BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the FCRA, credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional 60 days for resolution. This extended timeframe is not in compliance with the statutory requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. As a victim of fraudulent activities, I expected prompt and accurate resolution of my dispute to prevent any further damage to my credit history. The FCRA clearly stipulates a XXXX timeframe for investigations, and I fail to understand why your bureau has chosen to exceed this limit without providing a valid explanation for the delay. 

XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX .... - PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

I kindly request that your bureau promptly review and rectify this situation, ensuring that the investigation is completed within the legally mandated 30 days. Furthermore, I insist that any fraudulent accounts refrain from reporting until a conclusive resolution is reached, as this delay is beyond the acceptable limits set forth by the FCRA.

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 2023-08-08
Company: EQUIFAX, INC.
State: IL
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:
I notified XXXX XXXX and Equifax and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, On XX/XX/XXXX I went into my credit karma account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.

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 2023-08-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been paying off the balance on my home depot card for over a year. My last statement for XXXX was {$800.00} and I received a new statement for XXXX indicating my new balance was for {$910.00} and some cents. When I went to review the statement it indicated that they were charging me {$210.00} of interest and a promotional no interest was not paid in full. 

Home depot conveniently paid the revolving amount and none of my payments went into the no interest amount and I essentially am owing more than the purchase amount of {$650.00}. I have made continuous payments for over a year and even paid a late payment fee once since 2022. The person I spoke to in the credit card customer care indicated I had a way of allocating that towards the no interest promotion. 

There is not a tangible way to do that either on the phone nor is there anything indicating that on the statement I am looking online. 

Home depot 's management of payments is fraudulent and convenient to be able to charge more and not able to see what my payment is going towards. Very misleading and not worth having this sort of credit card.

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 2023-08-08
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was either bought or sold to BSI Financial Services from XXXX XXXX. 
From the time BSI obtained my mortgage it was just one nightmare after another, BSI is the worst company I have ever dealt with. I have called and complained about the inconsistency I am getting about my accurate monthly mortgage payment. I contacted BSI on XXXX XXXX and XXXX and each time I called I was given a different mortgage payment amount for XXXX BSI is now stating that I owe {$320.00} in late fees from XXXX XXXXXXXX which does not make any sense to me. My mortgage is current and up to date. This company absolutely does not care about its customers. An investigation into this company 's financial practices is definitely warranted. 

Thanks for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I opened a business back in XXXX, right before covid and in XX/XX/XXXX. I tried to buy inventory. I was scammed from the seller online. I always bought inventory from XXXX ever since I opened the business and never had a problem. I called bank of america because I wanted to report it and get my money back. I lost XXXX dollars. They wold n't give it back to me. Neither would XXXX. Not to long after I was scammed, the XXXX  transfer exploit started to happen. I gave bank of america the ip addresses, names, and websites these scammers came from but they did nothing to stop them. They did not press charges or call the cops. I filled out an ic3 police report and called the local police. No one has helped me. These scams are coming from XXXX XXXX XXXX There scamming everyone because of cryptocurrecy mining.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX XXXX XXXX XX/XX/2020.

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 2021-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX son was contacted by someone on XXXX and asked if he had a USAA XXXX account and said they would pay him to talk to and be a friend of the scammer. My son was provided with {$11000.00} in checks, mostly {$1500.00} but one {$2500.00} check to deposit to his account. The funds were deposited to the account and the entire amount was immediately made available. He was able to make two wire transfers, onXXXX in the amount of {$1900.00} and the other for {$2500.00}. The scammers provided him with a video via XXXX on how to make a wire transfer on USAA. Additionally, he was instructed to XXXX two transactions and make visa gift card purchases. All in all, he was allowed to have access to withdraw the the entire amount through various transfers and purchases. USAA reports that they sent an alert to the XXXX XXXX XXXX account holder. They did not send alerts to the adult account holder. I noticed that another consumer reported a similar experience in XXXX of this year. These scammers are intentionally targeting youth with USAA accounts because of the lack of financial controls that other banks have implemented. USAA is aware and is not acting responsibly. I can't imagine any universe where a XXXX XXXX XXXX needs to send wire transfers. My own bank limits ATM withdrawals to {$1000.00} per day on an adult account! 

USAA is failing to implement appropriate controls to protect military consumers with youth accounts. They are aware that their youth accounts are being targeted, as evidenced by the report filed a couple months ago, and the multiple communications I have had this week, and still fail to take action to protect their consumers. 

Additionally, USAA has denied me to take a loan to preserve my credit rating, even though I have good credit and financial means to pay. " There is no second look. '' They are not working with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My social security number was incorrect in the trans union system. I sent my documentation in to have it fixed. They received my documents on XX/XX/XXXX. My number is still not updated. I am purchasing my first home and am at risk of losing this opportunity because I am unable to close until this is fixed. I was set to close on XXXX, as of today XX/XX/XXXX the issue is still unresolved. I have called almost daily, have been given the complete run around. It has been escalated to multiple supervisors including the supervisor of special handling for the US only to be told 3-5 more days. After a months time I remain in limbo. There has been no acknowledgment, no apology, no compassion. It feels like they dont care at all. I just need my information fixed so I can buy my house. The family I am purchasing from is running out of patience waiting for this to go through. Please help me, I feel like nobody cares, and I feel like this will never be made right. In comparison, I sent my info to XXXX who had it fixed in 3 days and a verification letter was sent 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 2022-05-21
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The issue here is the negative late payment placed on my credit report that dropped my credit score. 

The purchase of my XXXX  XXXX XXXX XXXX was financed through GM Financial. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the Truth and Lending Act. 

Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. GM Financial was payed in Full at the time of my signature, so there should be NO LATE payments. 

Gm Financial never notated my account was under dispute pursuant XXXX Responsibilities of XXXX XXXX XXXX XXXX XXXX reporting agencies. 

Gm Financial strategically refused to note my account under dispute.By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. 

This is yet another extortionate attempt at collection on their financed lines of credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted the account listed below & they told me I've never missed a payment, yet XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX 's job To shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 
XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$330.00}.

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 2023-07-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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. 1681s-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 2023-05-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I requested two balance transfers for {$2100.00} and {$1500.00} on XX/XX/XXXX at around XXXX EST. The terms disclosed during the transfer ( screenshots attached ) were a 3 % fee, which was applied to my account ( as disclosed ) and a 0 % APR on these balances until XX/XX/XXXX. 
For some reasons, TD Bank  only " processed '' the transfers in the following days and is now saying the promotion had expired by the time they processed them. All this, in spite of the terms that were clearly disclosed to me during the transfer. As a result, they are now charging me 19.5 % on these balances. 
This is very deceptive advertising and, in my opinion, a gross violation of the most basic UDAAP compliance requirements. 
I contacted them and they have not agreed to their error or any corrective action. 
On a side note, their mobile app does not offer any payment option, the only way to pay is through the website, though the autopay system offered there does not work correctly. A double payment of $ XXXX ( statement balance amount ) was applied to my account in XXXX ( manual payment I made + remaining statement balance auto-paid 10 days later ). Not only their system doesn't process remaining balance amounts correctly but it applied a $ XXXX payment on an account with already a XXXX balance, which is a gross violation of the most basic AML rules. It took me 3 weeks to get my money back ... Their customer service is very inefficient. 
In my humble opinion, this card program should not be live to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

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