statements and chat logs.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was made aware ( XX/XX/2022 ) today that XXXX XXXX XXXX  made a hard inquiry into my credit report with Transunion on the same day. I did not authorize this inquiry and when I spoke to XXXX a representative of XXXX to dispute this action because it did in fact lower my credit score I was told those dispute can only be resolved via regular mail. She further stated I would have to send documents stating my reason for deletion of the inquiry. The only document I could possibly send would be a letter stating I didn't authorize the inquiry. The burden of proof falls to person saying there is an issue and not to one who did the action. Further more the practice of requring someone to use the USPS is discrimination against people in the transportation industry which, in turn further victimizes them and then exposes people to covid ( unnecessarily hanling papers and documents from random people ) an issue that can be resolved and disputed via online or over the phone. I am an XXXX XXXX XXXX XXXX XXXX with no access to printers or a mail box. I am away from home for months at a time. I made Transunion aware of a bank requesting my credit report without my consent and they refused to investigate it and are making it virtually impossible to resolve, but reduced my credit score for something I didn't do.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX  XXXX # XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX  XXXX5 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 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 seven 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 of 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 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX my XXXX account said that TransUnion was reporting I have 2 late payments. I tried to obtain my free annual report from TransUnion online and was unable to because the security questions they are asking me have nothing to do with me. The people named in questions are names I've never heard before. This is the 2nd time this has happened. In XX/XX/XXXX I was turned down for a XXXX cell phone because of my credit, and I knew my score was over 800 at the time. XXXX 's credit dept told me they use TransUnion. I went online to get my TU credit report and could not answer the 3 security questions because they did not have anything to do with me. I called the customer support number at TU at that time and spoke to more than one person who looked at my account and couldn't understand why that was happening. It is now 6 months later and the same problem persists. So we have a situation where my credit score is used for all sorts of things, TransUnion is potentially reporting incorrect  information about me, they clearly have incorrect info linked to my account based on the security questions, and I am unable to get someone to help me resolve it.

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 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received my unemployment threw Bank of Americas prepaid card which I have so many problems issues and complaints with this card and the customer service its ridiculous. Worse part is they told me that the bank accounts I tried to transfer my money To are not compatible with there transfer service which is ridiculous. Beside the massive fraud that was charged onto my card which they still have not reimbursed me for all of it although they did reimburse me for some of which they refuse to deal with me the first time I reported the fraud instead they said they closed the dispute never investigated and made me verify my account only to have to reopen the dispute. In which case they missed a large majority of the fraudulent charges and i am now. Trying to finish filing the disputes on such but of course now they are forcing me to go verify my identity at a local Bank of America. Although they lied and told me that the forms of identification I could use were incorrect and not sufficient for them to verify my identity when I went to the bank to do so. Besides that they constantly cut off access to my account due to fraud protection leaving me stranded with no access to my money on multiple occasions. On more then one instance where I was even forced to wait two days stranded without shelter food or any way to access my money until the weekend was over and the department was open. Multiple times I was cut off from access to my money when I needed it forcing me to barrow from others sometimes paying up to double what I narrowed back for very small amounts of time. That along with the extra fees and the inability to use the card on most applications to transfer any money out of the app or to another financial institution that was acceptable by there terms although that was never made clear what banks were acceptable And because of another complaint and issue I am trying to resolve with boa and them closing of my account with them over ten years ago. They refused to reconsider there choice of accepting me as a client which would of made the whole situation go away but instead Bank of America and there horrible customer service reps who will throw you away hang up or make the situation even worse for you calling them I am more then just unsatisfied. And I want to finish filling these disputes and to get the rest of my money back

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 2022-05-23
Company: Wilber and Associates, P.C.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband and I received a letter addressed to my father at our address. The letter, from Wilber & Associates, P.C., stated that " We are now handling this claim on behalf of XXXX XXXX XXXX XXXX Our client is seeking reimbursement from you as a result of the incident which occurred on the claim date listed below. Your cooperation is required to reach a complete resolution. The letter goes on with other paragraphs. At the bottom of the letter is the following information : Wilber File Number : XXXX Online Access Key : XXXX Claim Date : XXXX Client Claim Number : XXXX Claim Location : XXXX  XXXX, XXXX The problem is that my father, an XXXX year old man with XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX in XXXX XXXX, sold his home in XXXX XXXX, XXXX  in summer of XXXX. He moved from XXXX  XXXX in summer of XXXX. 

I also contacted XXXX XXXX and they have no record of any claim related to the address in question. 

When we called the Wilber toll free number, they were very aggressive and would not let us explain that it was not possible for the claim, related to a home, to relate to my father. the sale of thee home is public record. 

Please assist in advising Wilber and Associates to stop their harassment of my father and of us and to stop threatening to affect any of our credit scores, etc.

Company response to consumer: Closed with explanation