BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a notification that in XXXX of 2020 that a collection account was going on my report. I have credit monitoring and was surprized by this. I have good credit and this made my credit go down. This account does not belong to me. The account in question is from XXXX XXXX XXXX Acct # XXXX. This account also appeared in my XXXX  under a different name which I will supply documentation. The other person claiming this account is XXXX XXXX. I know there has to be a mistake because these accounts do not belong to me. I am writing you because my next action will be legal action if not removed from my report. This has cause me undue hardship with my good 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 2023-06-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I don't know why this is showing up on my report. I was offered a line of credit when I was considering dental work years ago but never signed up for anything. This is fraudulent. I did not receive any correspondence about this, never used credit care so why is it even on my report? I don't know anything about this account and I need to be deleted from my credit report. 

Also the report shows current on payments .... I have never made a single payment to this company so again this is completely 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Bank of America credit card which I have had for many years. I started to pay it on-line each month when my statement is released. The on-line payment program on the BofA website will preset the payment with the minimum amount due each month if you select that option. 

SCAM and INTEREST OVERCHARGE I select to pay the amount due at the date of my monthly statement. Bank of America AUTOMATICALLY FILLS IN THE PAYMENT DATE AS THE LAST POSSIBLE DAY YOU CAN PAY - and NOT the day you are making the payment. If you do not notice this and do not remove the date and replace it with the date you are making the payment, YOU ARE OVER CHARGED THE INTEREST EVERY PAYMENT. ( A frame grab of the BofA page is below. ) BofA has about 55.6 million credit card holders if even 5 % fall for this scam, they are overcharging 2.78 million customers a month. 

I filed a complaint with the Washington State Attorney Generals office. They sent a request for an answer to BofA. I received a call from their compliance department which had a message that it was also a collection agency. They requested a call back. I called three times and left a message, they never ever responded. The WA state AG later informed me that BofA refused to answer the states complaint. 

They continue this scam every month in on-line payments. 

A screen capture PGN file is attached. The payment date is shown below their late day as the " earliest payment date ''. Note that the payment date they record is the last day before the payment is late. 

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 explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XXXX XXXX XXXX, a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged account/negative activity associated with my credit report. I submitted a dispute to XXXX, Transunion and XXXX on XX/XX/XXXX. Companies responded that all information was true and accurate. This is not a Fact. I disputed a bankruptcy listed on all 3 reports. The dispute came back as verified by all three bureaus. XXXX XXXX XXXX has been listed on my credit report as being a part of the bankruptcy since XXXX. Transunion, XXXX and XXXX have furnished false information on my report for almost 5 years. As you can see in complaint # XXXX XXXX XXXX XXXX confirmed that they were never included in the alleged bankruptcy. This response was sent to the CFPB on XX/XX/XXXX. This is 60 days after I was told all information is accurate, in which is not the case. XXXX, Transunion and XXXX have violated 15 USC 1692ga validation of debts. This violation has caused me mental anguish and stress. XXXX, XXXX and Transunion are in violation of 15 U.S.Code 1692 ( k ). please delete this alleged bankruptcy and all accounts associated with alleged bankruptcy.

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 2022-05-23
Company: ALLY FINANCIAL INC.
State: AL
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:
Ally financial Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving

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 2019-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
I recently viewed my credit report 's and became aware of a " Capital One Auto Finance '' hard hit inquiry dated XX/XX/2019 that I don't recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Investigation took more than 30 days

Complaint:
According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: LEXISNEXIS
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 XXXX XXXX gave full permission and also include my id on this complaint XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX RE : My Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Enclosed are the following : x A copy of my credit report I received from your company. The fraudulent items are circled. 
x A copy of my Identity Theft Report and proof of my identity.

x A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Your Name Enclosures : Copy of Credit Report Identity Theft Report Proof of Identity FCRA 605B, 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible they should not report any claims that you know or should know are not in compliance with regulations and the law. If they do report such claims, they could be subject to fines or other penalties. Furthermore, reporting claims that they know are not in compliance could damage the reputation of they company. I am writing to inform them that they need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I have given you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize they to take whatever steps are necessary to correct 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: SYNCHRONY FINANCIAL
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Dear XXXX XXXX XXXX, I have made 3 purchases with my paypal account - PAYPAL AMOUNT - PAYPAL BALANCE - ( paypal debit card ) on XXXX XXXX, of {$35.00} each, however, I do have a paypal credit as well, associated with my paypal balance. 
On that credit balance I was charged {$35.00} XXXX as well on XXXX XXXX, which makes it 6 charges of {$35.00} ( 3 from my paypal balance- which I authorized- but another 3 from my paypal credit balance - I ONLY AUTHORIZED 3 CHARGES - NOT 6 ). 
I have contacted Paypal various times in the last 2 weeks, by phone, chat, email, online through the website and my app, but they refuse to respond and address this issue. 
When I call, they send me a link to chat with them, when I chat with them, they send me a link by email, then they say to go through the app., etc. nobody wants to be in charge nor address the issue, everybody points the responsibility to somebody else.

