BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have previously disputed this bankruptcy with transunion and in response transunion verified the item as accurate, stating that they ( transunion ) have verified the bankruptcy with the court. I contacted the courts and the response was mailed to me via usps from bankruptcy court. I mailed the response certified USPS mail along with other documents. It is clear they do not report to NO credit reporting bureaus nor do they report to third party companies for that matter ; therefore transunion original response verifying the bankruptcy with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately! XXXX XXXX is a third party agency and they can not verify anything! XXXX XXXX did not verify anything with transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid on   X/XX/2016    . We have provided bank records with explicit description of payment to   Central Credit Services-   CHECKCARD  XXXX    CENTRAL CREDIT SERVICES    XXXX  MO, {$420.00}.      Central Credit Services-  specifically,  XXXX   XXXX   ,  Chief Compliance Officer- received our documentation and responded by telling me they could not locate the payment that my bank records show as paid to them. I called in response and  XXXX   XXXX  - c ollections supervisor- told me I must call with a banker online to give them an authorization number. We called multiple times with banker online and the calls were not answered nor were the voice mails returned. I had my banker deploy a 'tracer ' on payment and email results to email address requested by  XXXX   XXXX  . I have heard nothing in 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 2021-06-14
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
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:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : WELLS FARGO DEALER SVC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ALLY FINANCIAL INC.
State: NJ
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:
Ally bank. 

On XX/XX/10, all debit transactions to my account were duplicated, causing my account to overdraft. The money that was supposed to be left in my account are due for bills and payments in the coming days, which are now missing, rendering me unable to fulfill my financial obligations due to a lack of transparency and clearly a mistake on Allys end. 

No statement was issued by the bank, I was not warned, and I was only made aware of this by receiving numerous emails that my account has been over drafted, and I need to cover the balance. I checked my transactions and as stated above, every single transaction on XX/XX/10 made from my account was duplicated, removing an excess of XXXX dollars from my checking. 

I had contacted Ally customer service twice. The first representative didnt even ask for my name or account and said the issue would be fixed ( XXXX XXXX ). I spoke with a second representative who stated that no fund reversals were active on my account and the money should be back at XXXX XXXX, if theyre not, try again tomorrow. It is clear that theyre is no communication both in the organization or out. I still have no received my funds, putting me at risk to be late on payments, or to have my payments bounce potentially causing me to lose my car insurance. 

Again, there is a complete lack of transparency at the moment with Ally bank, as this is affecting many customers, and there has been no statement nor timeframe issued as to how the problem will be resolved. At this point due to the issues above, it feels more like theft from a bank then a mistake otherwise a statement would have been issued.

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 2023-10-26
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:
I have recently checked my credit report for TransUnion and noticed there was an unauthorized hard inquiry stamped onto my credit report. Subsequently, I directly called TransUnion in terms of knowledge upon this account and they were explicit about receiving a letter from the creditor itself upon requesting removal. This hard inquiry has been discovered without my full consent and would immediately need to be removed from my credit report as there has been no position in place of an account I currently have not inquired about. 

Inquiry Name : 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 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX 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 an 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 explanation
Consumer complaint received 2021-09-21
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX called to setup my first mortgage payment with specialized loan servicing. 
XXXX specialized loan servicing charged my bank acount twice for my mortgage payment causing {$75.00} in overdraft fess. 
XXXX called to find out what happened and to get a refund. was provided an email adress to submit by bank statements too. 
XXXXsubmited bank states ive called back multiple times. every person I speak with tells me they can not assist me or that I need to speak with a supervisor. setup multiple calls back for a supervisor. 
XXXX-received call back, spoke with supervisor XXXX in the XXXX  office employee id XXXX states everything went thru and my refund has been expediated and should be on its way. 
XXXX called back Rep I spoke with said she reached out to 3 different people, and they all say they can not help, no idea how to fix problem.

its been 3 weeks since beeing double charged and still can not get anyone to even assist me in providing a resolution. This is a brand new mortgage and they have done nothing but XXXX it up and have not been able to resolve my issue in three weeks, but iam sure they are quick to charge me for a late fee. I

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 2023-05-01
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
My credit card account was canceled by American Express, although I pay all bills in full every month. American Express stated that I abused their payment dispute policy, which I disagree. There are two issues with their practice, and I need to get reasonable resolutions. 

