BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: Bread Financial Holdings, Inc.
State: CA
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:
The sales associate at Forever 21 named XXXX advised me that there would be a soft credit inquire applied to my credit, if I applied for a store credit card. The associate also used her personal phone to process the application without my knowledge. I asked several times to make sure of the inquiry type and was mislead completely. I notified management ( XXXX/XXXX  ) but have yet to receive any feedback about how to resolve the unsolicited inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. TMCC/TFS is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reporting late payment XX/XX/2020. This payment was not late to due XXXX XXXX in place order. I made arrangements with XXXX about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

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 2021-01-11
Company: Collection Bureau of Fort Walton Beach, Inc
State: AR
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:
The Bureau collection item appeared on my XXXX XXXX credit report. I mailed a validation letter for the debt dispute. The debt collector failed to respond. I have no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. 
See attached as an example. 
The subordination application was submitted on or before XXXX XXXX, XXXX. 
I reached out on XX/XX/XXXX for an update. 
I didn't receive a response until XXXX just saying things are delayed. 
I didn't receive a real response until XX/XX/XXXX. 
We have sent in all of the requested information by the end of XXXX and have not heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL 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 2021-01-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit bureaus did not respond to my letter of inaccuracies on my credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Vehicle impounded illegally No notice of location given to owner of record Difficulties encountered while determining funds availability which include constant website issues, an app which is nearly useless, and my local branch refusing to cash paychecks written from my place of employment literally one block away from which I regularly cashed checks. 
Lot fees of vehicle rise exponentially as days slip by. 

Blocked from depositing checks from lenders Unable to access my funds in bank No way to purchase legal aid in order to enlist the proper aid which might reconnect me with my vehicle. 


When I finally was able to find the location of the XXXX XXXXXXXX XXXX, it had been towed out of the city where it was parked. The parking lot it was alleged to have been violating the rules of state that a vehicle may be towed after it has been notified via writing on the vehicle after 72 hours from the notice. The owner of the business must be the one requesting the tow. Numerous points of procedure were overlooked I was not sent via usmail my vehicles destination, given pricing, or told a police report number. I spent months arguing futilely with two of the most agreeable organizations with which to spend time conversing logically in the world : the XXXX Police Department and a Privately owned Tow Yard whose owner blocked my cell phone number after I warned him of the potential ramifications of his criminally predatory tow practices. The vehicle was listed at around XXXX XXXX  and there were models being sold at dealerships which I would regularly pass by which were priced around XXXX XXXX. After the detective work was finally completed which unearthed the location of my vehicle, the Towyard began extorting me with its demands for exorbitant fees to be paid per day or hour or something with enormous fees tacked on for towing and storage. My Wallet, ID, Cell Phone, Laptop, and much more were in the vehicle they basically stole, and I was in a position where I chose to provide in home care to my mother while she was suffering through 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 XXXX XXXX 

This Bank choosing not to work with me in an effort to recoup my property of significant value for a sum of money which initially did not exceed the amount which I was having direct deposited into my account was morale shattering. I felt hopeless, without value, and alone.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, XXXX, Transunion XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.

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 2021-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has placed a collection account on all three of my credit reports and I have no knowledge of debt. They claim to have sent correspondence to an address that I have not lived at since 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX 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

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 2020-12-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A new bank purchased my mortgage but didn't inform me or send me a payment coupon. My payments to the previous mortgage company were deducted automatically from my checking account and I didn't notice that the payments had stopped. I first became aware that new bank had purchased my home loan when they sent delinquency notice dated XX/XX/2020 stating that I owed {$12000.00} and that the account was XXXX days delinquent and could result in foreclosure. The amount we owe on this mortgage is less than half of the value of our home. I immediately contacted the new bank to find out what happened. None of the employees would confirm that their company had purchased the loan and when I described my situation, they just stated " Well, didn't you notice? '' After a number of calls, they agreed to remove the late fees and interest and I made a payment of {$10.00}. XXXX over the phone on XX/XX/2020 to bring the account up to date. Recently I became aware that they have reported delinquent payments on our credit reports. I called to ask them to remove that information since there was no way I could have sent them a payment before they made contact with me. They stated that we would need to file a written request and wait for them to investigate. We have always had excellent credit scores and wanted to refinance this mortgage to get a better rate and a more responsible mortgage company. Now we have a poor credit rating which would interfere with refinancing. I would like them to expedite the correction of my credit rating. I'm also concerned that this could be happening to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
So today ( XX/XX/2023 ) I tried to log in to my penfed account to pay my credit card only to be kicked with the message I have been blocked on loging to the account. When I called pendfed I was told they need some documents for me to prove I am who I say I am. This resulted in a 2 hr on the phone with me sending in a copy of my passport, driver license, vehicle registration, vehicle title, social security card, Government work ID badge, nexus card before this could get resolved. 

