BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-08-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Seems things started in XXXX when I made a payment the very next day they charged me an interest payment which if I read the credit card act of XXXX correctly, they are not allowed to double bill. This is been continuing ever since I tried to make my payments on time and within a day or two I would get hit with another charge an interest payment which now my bill has late fees, overdraft fees because Im over my limit so I get a fee for that they have literally made it impossible for me to continue to make my payments. TD Bank has gotten away with a lot of things in the past Ive had complaints against TD Bank in the past with the bureau, this should not be allowed to continue and should be addressed. Meanwhile, my XXXX XXXX my credit score has suffered. My credit rating is in the toilet. I got sick and could not make my payments. I asked them for help. They basically told me theres nothing they can do TD Bank is the absolute most crooked credit card company Ive ever come across, I was literally XXXX in XXXX XXXX, begging them for help back around XXXX and they could care less no deals no plan no help no nothing from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint last month against Experian for inaccurate reporting on my credit report which they failed to update and investigate. I have a letter from the better business bureau proving they ignored one of my last complaints about inaccurate reporting which is unfair to consumers and violated FCRA federally protected laws.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I received a {$1500.00} payment from a client using Chase 's WePay payment processor. My merchant account # XXXX. The closed my merchant account citing risk for charge back. My account has never received a charge back and the client confirmed that the payment was processed by their card provider. 

I called Chase on XX/XX/2023 to get clarity on when I would have access to my funds, and they said it would be 120 days. A complaint was also filed by the XXXX XXXX XXXX at the XXXX XXXX, SC branch. 

Chase customer service has been vague about why this happened and they've been evasive with both me and their branch personnel about how to correct this. Their actions have cause me a financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is in direct relation to the following case : XXXX XXXX XXXXXXXX I have a Business Checking account that I noticed is receiving excessive overdraft fees in violation of the Overdraft Protection Act. 
Truist bank charged me overdraft fees even after the system tells me I had sufficient funds at the time of the transactions. I brought this issue to the Business Banking Support Teams attention. The fees were not refunded. I also spoke to a Banking Representative on the phone at the branch but nothing was done as I requested refunds. So far I have been charged a total of 13 Overdraft fees at {$36.00} each in XXXX of XXXX. 26 Overdraft fees in XXXX of XXXX. 15 Overdraft fees in XXXX of XXXX. 21 Overdraft fee in XXXX of XXXX. 7 in XXXX of XXXX. XXXX in XXXX of XXXX. 4 in XXXX of XXXX. 1 in XXXX of XXXX and 5 in XXXX of XXXX. Many of these overdraft fees were given even after the system showed sufficient funds at the time of transaction. Total amount of overdraft fees is {$3.00}, XXXX. Of which many times I was charge more than 5 overdraft fees in 1 day. The most I was charged was 11 overdraft fees on XX/XX/XXXX. I am seeking a refund and a change to how these fees are being charged to business banking accounts. I also made a request that the bank stop paying overdrafts but they said they can not stop for business banking accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

XXXX 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 2023-08-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While I was out of state someone used my credit card and went on a shopping spree spending XXXX dollars in a day. Contacted TD bank and they denied my claim by saying it was my regular spending limit when my card has a limit of XXXX in total. I asked for an appeal and they didnt even take a week a day later they denied my claim again saying the card was used before in a legitimate purchase a while ago. I explained I shopped there before but I wasnt the one using it. They told me there was nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: FirstPoint Collection Resources
State: IA
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 have been harassed via phone calls by debt collectors like firstpoint collections saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from XXXXXXXX XXXX {$680.00} from XXXX XXXX and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : XXXXXXXX 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 explanation
Consumer complaint received 2021-07-10
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: Account information incorrect

Complaint:
Trans union consumer relations reported to XXXX XXXX false information which resulted in my credit limit being lowered!!!!!!!!! 

Trans union reported the following : 1. Lack of real estate secured loan information ( dont have real estate loan ) 2. Balances on accounts too high compared to credit limits and loans amounts ( I have the following credit accounts A. XXXX XXXX limit XXXX balance as of XX/XX/2021 {$160.00} B. XXXX  XXXX XXXX balance C. XXXX XXXX XXXX balance D. XXXX XXXX balance the credit account thats lowered is XXXX XXXX account paid in full because of the false information reported to XXXX XXXX  this account credit limit was lowered,,,, D too few accounts paid as agreed E. Too many delinquent or derogatory accounts!! 

