BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: GREENSTATE CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So. On XX/XX/XXXX I noticed I over drafted and went under {$220.00}. I immediately transferred {$500.00} from a money market account but that took 3 days to get there. In the mean time I got 5 {$34.00} over drafts totaling {$170.00} bring my over draft to {$390.00}. That is 74 % of the amount I went over. So that is fine. the {$500.00} brought me to a positive. Do to a miscalculation on my part I went under again this time it was {$58.00} again I get the Overdraft Fee 's this is a total of 7 over draft fees for {$230.00} this put me under for a total of {$290.00}. So this is 4x what I over drafted. How is this legal. As that would mean a person could never get out of this hole.

I contacted my bank they reversed a single overdraft fee ( I did not include in my calculations ). I then asked them when I signed up for the over draft protection and they said I did it back in XXXX. I don't remember signing up for this over draft protection. The form was not my signature but a generated one. As it could have been filled out when I set up my minor son 's account that has to be attached to mine, until he is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2021-06-27
Company: Tri-Cities Finance Company
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
FELL BEHIND ON THE LOAN BUT WORKED WITH THE FINANCE COMPANY. CALLED THEM TO LET THEM LKNOW THAT THE XXXX WAS BLOWN UP BAD MOTOR AND AT THE MECHANIC SHOP TO BE REPAIRED. THE NEXT DAY THE FINANCE COMPANY REPOED THE XXXX AND SENT IT TO AUCTION. THE AUCTION WAS NOT ADVERTISED ANYWHERE EXCEPT A LETTER SENT TO ME COUPLE DAYS BEFORE AUCTION. WENT TO THE AUCTION AT THE FINANCE COMPANY AND THEY HAD NO RECORD OF THE AUCITON. I DEMANDED A REASON FOR THE AUCITON TAKING PLACE AND WAS TOLD THAT THE AUCTION WAS NOT GOING TO TAKE PLACE. THEN A LADY AND A GENTLEMAN CAME OF THE LOAN COMPANY AND SAID THEY WERE HOLDING AN AUCTION. THE GENTLEMAN BID XXXX ON THE XXXX AND SAID THAT THE DEBT WAS PAID. MY MECHANIC AND MY HUSBAND ARE MY WITNESSES THAT WE WERE TREATED UNFAIRLY AND REQUEST TO HAVE THE FILE REMOVED FROM OUR CREDIT AS DEBT SETTLED OR IF WE HAVE TO PAY XXXX WE WANT OUR XXXX BACK. 

WHEN WE FIRST DID THE LOAN WITH TRICITIES FINANCE THE LOCATION WAS IN XXXX XXXX TN AND WE WERE " RUSHED '' AND EXPECTED TO GET THIS VEHICKE ALL THE ONES THAT WERE IN BETTER SHAPE AND LESS MILEAGE WERE NOT SUITABLE. THE CAR LOT THAT WE GOT THE XXXX FROM SOLD THE XXXX TO US KNOWING IT HAD A CYLINDER DOWN AND THAT THE CAR WAS NOT GOING TO MAKE IT A YEAR. THE MECHANIC THAT WAS FIXING THE XXXX EVEN TOLD THE FINANCE COMPANY THAT THE DAMAGE WAS FROM PREVIOUS OWNER AND THAT THE VEHICLE COULD NOT HAVE BEEN SOLD THAT WAY. AFTER SIGNING THE PAPERS FOR THE XXXX THE BUSINESS CLOSED AND WENT TO ANOTHER LOCATION AND WE WERE NOT NOTIFIED. I FEEL THAT WE WERE LIED TO AND THE LOAN WAS A SCAM. 

EVEN WHEN THE XXXX WAS TAKEN BY REPOSSESION IT WAS AT A CHOP SHOP AND WAS DAMAGED WITH DENTS AND SCRATCHES AND THE REAR SEAT WAS STOLEN. 

I FEEL THAT THE LOAN COMPANY SHOULD EITHER TAKE IT OFF OUR CREDIT, SHOW PAID IN FULL OR SETTLED, OR GIVE THE VEHICLE BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some accounts still listed on my credit report that do not belong to me. Please remove it. Thank you.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demand.

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 2023-09-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card was closed yesterday XX/XX/2023 without any notice or opportunity to rectify. I had the credit card available balance in case of emergency home repairs ( I am in Florida and hurricanes are getting worse ) and would have easily set up autopay on some monthly expenditures had I known it would be closed. 

In addition, customer service ( XXXX ) asked if to reopen, would I agree to a credit check as if I were applying anew after I gave all my personal information. He could not say whether this account closure would negatively impact my XXXX XXXX and then a credit check... He could not provide any meaningful information as to the ramifications of the account closure or contact information to the company 's regulatory and compliance department. 

My biggest concern is the no-notice or opportunity to rectify but also their firewall of no information as to the effects of their actions to my credit and basically, requesting a new application. 

