BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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 so upset about this situation. Ive submitted this complaint 3rd times & CFPB & EXPERIAN XXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXXXXXX XXXX XXXXnquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/

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 2023-04-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.  The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXX XXXX  ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX  ACCOUNT # 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 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX there were three transactions that were fraudulently purchased on my credit card. The three transactions were from XXXX XXXX XXXX - {$390.00}, XXXX XXXX - {$410.00}, and XXXX - {$130.00}. The moment that i realized i had fraudulent activity on the account i called Bank of America 's fraud department to report the charges - they gave me a temporary credit and stated they'd be conducting research. On XX/XX/2021 i received notification that the claim was denied due to the fact the card was " present '' therefore, i made the charges and i would be responsible for the charges. I immediately called the fraud department again, at the time of the charges I was XXXX at home unbeknownst to me i actually had XXXX which i tested positive for on XXXX ( I sent them this documentation as well ) I have spoken to the fraud department numerous times to follow up on the case to no avail. There is no valid reason why this fraud claim could possibly be returned as though i conducted the transactions due to the fact that i sent in a letter from an immediate XXXX stating the days I was out of work, i have the XXXX positive test and the fact that i have not once before claimed a fraudulent charge when there was not a fraudulent charge. I am so disappointed in the fraud process due to the fact that they state " Zero liability '' on fraud purchases. These are fraudulent purchases and I have heard plenty of stories that Bank of America does not pay out fraudulent activity due to the fact that they are awaiting a way for us as consumers to prove that we are innocent. I am a Bank of America associate and i handle my life with integrity and honesty and i am very concerned at the lack of thorough investigation via the fraud department. I would not ever consider defrauding ANY bank and the fact that they are making me feel like a criminal due to their fractured fraud system is beyond me. This situation scares me because if i had not been XXXX XXXX XXXX during this time how would i be able to prove that i infact did not conduct these transactions. I have submitted a police report, a personal letter to Bank of America, a reference letter and the XXXX XXXX tests - what more else can i provide to prove my innocence in regards to these transactions.

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 monetary relief
Consumer complaint received 2021-12-17
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have working with a consumer law person to repair my credit. I requested my consumer report from XXXX. Upon receiving it I reviewed it and discovered an error. The account with One Main shows that the account was paid in full/charge off. I noticed some discrepancies while reviewing other reports. According to USC 1681E ( b ) if the information is not accurate across all the reporting agencies it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX  is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.

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 2021-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Today was to be the closing date of our first ever refinance on our familys home. Your assigned Notary called my cellphone approximately XXXX XXXX. for an XXXX closing appointment, that we were grilled over about sanitizer blue ink pens and masks attendance signatures contact numbers etc.not a problem, we get it. We were asked several times to verify that my spouse and myself make arrangements to not miss this closing date via email no problem we get that too. 


On said phone call, half hour before closing if we have the proper 50 page document for closing. First we have heard of this and the answer is no. My spouse advised her we have only received documents via email and a Disclosure via XXXX  one for me one for my wife. We have responded accordingly same day to all subsequent emails even the duplicate emails to make this a smooth process all around. 


The notary calls again half hours 45 minutes later we appreciate her keeping us in the loop and now its almost XXXX. She states she is finally able to access the appropriate documents and will be here in 20 minutes. Another hour passes we havent left our home havent ran our errands havent eaten lunch nothing because were waiting, our off days are the weekend and thats when we care for home errands etc. Your notary then calls our home one more time stating she is having difficulty accessing/printing and will try to schedule us with another individual for todays closing. Its almost XXXX XXXX and nothing has happened no contact whatsoever from anyone. It has us to the point of questioning accreditation and are we really closing on our refinance? Is this in fact a legitimate process? 


I am requesting you all call us ASAP. This is very frustrating and unbelievable on the part of USAA as we have met all your requests demands, arrangements etc for both of us to be available. Signed everything we have received. We have been loyal members of USAA for many years. We have insurance, IRAs and some of our Banking with you even our children Bank with you. This behavior is unacceptable and something i never thought i would experience with USAA my family and myself have always spoken highly of USAA but to this there are no pleasant words, its poor customer service pertaining to my familys Dwelling, Mortgage and Home. 