These are all absolutely false and outrageous lies that are affecting my credit worthiness. 
Trans union needs to be held accountable with legal actions. 

Simply filing a complaint is not enough!!!!!!! 



New car loan opened XXXX. I am trying to rebuild my credit due to the fact that my credit was severely damaged by my ex significant other who stolen my information.. 

All of my credit cards are in excellent standing!!!!!!!! 
I have never miss a payment or been late. 

Its not fair the credit reporting agency are allowed to cause consumers unfair situations that negatively affect our struggles to rebuild our credit. 

When I contacted XXXX XXXX  I asked if they randomly decided to run my credit I was told NO!!!! They stated that trans union forwarded the information to the bank, I called trans union to ask whyre reporting false information regarding my credit?? 
XXXX ( agent who I spoke to was rude and stammering her words when I demanded answers she disconnected the call!!!! ) 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 2021-09-07
Company: Atlantic Mortgage and Funding, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today XXXX Once again I would like to ask this company Atlantic Mortgage & Funding to stop. https : //www.atlanticmortgage.net/ On XX/XX/2021 I stablished a complaint against Atlantic Mortgage and Funding , Inc XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX, VA XXXX ( XXXX ) XXXX Web : https : //www.atlanticmortgage.net NMLS ID : XXXX Mr. XXXX XXXX manager will not stop harassing me. Its hard for him to understand the word NO I do not want and I had never requested this unsolicited junk mail. Today XXXX This letter will not stop and the complaint # XXXX at the Florida department of agriculture has not being answered. Why tis company insist in harassing me? 


This company its using my name and personal VA mortgage information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and VA loan offers. How this company got my information, what gives the right to this company to use my name and address on marketing and why?. What and how can this company write a misleading letter ( extremely hard to read ). Not very clear letter misleading veterans and seniors citizens and handicaps like me why a lower rate how they know my current rate?. There not a clear address the costumer must read the small print. Please look at the evidence letter. What gives this company the right to try to HAVE ME CALL THIS NUMBER XXXX, with misleading information, Not clear information.? Because its very uncertain about the veracity and legitimacy of this document I only assume the company above its responsible. This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the DMA. My name and address of my wife also has been submitted to be opt -out from this unsolicited misleading letters. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? Where at the XXXX County Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. Companies like this one does not respect the fact that our names are OPT- OUT from this unsolicited junk mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.

Remove my name please. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the DMA PLEASE READ THE LETTER ATTACHED EVIDENCE FILE ( Atlantic Mortgage and Funding, Inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE PREVIOUSLY DISPUTED WITH THE CREDIT BUREAUS ( PUBLIC RECORD XXXX XXXX  / REFERENCE NO XXXX WITH CREDIT BUREAUS, AND IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, of XXXX XXXX, IN Florida, XXXX XXXX  XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXX XXXX  XXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 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 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
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 have been harassed via phone calls by debt collectors  like XXXX XXXX saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from U.S Bank, {$680.00} from portfolio recovery and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am submitting this complaint because of a dispute I am having with my bank, Fay Servicing, who is administering my mortgage loan. During the pandemic I needed to utilize the mortgage forbearance program that was available nationwide. During this process I worked with my former mortgage administrator XXXX XXXX to finalize an agreement that would put any amount due after forbearance ended at the back end of my mortgage loan & continue to make payments as usual. Before forbearance ended XXXX XXXX  sold my loan to Fay Servicing. Once the forbearance ended Fay Servicing said they would not honor this agreement & the full balance is due my XX/XX/2023. 

Fay Servicing has stopped taking payments from me & will only accept one large payment that covers all the amount due. I have made several attempts to resolve the situation, but they seem intent on putting me into foreclosure. I have about XXXX of equity in my home. They rejected my solution of using the equity in my home to resolve the outstanding balance. I do not have any other options left to resolve a XXXX balance due. Per your guidelines of submitting a complaint, a good solution for me would be to put the outstanding balance on my mortgage to the back end of the loan like my original bank agreed to. Thank you for your help & support. You may contact me anytime.

Company response to consumer: Closed with explanation