BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: AZ
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:
I have multiple mortgages with XXXX and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-01-17
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a {$50.00} and {$25.00} prepaid visa card for attending a timeshare presentation in XX/XX/XXXX. I went to used the card and I noticed they expired XX/XX/XXXX. I called the telephone number on XX/XX/XXXX to report that these cards were never activated or registered. The representative XXXX stated the balance was forfeited because it was not used by the expiration date. The card account information is MyPrepaidCenter.com XXXX, the company that manages the card is Blackhawk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data 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 2023-01-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am attempting to redeem Cash Back Rewards that I earned on my Sam 's Club Master Card through Synchrony Bank. My last monthly statement shows that I have {$120.00} Cash Back Balance. I called into the Sam 's Club MC credit service phone number and I reviewed the Sam 's Club credit card web site. The Sam 's Club MasterCard web site offers no information or method on how to redeem your cash back balance. When I called in - the person I  spoke to was unable or unwilling to offer me any method to cash in the rewards and said I need to wait until XX/XX/2020 for rewards to be available but could not direct me to any web site/pages with their rules or explanations of how the cash rewards can be redeemed. It appears that Synchrony Bank Master Card is purposefully making the rules unavailable and misguiding consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: MA
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:
Citibank did not send monthly statement. I did not know credit card had a balance. Because I was not sent a statement and did not make a payment Citibank charged me interest on the balance and a late fee for not making a payment on time. This is clearly a scam to charge interest and late fees.

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 2023-05-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a regE dispute for transaction that happened on XX/XX/20 in the amount of {$58.00}. I had a product described to me as top of the line having all these features. The company called while I was in the hospital and described it to me over the phone it was for a nebulizer and at that time I gave them my card number. I never saw anything from the company or anything that before purchase I had to go off the person 's word because of being in the hospital. When I got it and saw that it was the cheapest model that is out there sold on XXXX and other medical equipment companies everywhere for {$20.00} I contacted the company they refused to price adjust, then I said I want to return it they refused to return it, wouldn't let me talk to a manager. Now Truist Bank is saying it's not a reg-e dispute and I don't see how this is not I gave my card number over the phone for a product they described that had features that they talked about that this product that I received is not it basically fraud by deception. I'm feeling this complaint because I know regulation e I was in banking for 20 years and I don't understand why Truist Bank says this doesn't fall under 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 2021-12-01
Company: CarMax, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has not been reported to the bureaus since my last complaint filed against Carmax with this office. The account is now paid in full and it is still reflection open and with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
JPMCB AUTO FINANCE - 01/04/2024

SERRA FORD FARMINGTO via 700CRSERRA FORD FARMINGTON HILL -11/24/2023

ALLY FINANCIAL- 11/24/2023

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 2023-12-22
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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

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 2019-12-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/19, a transaction for {$1000.00} was made to XXXX XXXX Firm. On XX/XX/19, the services were terminated since no services were provided and a refund was requested. On XX/XX/19, a debit card claim # XXXX was initiated with BBVA stating no service or merchandise had been provided by XXXX. On XX/XX/19, I provided BBVA with the supporting documentation requested at XXXX, XXXX and XXXX. The investigator called me back and said she was have her manager approve the dispute that afternoon. She apologized saying they didn't realize I was a BBVA employee. I would see the credit post to  my account that night. On XX/XX/19, I followed up about the status with no reply or credit in my account. On XX/XX/19, I received a letter saying the claim was denied but I had a right to request copies of the documents which BBVA relied on in making their determination. On XX/XX/19, I requested the documents. I provided my email and mailing address for the documents. On XX/XX/19, I followed up on the status of the requested documents. To date, I have not received the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: FL
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:
At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a call at XXXX to my business, from a caller-id that said it was 5/3 bank. It was a robo-call asking me to call them back as soon as possible due to a problem with my account. I don't believe I have a 5/3 credit card or account. 

