BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.

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 2023-05-29
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Nordstrom Credit Card Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2005 I was a victim of Identity theft, I've been been living a nightmare ever since, I've been trying to battle this nonsense. My car was stolen in 2005, I had all my info inside it, since 2005 while living in Georgia, weird things started showing under my social and name and showing on my credit report, having said that ; my credit has never been able to recover from whoever is using my identity to have a life posing as myself. I can't deal with this situation anymore. This is depressing, I can't even have a normal life because even if I try to fix it, it seems like I can't get my life back. I need immediate help and would like and want to have all those false collection debts taken off my credit and name please. I've been fighting this for over 15 years and I can't do it anymore. I need help and have the three bearous to have those negative debts off my credit for once and I can have my life back. Thank you so much for your time. You are my last hope .... God bless.

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 2018-10-30
Company: JPMORGAN CHASE & CO.
State: TX
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 have been a member of Chase Bank since XXXX without any issues. I started noticing about XXXX of XXXX, my checking, savings and credit card accounts were incorrect. First problem that I reported was a prepaid Chase XXXX card was also on my account.I called Chase and they indicated there was not any transactions. I changed my online password and debit card pin. I noticed fraud on my account again. Credit card and bank account were both charging me for a transaction that I would use on my debit card. I reported it. I closed down my accounts and gave the cards to the VP at the branch. I disputed the charges first on my debit and the fraudulent credit card accounts with their fraud department. I spoke with Chase bank last week and they just now located a XXXX payment that never got applied in XXXX of XXXX plus other payments that I made until XXXX. They indicated I was responsible for the charges on both credit cards which were the same amount and transaction since I made a XXXX payment in XXXX, which I did not. I had already reported the fraud and was only using cash. Chase bank also indicated that they have no record of me speaking with their fraud department which I have letters from that department on the credit card issues and the debit card account plus my savings account. They asked me to send the paperwork but I received the bank statements from them and they can call the chip program to see all the charges. They also told me I couldn't get another credit card and come to find out they reissued another card which I don't have with the same charges. While doing more research I noticed my credit card was hooked up to an XXXX XXXX card which I do not have nor have I ever owed an XXXX XXXX card. I have a retirement accounts there which I was never told about. I am now in the process of researching them to see if any of my retirement accounts have been cashed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX, I noticed a late payment had been inaccurately reported to Experian by XXXX XXXX. I sent a formal letter to XXXX XXXX and Experian explaining the error on my credit report and included supporting documentation as exhibits including original purchase confirmation email, original payment receipt, and the additional payment receipt, bank statements, and transactional detail. XXXX did not respond to my letter and Experian failed to perform a reasonable investigation. On XX/XX/2023, I sent a second notice to Experian 's legal department and nothing was provided in writing as required by the FCRA.

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 2020-06-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Old information reappears or never goes away

Complaint:
This company regularly reports the wrong information to the credit Bureaus. They falsely reported that I paid XXXX, XXXX, and XXXX ( 2020 ) late. They adjust my balance by {$8000.00} up and down every month which swings my credit score by 50 points. Due to these mistakes, my credit dropped from XXXX to XXXX since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-05-29
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections company is trying to collect on a debt that was already removed by XXXX & XXXX. Not sure why this company is reporting on XXXX. I need this to be resolved by removing this off my XXXX report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: WELLS FARGO & COMPANY
State: LA
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2018-10-30
Company: Amscot Corporation
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I GOT PAID ON XX/XX/XXXX. I FORGOT THE DATE I CALL TO REPORT MY CARD LOST OR STOLEN BUT THEY WERE SUPPOSE TO SEND ME A FORM TO FILL OUT. DIDN'T GET THE FORM UNTIL XX/XX/XXXX. I FILL OUT AND FAX THE FORM BACK. ON XX/XX/XXXX XXXX I WAD TOLD I AM ONLY GETTING XXXX BACK. AFTER THEIR INVESTIGATION. 
I WENT TO THE LOCATION WHERE THE FUND WAS TAKEN OFF MY CARD THE DAY AND THE NIGHT MANAGER SAID NO ONE HAD ASK, CAME BY OR CALL REGARDING MY INVESTIGATION. 
THE CUSTOMER SERVICES LADY TOLD ME THAT THEY DO NOT GIVE BACK MONEY THAT WAS TAKE BY A PIN # AND BECAUSE MY MOTHER, WHO IS XXXX OR MY DISABLE CHILD MIGHT HAVE DONE IT. 
MY PIN IS WRITTEN ON THE BACK OF THE CARD, FOR MY CHILD CAN USE IT, WHEN I TAKE HER OUT. SHE DO NOT AT ANYTIME GO OUT WITH ANYONE BUT ME. ANYWAY I NEED MY MONEY. 
THEY ASK FOR A POLICE REPORT AND I DID MAKE ONE AND GAVE THEM THE NUMBER. I WOULD LIKE TO SEE THE DOCUMENTS THEY HAVE TO PROVE THEY DID AN INVESTIGATION. 
ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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: Account status incorrect

Complaint:
My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with XXXXXXXX XXXX a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that XXXXXXXX XXXX did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and XXXXXXXX XXXX still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.

