BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
These inquires do not belong to me 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 explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Paid off a 0 % interest Lowes/synchrony credit card, had a payment auto scheduled so even though the balance on my card was {$0.00} they still took {$1000.00} dollars from my checking account. This very clearly states will not happen on their faqs. When I called to complain they said I would have to prove that the amount was withdrawn and then after I " proved it was removed '' in approx 15 days they would send me a check. Not acceptable on any planet. They also send they couldn't send it back eclectronically which is of course ridiculous. Clearly they are wagering on people not getting the check or cashing it. IF they can just take money out willy nilly surely they can put it back.

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I told them that they have now the car to the wrong place that I live in Florida and had the wrong name on it middle initial at my first name for my middle name wrong and XXXX was used and they made me going to the bank to verify my identity which I told him in Florida which just got issued in New Jersey.

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 2023-08-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXXXXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: BB&T CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. 

Proportion of Loan Balances to Loan Amount is Too High -  this is a bald-faced lie! ( See attached ).

Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. 

Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). 
All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. 

I have always had a problem with this bank even for opening a simple checking account. 

This consumer is requesting a fair assessment of my credit.

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 2017-04-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
my loan was referred to them to have lower payments and the payments were very expense and not fair because the school that i am repaying the loan for was closed down due fraud. I was looking for assistance with payments that was within my budget and the payments they calculated were very expensive. and they always suggested forbearance now i am behind because i could not afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
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:
On : XXXX  XX/XX/2022 Wells Fargo denied me for the Second Time a Credit Limit Increase, on my Wells Fargo Active Cash Credit Card, just because I had a Couple of Months, using their Credit Card, by them.

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 2018-11-03
Company: EQUIFAX, INC.
State: CA
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 recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers. 

I called XXXX XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
XXXX and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

I submitted a dispute with experian I also have a membership. 
I tried to dispute using my log in. It tells me to call. 
Somehow when I call Experian I am somehow rerouted in every way and hung up on. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website http : XXXX which is very strange because in my last complaint they had another website https : XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. This is Fraud. 
I'm pretty sure XXXX does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: First Recovery Solutions, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I continue to get calls from some company about a " file against me ''. They refuse to send me a verification letter, as well as give me a physical address so as to send a C & D letter. This seems to stem from a supposed payday loan. They are also calling family members.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
As I was applying for an apartment my credit report came back with an account I do not recognize

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 2019-08-08
Company: EQUIFAX, INC.
State: AL
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 is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had {$1900.00} stolen from my Bank of America 's checking account. The money was electronically transfered through XXXX to a person whom I do not know. I called BoA to file for fraud, they said they will investigate but when I called them back 3 weeks later, they said that they can not do anything because the login was using my id and password, which I did not share with anyone. I then went to see them in person, but was also told that there is nothing they can do since XXXX is a 3rd party app and I have to contact them. I called XXXX and they told me BoA has their own version of XXXX so they can not do anything either. I then decided to get a police report, and the number was XXXX. I tried looking up online and there were a lot of people who got stolen the same way, but Bank of America also refused to take responsibility.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently sent a letter to transunion going over what i believe as inaccurate information reporting to my credit report. i have gone on deaf ears to be heard and have constantly been ignored. I sent them a letter on XX/XX/23 and even verified they received but nothing has happened with processing my request

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 2023-08-04
Company: Experian Information Solutions Inc.
State: OH
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 purchased a used car with my girlfriend and received a loan in XXXX of XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX, Experian and XXXX are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, XXXX and XXXX shows the balance on this account as {$22000.00} and Experian shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, XXXX shows a balance of something different! 

It's only one or the other, how can there be 3 different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? 

I don't know what else to do in this situation. Please help! 

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!

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 2017-05-19
Company: RoundPoint Mortgage Servicing LLC
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 status incorrect

Complaint:
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told  me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement (  attached  )  dated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the executed  Loan  modification agreeme nt RPM on   XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender   XXXX   XXXX   XXXX   XXXX   XXXX   and  Roundpoint whe n they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!

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 2019-08-08
Company: FACTUAL DATA CORP.
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: Reporting company used your report improperly

Complaint:
this inquiry on my credit report was not authorized by me and i want this to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
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: Personal information incorrect

Complaint:
I sent a letter o Transunion to update my personal information such as my addresses on my credit report. They updated the addresses but changed my primary name to  XXXX  and I sent them a copy of my ID and utility bill. I called inform that, my name is incorrect on my credit report and I was told that I need to contact my creditors to tell them to report my name. My name that I use with all, my creditors is  XXXX , even my ID and utility bill that I sent shows that. I spoke with  XXXX   XXXX  at  XXXX  on  XXXX / XXXX /  XXXX   and he said they changed my name because one collection agency by the name of  XXXX  sent something with  XXXX  and that 's why they changed it. I asked him how can they change my name for one creditor when I sent in my Maryland  State Driver  's license and Utility bill. I called back at  XXXX  spoke with  XXXX  and he said that the same thing that my creditors had to report my name  XXXX   XXXX  when all my credit cards are reported with the last name  XXXX   XXXX  I called again at  XXXX  and spoke with  XXXX  and she states the same thing.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that 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