( 1 ) while they don't have evidence to show why I was considered as abusing dispute policy, they also limited the redemption option of the award points that I have earned across all current and historical relationships with American Express ( this is because American Express has XXXX reward program rather than one reward program per card/account relationship ). I was told that I can now only redeem my American Express reward points to gift cards, I can not redeem them in other ways such as transferring to partnership airline award programs. There is no clear Term and Condition stating that limiting reward point redemption method, hence I believe I have the right to redeem my award point the way I desire, rather than forced to be redeemed through getting gift card. I have more than XXXX points, this worth more than {$2600.00}. I don't need gift card that to be this much, I want to transfer to airlines. 

( XXXX ) As my account was closed in the middle of the month, and I can not use the card anymore, I request prorated annual fee to be returned back to my account/ or issue a check for me, due to not able to use this card. the underlying rationale is that American Express should not charge me fee when they cancel my account, and prohibit me to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowere d my my credit score cons iderably ( approximately  XXXX  poin ts ). I n the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries m y credit score is  around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my numerous endeavor to tell you that I am a victim 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 an alleged fraud or extortion. 
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

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 2023-02-25
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife was in an accident XXXX XXXX and we purchased her new vehicle XX/XX/XXXX. I traded my XXXX XXXX XXXX in on the purchase. XXXX XXXX XXXX stated they sent the payoff to US Bank shortly after the purchase. US Bank called stating my payment was late when it was not even a week late. I told them that the car had been traded in and they should have payment any day. They called again a week later stating payment was two weeks late. Again advised them of the trade and XXXX XXXX XXXX confirmed sending the payoff. Third call from US Bank and I went to XXXX XXXX personally and they sent overnight payment. US Bank got the payment then showed me 60 days late and closed account causing a XXXX point drop in my credit score which I am NOT happy about at all and want the 60 day late removed from the account and my score restored to what it was.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my credit report obtained from your agency, I noticed multiple late payment notations on my credit file. The reported late payments are incorrectly reflecting on my credit history and are adversely affecting my creditworthiness and financial opportunities. In accordance with the Fair Credit Reporting Act : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

15 U.S.C 1681b ( 1 ) the credit bureaus dont have no written permission.

15 U.S.C 1681 section 2 states 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 the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with XXXX. Even when Im a student they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX XXXX. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: Bread Financial Holdings, Inc.
State: VA
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 have a  Mastercard Account issued by Comenity Bank. This Comenity Bank Mastercard  is co-branded with  Gander Mountain and routinely advertises promotional financing for purchases at Gander Mountain stores. Recently Gander Mountain and Comenity have been advertising a promotion where purchases over {$990.00} would have deferred interest for 12 months, and be interest free if paid in full before the 12 month period expired. This promotional financing rate was prominently advertised by Comenity Bank on my Comenity Bank statements, as well as online and in-store by Gander Mountain I made a major purchase at Gander Mountain on    XXXX / XXXX /  XXXX   for {$1800.00}. I made written contact with Comenity Bank on  XXXX / XXXX /  XXXX   after receiving a statement where the promotional financing rate was not applied to this purchase.  Comenity replied that there were investigating the dispute and would not charge me interest in the meantime. I contact Comenity ag ain on  XXXX / XXXX /  XXXX   and received the same response - they were investigating.   As of  XXXX / XXXX /  XXXX   I still have not received any response on the status   of Comenity 's " investigation, '' however, Comenity has assessed me a finance charge of {$29.00} even though my outstanding balance consists solely of items purchased at this promotional financing rate.
I have had this same issue with Comenity with three prior purchases - where I made a purchase under a qualifying promotional purchase plan, but Comenity   still assessed interest. I have received excuses that this was a " mistake by the clerk who entered the purchase, '' or a " billing irregularity. '' Given the frequency this is happening and Comenity Bank 's slow response, I am concerned this may represent a purposefully deceptive business practice where they entice purchasers with advertised promotional financing rates they do not intend to honor. As I have been unable to resolve this issue with Comenity Bank themselves, I am hoping CFPB can assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
was going through a hard time and missed my payments

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 2023-05-01
Company: EQUIFAX, INC.
State: AZ
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act XXXX, equifax, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time

Company response to consumer: Closed with explanation