I called back and they insisted on my social security number to give me any information. I of course refused to give it. They insisted, and I of course refused. They refused to look-up the account based on phone-number and insisted I go to a bank-branch tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I XX/XX/XXXX I took out a loan against my house I gave them all my paperwork because I had a lawsuit filled against me and my daughters for back pay property taxes. My loan went through and they paid off my taxes. My property taxes were and insurance was to be included in payment.But in XXXX the county of XXXX filled another property lawsuit and I never received notice until they the county of XXXX Texas put up a forclorsure sign for back property taxes owed. I went to the county office and said they had not received property taxes and they were XXXX dollars again I kept telling the bank but they would not listen they were paying the wrong taxes on a different lot. In XXXX J. P Morgan took me to court and I told the judge they would not take my payments because we were under a modification but they kept giving me the run around I let the banks attorney and the judge know about the taxes and the forclorsure the county had on my home. On XX/XX/XXXX the judge in XXXX County denied the expidied forclorsure. Now it is XXXX fillies a lawsuit in civil court in the XXXX District of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.

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 2021-12-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently settled a balance with TransWorld Systems Inc. The person on the phone advised me that they would delete the account from my credit reporting as part of the settlement. The account is still listed on XXXX and XXXX. This is in violation to terms and needs to be deleted asap. I have attached a copy of my settlement letter. Please delete and do not force me to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My little XXXX XXXX XXXX kid use my XXXX to order kid meal from XXXX {$25.00} without my permission. I cancel that order right away and never received any order ( restaurant didn't make it ). I call Citi to dispute this charge cause I didn't recognize. They refund me, but a month later, they charge me again from Citi XXXX card ending XXXX  I didn't agree this result, so I chat someone in Citi. She said she already successful credit me back. Let me wait 2-3days, credit will refund to my account again. But 10days already, I received nothing.

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 2020-01-08
Company: Collection Bureau of America Ltd.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Below is the email I sent to Collection Bureau of America on XXXX XX/XX/2019. I followed up with another email asking for a status on XXXX XX/XX/2019. Today I saw a collection note on my XXXX XXXX account. I originally got an letter per the USPS dated XXXX XXXX from CBA ( I live in the country and pay everything on line with automatic debits, so I don't open a stack of letters but every few months, I know, crazy ) and never received a phone call saying XXXX XXXX  was sending me to a collection agency for the {$4.00} for the water cooler rental. They now want {$250.00} for several months rent on the cooler, their fees and FULL price for a water cooler ( {$170.00} ) that I have probably paid {$700.00} in rental fees for over the last 10 years and have never asked for any maintenance on. 

Below is the email sent XXXX XXXX. 

To whom it may concern, I recently received a collection letter from CBA for XXXX XXXX XXXX XXXX XXXX. 

I have never received any positive communication from XXXX   XXXX about this account status. No phone call, no certified letter, no email receipt of confirmation about this issue. 

I thought my account was being paid with an automatic withdrawal that I had set up. It turns out that debt card was canceled due a bunch of XXXX debit cards being compromised about 10 months ago ( sorry, it's easy to overlook small charges of {$4.00} ). 

I have been a customer with XXXX  12-15 years. I have paid about {$5.00} dollars a month for a water cooler lease ( 12months X {$5.00} X 12 years = {$720.00} at least ) for that time. 

I will be happy to pay what I owe ( plus interest, but not the XXXX fee of {$38.00} ). If this isn't acceptable, I have a XXXX XXXX of over XXXX. I will be glad to take it up with Equifax and TransUnion if I have a collection item show up with them, or in small claims court if needed. 

Bottom line, I would be happy to continue to be a customer of XXXX  and pay them what I owe ( something like {$48.00} plus interest ) and continue to rent a XXXX XXXX XXXX water cooler for {$5.00} a month ( this seems like a win/win situation ). This would also gain them glowing reviews on their website from me! If XXXX  wishes to terminate our relationship totally, I still want to pay what I owe, per the amount mentioned in this paragraph and they are welcome to come retrieve their water cooler at my house, just like they dropped it off XXXX or so years ago. 

Thanks XXXX

Company response to consumer: Closed with explanation