I know things happen but this refinance process has been the most difficult I have ever experienced. Please advise when we can reschedule closing at your earliest convenience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. XXXX XXXX as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " Santander '' a car company that has been sued in a class action suit. Santander sold my account and still tried to collect on the debt that I did not owe as well as XXXX. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to XXXX on XX/XX/2021 and XX/XX/2021 and XXXX retaliated by filing a suit on XX/XX/2021. The plaintiff, XXXX has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser XXXX of the date he account first became delinquent. ( I no longer owe the Santander debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the Santander account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " Santander Consumer USA ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached Santander Lawsuit, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( Santander account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I used a Promotional Credit Card from XXXX XXXX ( ACTUALLY XXXX SYNCHRONY BANK ) to purchase automobile tires on XX/XX/XXXX for {$1300.00}. I made ALL payments on the amount due. 
In hindsight, I FORGOT about the " Promotional Expiration Date XX/XX/XXXX '' On XX/XX/XXXX I was charged an ADDED " Interest Payment '' of {$220.00}, because the Full Amount had not been paid. 
I confused Monthly " FEES FOR THIS PERIOD '' with Interest. 
I am requesting SYNCHRONY BANK remove the Interest Payment '' of {$220.00} from my account. 
I will pay off what I owe and NEVER due Business with SYNCHRONY BANK or XXXX XXXX AGAIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and Transunion are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXXXXXX-XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, 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:
IVE CONTACTED TRANSUNION NUMEROUS TIMES IN REGARDS TO SEVERAL INQUIRES ON MY REPORT THAT I DO NOT AUTHORIZE AND THEY REFUSE TO BE OF AID OR TO REMOVE ANY OF THEM. IVE ALSO CONTACTED THE CREDITORS DIRECTLY AND THEY HAVE NO INFORMATION TO PROVIDE AND THEY ARENT LINKED TO ANY ACCOUNTS. I ALSO HAVE TOLD TRANSUNION THAT AND LET THEM KNOW ITS ILLEGAL FOR ANYTHING TO REMAIN ON MY ACCOUNTS UNAUTHORIZED, AS WELL AS THAT ARENT ATTACHED TO ANY ACCOUNTS. I HAVE EXHAUSTED ALL OPTIONS AND I CONTACTED CFPB TO REMEDY THE SITUATION IMMEDIATELY. 

These lender inquiries that need to be removed : 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 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 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 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 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 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 2021-12-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Upon opening the checking account with First Citizens, we advise the bank rep to remove overdraft protection of any kind. We did not want the bank to allow any purchases or debits to be paid unless the funds were availabe. We made this isssue abundantly clear. 

Attached you will find XXXX worth of overdraft charges. You will note by looking at the bank statement the XXXX is lumped together creating ambiquity with regard to what charges were in overdraft. 

On XX/XX/2021 at XXXX I called and spoke to a manager on the phone. She told me " someone '' had changed the overdraft charge coverage online. My husband and I are the only ones with access to this account and neither one of us changed the overdraft coverage on line. She told me she would adjust it. On XX/XX/2021, another overdraft fee was charged to the account. I called the bank again and the rep said he did not see that adjustment made to the account. 

It seems to me the bank is reluctant on following their customer 's requests for the sole pupose of generating fees. Disregarding a bank customers rights and entitlement to structure their account as an option available to them by the bank, lends itself to questionable business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: TX
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 purchased optical equipment that turned out not to be compatible with my equipment. After several discussions with the vendor, he agreed to issue an XXXX and I returned the equipment. I have proof that the gear did indeed go back to him in that I have the XXXX tracking number and the receipt showing that the delivery was insured. 

My bank, Chase, has come back after 5 months and rebilled me for the equipment and wants me to pay for the gear because they say the vendor 's bank is refusing to issue the refund.

Company response to consumer: Closed with explanation