BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello I have been trying to resolve an issue with TransUnion over their tenant screening report with me. I have been denied housing due to inaccurate information that should not be on the report. I have been denied housing and discriminated against. 


My name is XXXX XXXX XXXX XXXX XXXX XX/XX/1990 XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2022-11-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was absolutely ripped off by Jetblue. Plain and simple. I was promised on a flight that if I signed up for the JetBlue Barclays Mastercard, I would get XXXX points, no annual fee. I was literally given a booklet and a pamphlet advertising it all. I went and I applied and not only did I get hit with an annual fee, but I never received the XXXX points as promised. Yeah when I called them they said because I applied on XX/XX/XXXX and the promotion didn't take place until XX/XX/XXXX so I was not eligible. I find these business practices to be misleading and disgusting. You cant hand out promotions and flyers on a flight, announcing for people to apply for something but not mention it doesn't take effect until XX/XX/XXXX. Unacceptable, misleading and wrong. They were handing out flyers on these flights and announced it on the PA system, I guarantee I was not the only one misled by their shady business practices. I also don't like how they advertise introductory 0 % APR for a year, but then in small letters later on after you apply it says 0 APR only for balance transfers. That's shady too but that's the least of the problems I have with this card.

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 2023-10-21
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX XXXX it had 3 miles on the truck. So after flying from XXXX to XXXX to pick this Truck up. In which I had a {$75000.00} check in hand that process alone took 2 hours for no reason. This isnt my first time doing this and the process was supposed to take 30 mins or less. Stranded on the side of the road after being only 63 miles from the dealership I noticed the air was leaving the vehicle at a rapid pace. 27 to 25 to 20 to 18 then I pulled over and didnt see a nail in the tire. So I saw a sign for a gas station and barely made it there 18 to 10 to 8 to 2 and thank XXXX I was pulling into the gas station. So after taking the tire off I noticed the tire valve was extremely loose on this brand new XXXX XXXX yes a XXXX! I was upset and missed my XXXX appointment because of this inconvenience. The friendly XXXX rep XXXX wasnt very knowledgeable on the process of the check or how to keep a customer satisfied. I told her what happened and she didnt care. She said call road side ( in which they said a 2 hour wait ), which is why I changed the tire ( that was a struggle )! The truck has been in the shop for leaking trans fluid then oil 4 times. 
*** ( XXXX responded about hrs later with the roadside assistance gesture, they knew we were flying out there to pickup the vehicle & they still werent prepared, & friendly XXXX wasnt very friendly & communications were very different after the purchase was completed )!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting debt validations of accounts that I saw on my credit profile. I received a letter back saying that they were validated. I am writing to dispute the verification of the accounts on my credit report. I recently obtained a copy of my credit report and found that the accounts in question, have been verified. However, I believe there are inaccuracies or discrepancies regarding these accounts. 

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 I request that you conduct a thorough investigation into the accuracy and validity of these accounts. I believe there may be errors in the reporting, and I would like to clarify and rectify any discrepancies that may exist. 

Please provide me with the following information pertaining to these accounts : XXXX. Documentation and evidence proving the accuracy of the reported accounts information. 
XXXX. Copies of the original signed agreement or contract between myself and the creditors pertaining to this accounts. 
XXXX. Detailed payment history for the accounts, including dates and amounts of all transactions. 
XXXX. Any other relevant documentation or information related to the verification of this account. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. I kindly request that you keep me updated on the progress of the investigation and provide me with a written response regarding the outcome. 

Additionally, if you find any errors or inaccuracies during your investigation, I request that you remove the disputed account from my credit report, as required by the FCRA. 

