BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
on XX/XX/2XXXX XXXX  acct # XXXX XXXX original creditor XXXX  XXXX balance {$2300.00} XXXX XXXX XXXX XXXX XXXX  original balance XXXX current balance XXXX this company sold the account to XXXX  and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING 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 2022-10-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-26
Company: EQUIFAX, INC.
State: MO
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 list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Subject : Request for Reopening My Customized XXXX XXXX XXXX XXXX XXXX  XXXX Account I hope this message finds you well. I recently discovered that my Customized XXXX XXXX XXXX XXXX - XXXX account was closed by Bank of America on XX/XX/XXXX. After reviewing the situation, I believe the closure may be linked to a series of events that started when Bank of America initiated an unauthorized payment of - {$24000.00} on XX/XX/XXXX on my travel reward card, without my consent or any pending payment obligation. 

Upon noticing this unauthorized transaction, I promptly contacted my bank, XXXX, and requested them to halt the payment. Regrettably, in the process, XXXX also implemented a stop payment on all future transactions, unbeknownst to me. Consequently, when I used XXXX Bill Pay to settle my dues with Bank of America, some of the subsequent payments were returned, leading to a misunderstanding. 

I want to clarify that I have since settled all outstanding balances with Bank of America. It was not my intention to cause any disruption, and I sincerely apologize for any inconvenience this may have caused. I have been a loyal customer since XXXX, and my other accounts with Bank of America have consistently maintained good standing. 

Considering my longstanding relationship with Bank of America and the unintentional nature of these events, I kindly request the reopening of my Customized XXXX XXXX XXXX XXXX - XXXX account. I assure you that such issues will not recur, and I am committed to maintaining a positive and timely payment history. 

Thank you for your attention to this matter, and I appreciate your understanding. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company : American Express Subject : Formal Complaint Regarding Change of Due Date I am writing to formally address an ongoing issue with my Business Delta Skymiles credit card. Despite multiple requests and agreements, the company has failed to implement the requested change of due date on numerous occasions, resulting in the incurrence of multiple late fees. 

While the company initially credited two late fees as a remedy, the problem persisted. On the third attempt to modify the due date, the company once again failed to make the necessary adjustment. Consequently, another late fee was debited from my account. 

Despite providing evidence of a recorded phone conversation where the change of due date was confirmed three billing cycles prior to the occurrence of this late fee, the company has refused to acknowledge any wrongdoing. Furthermore, they have declined to reverse the most recent late fee. 

This situation is both frustrating and financially burdensome, and I am seeking resolution for the undue late fees incurred due to the company 's failure to adhere to the agreed-upon changes. 

I kindly request a thorough investigation into this matter and a prompt resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2022-10-27
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX BANK XXXX Balance : {$7000.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2023, my wife and I opened up a new savings account and a CD with our existing bank ( Capital One ). For reasons that are unclear to us, Capital One froze our existing accounts but we were not made aware of that immediately. The information we did receive indicated that the accounts were frozen because of suspicious activity, but that activity was simply the opening up of our accounts through their process on their own website. 

Because the accounts were frozen without our approval or knowledge, some of our bills that were set up through autopay out of our checking account were denied. After about 3 days, we discovered the issue and resolved the bank 's mistake on XX/XX/2023. However, in the intervening time there were two bills on which we received late fees ( {$45.00} from our water utility ; {$10.00} from a child care provider - documentation available ). 

I raised the issue of the late fees with Capital One. Their customer service said the only thing they could do is provide a letters saying that they suspended the account in error that I could use to try to get the late fees waived. A letter dated XX/XX/2023 from Capital One says that they placed a restriction on a savings account, but a ) does not mention the checking account from which the auto pay was affected ; and b ) does not acknowledge that I was not responsible for the error. 

In any case, this was solely the bank 's error which resulted in additional costs to me. I believe the appropriate remedy is not that I should have to seek out a waiver of the late fees, which I already had to pay, but that the bank should reimburse me for its mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: GA
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:
I have a Best Buy Rewards Visa card issued by Citi. This card has a very high interest rate XXXX APR, and the rewards certificate issued by Best Buy for using their card, expires after a certain period of time, and can only be used at Best Buy. 

The reason for my complaint is the fact that they purposely allowed me use {$610.00} over my credit limit without my consent, and then they billed me a very high minimum payment amount, plus interest. 
In XXXX my minimum payment was {$970.00}. When I called Customer service to inquire why my minimum payment was that high, she told me that I went over my credit limit. I said to her that card are supposed to decline when a customer goes of credit limit. She answered that " we allow you to go over your credit limit because we don't want to embarrass you by declining the charge ''. I could not pay the {$970.00}, I paid {$500.00}, which satisfied my minimum payment minus over the credit limit. 

In XXXX my minimum payment again was {$740.00}, to which I paid a total of {$530.00}, of which they charged {$250.00} on interest. I spoke to customer service again to complain, and nothing was done. The over the limit was reported to the credit bureau which has affected by credit score. 

Credit card companies should not allow one to exceed their credit limit without one 's consent, there should be an option for XXXX to opt in or out. The Best Buy credit card is a complete rip off.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 5th XXXX to tell you that I am a XXXX of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}

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 2023-07-24
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2023 found out my car loan on XXXX XXXX was past due. Called westlake financial, very unhelpful, unprofessional and disrespectful. Identified myself as a XXXX and still was unhelpful as well as hung up on. Asked for number to corporate office, supervisor XXXX XXXX told me I can XXXX it myself, know I'm XXXX she still violated the American with XXXX Act and refused to reasonably accommodate me under federal law!! Account is late and these people refuse to help, also noticed someone over at Westlake deleted my bank information that had been used and on file since I received this car loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: AZ
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:
The company XXXX account number XXXX Reported that their investigation was complete and verified. However, they are violating my rights furnishing late payments on my account under 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; I demand late payments to be updated as on 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 explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation: auto loan not mine XXXX XXXX XXXX XXXX XXXX Violation: auto loan never late XXXX XXXX XXXX XXXX Violation: credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries not mine 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 FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft. I have submitted a police report and a Federal Trade Commission report regarding XXXX fraudulent personal loans on my Experian credit report. However, Experian has not done anything to fix 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 explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 SUBMITTED A DISPUTE TO ALL 3 CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR XXXX  STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company is trying to collect on a balance that is not owed to them. I have know dealings with this company

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