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 2023-04-20
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: Information belongs to someone else

Complaint:
I am a victim of Identity Fraud. There is a XXXX  XXXX account on my file, even though it shows paid and closed that account is not associated with me. I reached out to the creditor directly and they sent me a form which i signed and sent back to them confirming that the account was made by someone that wasn't me and that I t was not authorized by me. I also reached out to all 3 credit bureaus, Experian, XXXX, And XXXX. XXXX AND XXXX Were able to verify that the account did not belong to me but Experian reported the account back on my file. I need the XXXX  XXXX ACCOUNT TO STAY CLOSED AND BLCOKED FROM SHOWING ON MY FILE. I DID NOT AUTHORIZE IT NOR DID I GIVE ANY ONE PERMISSION TO FURNISH THIS INFORMATION ON ANY OF MY CREDIT FILES. The company is breaking the law per 15 usc 1681b.

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 2023-10-17
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got the card from my job as a reward for my XXXX years XXXX, this American Express Gift card can not be used anywhere as advertised by the company. I tried all the major retailer such as XXXX, XXXX, XXXX, it declined, load it on my XXXX pay, worse. Called the customer service, i was advised that the card would not work at any online store but i should go to an actual store and it would work, went to a XXXX and bought stuff for almost {$60.00}, it worked. Remembered i had some stuff i needed and went back the same day to XXXX and the card declined. I called the customer service, they stated that am now blocked from XXXX, that i should try other physical stores. They would not advise what store accepts this gift card. I still have about {$200.00} on the card and can not use the card anywhere. For all the declining transactions on this card, it chips in {$.00} each time. American Express XXXX card customer service, are not helpful, all have the same rebuttals and would not give any solution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
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:
On XX/XX/2021, I had two XXXX XXXX checking accounts linked to my CitiBank XXXX XXXX XXXX XXXX MasterCard as payment accounts. I removed one, intending to use only the other ( my primary account ). 

Thereafter, Citi continually began refusing to accept payments or payment accounts. First, they refused payment from XXXX XXXX from my primary account. Then they refused to allow the primary account to be the payment account. Then they accepted the primary account as the payment account, accepted a payment, then told me they had refused the payment. 

I continually added both my primary account, then the secondary account I has used before, as payment accounts. Citi continually told me the payment accounts have been accepted, and continually accepted my payments, then later told me the payments had been refused. 

I talked to SIX different representative at Citi, and was given SIX different reasons for Citi 's XXXX XXXX, ranging from Citi refusing to accept my primary account as a payment account due to " the float '' on a payment that was not even made until NINE DAYS AFTER Citi made that refusal, to being told TWICE that the problem was that XXXX XXXX Bank was actually controlling CitiBank 's computer screens. I am NOT kidding about that. I made doubly sure the Citi representative was telling me that XXXX XXXX Bank was remotely controlling Citi 's screens, and that's why my payment accounts were not being accepted! 

In any event, I repeatedly gave Citi valid payment accounts, both of which I has used with them before, and repeatedly received acknowledgments that I had added these accounts as payments accounts, and repeatedly received confirmation that I had made, and Citi had accepted, my payments ( and they DID accept the payments ). I also repeatedly received notices from Citi that payments had been refused, due TO THERE NOT BEING A VALID PAYMENT ACCOUNT! 

Now, Citi has closed my XXXX XXXX XXXX XXXX Card account, a card I have held for more than twenty years, due to the refused payments WHICH THEY THEMSELVES REFUSED TO ACCEPT, BECAUSE THEY THEMSELVES REFUSED TO ACCEPT MY VALID CHECKING ACCOUNTS AS PAYMENTS ACCOUNTS! 

In short, Citi continually refused to accept the very payment accounts I had used with them previous, then, because of their error, they refused to accept payments ( after telling me they did accept them ), then repeatedly DID accept my payments and payments, only to once again tell me they were refusing payment due to there not being a payment account. They did this over and over and over, lied to me repeatedly on the phone about what was happening, completely refused to take any corrective action, and NOW HAVE CLOSED MY ACCOUNT DUE TO THEIR OWN UTTER INEPTITUDE AND DECEIT.

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 2023-05-04
Company: Telsa Motors Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Late XXXX ( XX/XX/XXXX ), I received a Tesla XXXX as a brand new car. This car was sold with a prior owner and accident. During the purchase process it was never disclosed to me this car had a prior owner and accident. I would have not accepted the car if it were disclosed to me. 

I have tried communicating with Tesla, but they claim they dont have an answer for me yet. Its be month+ since Ive submitted my request with them. 

In mid XXXX, my car got hit while parked. I went through the process of repair and then submitted a diminished value claim which was denied due to prior accident. The car had been in an accident a couple months prior to my ownership which was repaired months after the accident. I am having an emotional roller coaster with how I feel about the car. There 've been issues with the car here and there which I just thought were factory related issues. 

Tesla failed on multiple occasions that they will not work with me, and was hoping to get legal counsel to help out with.

1. Car was sold with prior ownership.

2. Car was sold with previous accident.

3. The car 's previous history was not disclosed to me.

4. Tesla provided the false sense that this car was sold as brand new.

5. At one point they had a warrant

Company response to consumer: Closed with explanation