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 2023-01-11
Company: MONEY SOURCE, INC., THE
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: Account status incorrect

Complaint:
On XX/XX/2022, my XXXX XXXX XXXX account was compromised. The majority of my bills are paid from this account via autopay and have been for years. I went in the same day and closed the compromised account and opened a new one. I then contacted all my payees and submitted the new account information. Everything went as planned until XXXX. I received a notification from The Money Source ( my mortgage company ) stating that my bank declined payment. I gave The Money Source the new account # and explained that I've been on autopay with them since opening my account with them. Also that they had received 2 payments already from the new account, so how did a different # suddenly get associated with my bank. Things seem to go back to normal so I thought. I XXXX XXXX, I got another notification from the Money Source stating the payment was declined by XXXX. I then called XXXX and did a 3 way telephone call to The Money Source.. The XXXX agent told the Money Source agent that the issue was on their end by inputting the old account #. We don't understand how that could happen when The Money Source had been receiving payment with the new account number then arbitrarily began using the old number. This caused a hit on my credit report for a late payment in XXXX. I have had perfect credit for more than 5 years, this set me back into fair status. I have contacted The Money Source via phone and email, my attorney even wrote a letter. They will not take accountability for their mistake and I am paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT

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: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my mortgage company for over 9 months now and after multiple pleads for help they give me the worst possible plan that I can get. They gave me a forbearance plan and not a loan modification. I had told them that my income was reduced and lost my job. My son is here trying to help us save our home but this plan that was provided does not make sense. How can they extended the loan term by 17 years and increase my mortgage payment. 

XXXX XXXX escalated my loan modification review over 20 times because their team delayed my review for over 9 months. It took them 10 months to get me a plan that is making it harder to keep my home. I need the underwriters, escalation managers and processors to take responsibility for their mistakes. XXXX had spoken to XXXX XXXX ( escalation manager ) and he advised that he would help but never did. We had to continuously follow up with him. He was never available to get an update on the escalation. Week after week my loan got further behind because they didn't want to help. 

XXXX, another escalation manager was supposed to give us a call back earlier this week with a breakdown of the plan but never did. These people don't care if people are losing their home. They just want to get you off the phone and move on to the next person. The less work they do, the better for them to not handle problems. We are here begging for help in our most vulnerable time and they are just taking advantage of people. 

They even tried to blame me, that it was my fault for delaying on documents when I was the one following up to make sure my review was even moving forward!

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 2023-06-17
Company: EQUIFAX, 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:
Ive reached out to the agencies multiple times because my identity was stolen and Im tired of these agencies causing a defamation of character because of the information thats being falsely reported. I asked them to cease and desist from reporting the inaccuracies to no avail. Im trying to get the issue resolved before I file a lawsuit against all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The following account is inaccurate and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX XXXXXXXX, Amount : {$490.00} 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681Section 604A Section 2, also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1781s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 I called and made a payment on my delinquent account and set up auto pay for that same amount of {$79.00} to be charged on XX/XX/2021. I made a phone call when I noticed the auto deduct had not been taken from my account and was told it was approved and due to deduct {$79.00} from my bank account. Today XX/XX/XXXX my bank account shows {$350.00} deducted. They have repeatedly told me there is nothing that they can do other than send me a check for the difference in the next 7-15 business days. I told them I lost my job due to covid and was struggling and this is why my payment was approved for less than my minimum. Now both my checking and savings account are negative and Im hit with an additional {$30.00} overdraft fee on each account. I dont get paid for another 5 days and I was supposed to grocery shop today. I have to pay a babysitter so I can even make it to work. They said its not their fault and to call collections after being on the phone with 5-6 different people in the 2 hours of being on the phone and they are submitting a request for a supervisor to call me back. All in the meanwhile between my XX/XX/XXXX payment and auto pay set up, I have been emailed 3 times and have had calls and voicemails every single day regarding this debt. Anytime I pick up the phone and speak with someone trying to collect debts that are paid and on auto pay they look up the information and see that they have no reason to be calling, but yet I still get a phone call every single day.

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