Lastly, I worked very hard to rebuild my credit and have been very diligent to maintain it in good if not excellent status ( 805, not sure what it will be next month ). I am concerned my ratios will be negatively impacted by losing this line of credit all of a sudden and not knowing if their account closure adds to the impact. It seems because they were not making any money off of me, they abruptly closed my account. As I indicated, to ensure a good credit rating I would have and will gladly transfer monthly autopay accounts to their card. 

Thank you for your assistance.

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: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021 Keep receiving this message with pre-qualification over and over again. My former account is paid in full and closed at my request when I lost my wallet. I advised the team at that time my bank account and all cards associated with me were closed as a precaution with new ones having been issued. 

My online portal was locked by your team during such time with card disabled. Your team advised auto-pay was still connected I advised to remove clearly and was told that no changes could be made by discover on behalf of the customer this would have to process several times and once the payments came back unpaid a number of times the feature would be disabled. 

The bank account was said to be pending closure for 30 days each time a transaction presented it kept the account for finalizing it's complete closure further delaying the process. I. have spoken with countless representatives at Discover all of with whom states they submitted for the card to be removed from revoked status given the circumstance they see it is paid off and there are countless notes on file advising the same. 

There are people with charged off accounts for thousands and you reissue I'm having to jump through hoops for a card I lost and requested closed at my request and that has a XXXX {$0.00} BALANCE? Unheard of. 

If this is not rectified expediently and this hold is not removed I intend to exhaust every legal remedy available as it is not accurate and differs from what countless correspondences with your team have stated. 
-- -- -- -- copy of your blacklisted email Thank you for your interest in Discover. Unfortunately, at this time we are not able to provide you an offer due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Rest assured, your request did not impact your credit score. In fact, you can easily keep track of your XXXX Credit Score for free and learn more about what affects your credit at Discover.com/Credit-Scorecard. 

You can submit another request eight days from the date of this letter. 

Sincerely, Discover Credit Operations Team XXXX Reference Number XXXX XXXX Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I sent a bank transfer that was not credited to the recipient 's account. Transaction Registration Number XXXX XXXX XXXX The amount is {$30000.00} The purpose of the transfer is to purchase a XXXX XXXX XXXX. 

The transfer is being checked at the correspondent Bank of the BANK of NEW YORK MELLON. 

As of XX/XX/XXXX, the money has not been delivered to the recipient I ask you to transfer money to the recipient 's bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
A XXXX automatic payment to my Bank of America credit card came through on XX/XX/XXXX at XXXX. I called Bank of america at XXXX to let them know this payment was in error and needed to be reversed, at that time i was informed the payment could not be reversed and would have to call back in 4 days to ask to have it reversed again. 
The amount payed was nearly the limit of the card which had significantly less owed on it than the amount charged, and had been billed by the bank of america automatic pay. {$2700.00} is a significant amount that should not have been charged in the first place and should have been remedied the day it was reported as an error ( initiated by their auto pay ). Additionally should not have to call back and ask Bank of america a second time to fix it.

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 2023-12-05
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX working on behalf of Jefferson Capital Systems LLC XXXX has called me several times from several different numbers about several different credit cards for Jefferson Capital Systems LLC. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/23 and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/XXXX  to stop calling ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I find it very hard to believe that a proper investigation was conducted by the credit Bureau when only the year of my birth was on my credit file. They did not have the month and day i was born on my credit file. They also did not have the correct and current employer. Due to these important pieces of information being inaccurate or missing. I find it nearly impossible for them to conduct an accurate and true investigation. They denied my disputes time after time but how could they conduct their investigation without my date of birth and current employer being on file. I will be sending a dispute letter to your bureau on XX/XX/2021 with all the inaccuracies on my credit file. And due to your failure to conduct an accurate investigations on my disputes i feel that my requests should be honored. Because i have proof that my date of birth was not on my credit file and your bureau denied the dispute without that very important piece of information. I also reached out to the creditors CEO 'S and i have letters from two credits stating that they will extend a goodwill adjustment to me. These letter will be attached to the XX/XX/2021 dispute letter. Due to these inaccuracies and your bureaus failure to conduct an accurate investigation my credit score has dropped 47 points.

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 2023-05-05
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to dispute whatever this debt is because everything I have paid medically is through medical insurance and nothing else is supposed to be billed to me personally. I have already disputed this but I am still seeing it in my account as a debt of over a XXXX dollars. This is not right. This should not be on my record. This needs to be taken off as soon as humanly possible. I do not need to pay this.

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 2023-04-10
Company: Zions Debt Holdings
State: TX
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX Account # 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 This collection account has reported incorrect Account opened date, Term Date and more

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MS
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 noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. According to 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the an amount equal to sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.

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 2022-10-12
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want my Extended Fraud Alert on my Experian, XXXX  and XXXX XXXX credit report to list my current address and phone number for creditors and lenders to review and see. Please add my current address and phone number to my Extended Fraud Alert and credit report. Heres my current address and phone number : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN 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