The thing is per the law Banks and credit unions are required to verify your identity when you apply to open an account. This account was opened over a year ago and I have two credit cards with this company that are down to XXXX owed on them from XXXX. They had all that information on file so instead of harassing customers by trying to make it so they can not make their credit card payments they should look at their own incompetence. 

Identity Authentication - 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 2021-01-11
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing to advise a violation of the fair consumer credit act. The Sunrise Credit Service is not the original creditor and has unlawfully reported this debt on my credit report. I made contact with this agency in XXXX or XX/XX/2020 and advised of them violating the fair consumer credit act.. The agency removed the debt from my credit report ( s ) -XXXX  and XXXX  XXXX However, they have reported this debt again to a different credit bureau ( XXXX  ) on XX/XX/2020 without proper notification. I was not notified in writing from this agency that they would be reporting this again. This is malicious and driving my credit score down intentionally by this agency. Please investigate this and have them remove it from my credit report again. Your assistance is greatly appreciated. 

SUNRISE CREDIT SERVICE Original creditor : XXXX XXXX {$440.00} Balance updated XX/XX/2020 Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$440.00} {$440.00} Your statements

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 2021-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a consumer credit transaction with Toyota Financial Services on XX/XX/2020. This consumer credit transaction included a finance charge. Pursuant to 15 U.S.C.1605 A finance charge is the sum of all charges in a consumer credit transaction. Toyota Financial Services not only took my vehicle as down payment ( {$5000.00} ) but they advertised down payment in violation of U.S.C. 1662. Pursuant to 15 U.S.C. 6802 Toyota Financial Services never disclosed to me that I had the option to opt out of the transaction being reported. Toyota Financial Services also reported this transaction to a consumer reporting agency which is a violation of 15 U.S.C. 1681. The transaction arose from a credit card which is supposed to be excluded from consumer report. Along with the repeated phone calls and erroneous billing errors from Lexus as well is a violation of 15 U.S.C. 1692c ( a ) a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent multiple certified letters to the consumer reporting agencies and to Toyota Financial Services most of them not returning the green signature card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a loyal customer of Bank of America and have an outstanding credit history with them, which continues to this day. In 2017 my children and I were in a car accident which created a total loss on the vehicle I was financing through Bank of America. As a somewhat educated consumer I still was not clear on the settlement protocols between insurance, myself and the lender. I believed the payment from the insurance company would count as my XX/XX/2017 payment. This turned out to not be the case and I was notified that my payment was 30 days past due. I immediately paid the outstanding balance. This 30 day late payment was reported to the credit reporting agencies and has been impacting my credit ever since. I understand the bank has procedures to follow but I feel this was an extenuating circumstance where we were dealing with a catastrophic event in our lives and no empathy or effort was made by the lender to explain the situation and reasonably resolve it. I understand if I had a history of delinquency that this should not be up for debate but my on time payments with this lender alone should demonstrate it was an anomaly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2020-12-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need the following removed since the time has come but had a rude representative, I have deliquent accounts of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged an overdraft fee on my joint checking account when it clearly stated in our account ( shown in their mobile app and in the online statement that appears when logging in to their desktop website ) that there was a positive balance in the account at the time the overdraft fee was assessed ( I have a screenshot. ) This is not the first time recently that this has happened and it seems their algorithms have changed recently, within the past couple of months. The B of A customer service rep stated today in a recorded phone call that there are two different systems that the bank uses the system whose dashboard the consumer is directed to when they log in online to their account is not the system used to determine when an overdraft fee is assessed. The consumer dashboard used by the system the mobile app and the B of A website uses is incorrect, erroneous, and misleading and, according to B of A, does not show the true amount of actual balance in a consumers account. The customer service rep I spoke to today refused to refund the overdraft fee and claimed a supervisor was unavailable to speak to me when I repeatedly asked for one.

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