Please consider this letter as a formal dispute under the FCRA and take the necessary steps to rectify any incorrect information on my credit report. I appreciate your attention to this matter and your timely response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, 2021 My car was broken into while at the beach. My wallet, phone and car key were stolen. Within 2-3 hours the thieves had gone on a spree racking up {$35000.00} of luxury goods at stores we have never been to. All of the charges were reversed on our credit cards, however, CHASE has refuted the charges on our ATM card, which we assume they used as a debit card. CHASE has refused to reissue the funds stolen from us even though we have documented where we were, provided other card company 's decisions and a XXXX report stating we were with a mechanic at the time of the charges making a new key to drive for our car. We NEVER made retail purchase on this card. We have had negligible with withdrawals ( less than {$200.00} at a time over the past year ), we have provided all the pertinent documentation along with proof of these highly unusual charges on this card. CHASE continues to deny our claims of fraud because the charges were made ~ in person~ with an ID. The entire wallet was stolen so they had the drivers license as ID. We are now out about {$17000.00} from 3 different charges on the ATM card at high end stores. Please help us fight this fraud and get our money back. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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:
Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, Equifax, and XXXX ) located in XXXX XXXX XXXX XXXX, TX XXXX ( Equifax ), XXXX XXXX XXXX  XXXX, PA XXXX - XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) . This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, Equifax, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TD BANK US HOLDING COMPANY
State: AZ
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:
I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with XXXX sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the XXXX XXXX. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I canceled a pay-in-advance/month-to-month membership with XXXX  XXXX XXXX. 
I contacted the XXXX company and the CEO XXXX XXXX as well as Huntington Bank. 
Huntington informed me the charge was manually canceled. XXXX XXXX informed me he canceled my pay-in-advance membership when I informed him I no longer wanted to be billed. 
I believe it is a violation of consumer law to cancel a pay-in- advance membership and then bill someone for services they didn't receive. 
I am disputing {$69.00} to XXXX billed me on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM the consumer and I have not consented to, authorized, nor benefited from the following accounts or inquiry. Block and remove the following accounts from my consumer report as I have a right to privacy pursuant to 15 USC 1681 a ( 4 ). There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions I the consumer did not request this information to be blocked in error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 understand that you are Very Busy people there at Transunion and I would Like to thank you kindly for getting me the disputes update dated for XX/XX/XXXX I still disagree with your finding on I believe that you are not conducting full investigation at your location. per the FCRA I have the right to asked you your method Of verification and I exercising my right under the FCRA. per the ftc you must tell me and Provide Physical proof I will be traveling for work off and On and I do asked if you could respond with the method of verification Cfpb site with your document and what have you! Alright XXXX XXXX  XXXX XXXX on page 7 OF 8 dated XX/XX/XXXX I need to know the name and Phone number of who you spoke with employee Id and company address. I need for you to send me Transcript of you sending XXXX XXXX the dispute information and the time and date they responded back to you and what information was sent. The reason I asked you for this information Look at the status update. If you would have conducted a proper investigation the date should have changed to the Month of XXXX and the Year XXXX Transunion you think people are XXXX! Also I will need you to obtain a copy of my check that XXXX me a cancel check and the date that I paid this balance off also I ask you to please also obtain a copy of the check that this company cash on XX/XX/XXXX If you are unable to send any of the information asked for This will be considered an unverified account! Recap transcript of your sending to the creditor vice versa copy of my check that this bank cash on XX/XX/XXXX copy of the check that was used to pay off this charge off! 
name and Phone number who you spoke with and employee Id number also a credit application that was used to open this account again please respond via this site as I will be out of the country. you have 15 days to obtain this information I will be waiting! also You Guys do XXXX reporting look at the File there is not even the original creditor name or account number attached to the report this is a violation of the FCRA You guys are in such a hurry that your work looks like XXXX. But anyway 15 days I will be awaiting your response!

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 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been an Amex customer for 29 years. I received an Amex bill for my account ending XXXX for {$1300.00}, minimum pay due {$40.00} on XX/XX/XXXX. I called the telephone payment and paid the full amount of the bill which posted XX/XX/XXXX. I got a bill the next month for {$38.00}. Apparently, I was charged interest on the entire charge of {$1300.00} PLUS a late fee of {$29.00}. The first time a payment was late. I spoke to two supervisors, XXXX overseas employee # XXXX and XXXX in the US employee # XXXX. Both tried and were unable to waive the fee or the interest because they said the computer wouldn't allow them to. XXXX refused to transfer me to her boss or Corporate and refused to give me the name of the person in charge of retail credit cards and only gave me the corporate address at AMex XXXX XXXX  at XXXX XXXX XXXX in XXXX. She had no floor number, room number or person to address a complaint to. These fees are ridiculous. I am being billed almost the amount of the minimum due on my previous bill which was paid in full. I have a XXXX balance except for a {$38.00} because instead of posting a payment as of midnight on XX/XX/XXXX, it was paid a few hours later at lunch time on the XXXX. There is no discretion, no customer loyalty and this is a disgusting and blatant money grab by AMEX taking advantage of customers who barely miss a deadline. They need to be sued and forced to impose a discretionary period and should not be allowed to charge a late fee on a balance that was paid in full, even if considered a few hours late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying tor two years to have my PMI cancelled. The current loan-to-value ratio is 76 % on an original valuation of {$120000.00}. The loan originated in XX/XX/2014. 
I have requested the PMI cancellation with my lender, Wells Fargo. They have stated that they can not cancel the PMI as there is no Automated Valuation Model available, yet I know of at least six comparable sales working the last six months, all for at least 30 % more than my original valuation.

When Wells Fargo was contacted again, they offered to generate an AVM for {$320.00}, however they will not indicate what public data is or isnt already available. 
The loan has been in good standing since origination. 
Wells Fargo Case # 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 2021-04-09
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
CBNA / Best buy is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent CBNA a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from CBNA stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

CBNA has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.

Company response to consumer: Closed with explanation