BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I will pay alleged debt and not just verified. This account has been removed and XXXX XXXX XXXX continues to furnish the account on my report without sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account deleted IMMEDIATELY!!! Please see attachment!!! 18 USC 8

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 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX BANK OF AMERICA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : I have new information provided to Bank of America including new police reports and actual culprit who stole my bank card and used it fraudulently and without my permission. Police Report : DC # XXXX DC # XXXX This is my first dispute. 
I am writing to dispute a debit in the amount of {$7300.00} on my account. The open claim ID number regarding this dispute is : XXXX. 

This particular gas station where these charges occurred is a gas station that I have used before because its close to my home. I recall several times I attempted to use my debit card at the pump and the charge didnt process. I recall this happening on several occasions and I instead used another credit card to pay for my gas. 

However, since XX/XX/XXXX thru XX/XX/XXXX I have noticed that there have been charges that I didnt authorize, have no knowledge of and didnt perform on my account. I have informed the representative when I opened my claim about my concerns about a skimming device being in place at this gas station. I also informed the representative that have had several instances where I was prompted to reset my password on the mobile app as well as alerts being sent to my spam folder about charges on my account. 

After reviewing of my account statements in detail and depth I am disputing the following charges to my account : XX/XX/XXXX - {$200.00} ; {$110.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX {$90.00} XX/XX/XXXX - {$86.00} ; {$140.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX - {$280.00} ; {$200.00} XX/XX/XXXX - {$170.00} ; {$180.00} ; {$200.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$250.00} ; {$120.00} XX/XX/XXXX - {$180.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$110.00} ; {$140.00} ; {$98.00} ; {$220.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} ; {$250.00} ; {$70.00} ; {$100.00} ; {$220.00} XX/XX/XXXX - {$120.00} ; {$240.00} ; {$100.00} ; {$100.00} XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$250.00} ; {$160.00} ; {$190.00} ; {$160.00} ; {$100.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$87.00} ; {$90.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$96.00} ; {$52.00} ; {$84.00} ; {$69.00} ; XXXX ; {$20.00} ; {$72.00} I am requesting that the fraudulent charges be corrected and refunded to my account as well as any any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
The following is my police report number : DC # XXXX, supporting my efforts to help resolve and take appropriate legal actions regarding the unauthorized use, and charges presented on my account for the above listed charges.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor has illegally reaged date last active my account to XX/XX/XXXX to XX/XX/XXXX on XXXX and transunion

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-09-06
Company: BETHPAGE FEDERAL CREDIT UNION
State: FL
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 want to make it abundantly clear that I have never, at any point, granted you permission to access my credit profile. Furthermore, you possess no legal grounds for contacting third parties with my personal information. Your actions in obtaining my consumer report on XX/XX/XXXX, without a permissible purpose, stand in flagrant violation of the Fair Credit Reporting Act ( " FCRA '' ), as explicitly codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Case law, such as Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ), reaffirms the gravity of such transgressions. 

Let me be absolutely clearI have not engaged in any transaction with Bethpage Fed CR Union. Furthermore, I do not maintain an " account, '' as defined under 15 U.S.C. 1693a ( 2 ), with Bethpage for any conceivable review or collection. It is paramount that you understand the severity of your actions, as they amount to Aggravated Identity Theft under 18 U.S.C. 1028A. Knowingly transferring, possessing, or utilizing my means of identification without lawful authority is a felony, punishable by up to 2 years of imprisonment, in addition to civil liability.

Per 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. Your transgressions have left me no choice but to assert my rights under the FCRA, [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. You unlawfully obtained my XXXX consumer report on XX/XX/XXXX, without my authorization or a permissible purpose under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ) and its associated guidelines for permissible purposes.

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 2022-12-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have switched banks and have been trying to pay my personal line of credit through bill pay. Truist is claiming that the originating bank reversed the payment. I've never received any money back to my originating account. The money is now missing. Truist is blaming the bill pay bank. Meanwhile, my money is gone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: PA
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 have multiple fraudulent inquiries on my credit reports, I have disputed multiple times, I have contacted companies letting them know I am a identity theft victim & have tried my role times to dispute accounts & inquirys I have a collection on my credit report for the amount of XXXX that I am not responsible for, I have also tried to dispute this account multiple times I am currently trying to better my credit I also took steps by getting additional security added to by ssc # by gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been having a problem with the bank that holds my mortgage. Since XX/XX/XXXX, they have consistently mis-applied my mortgage payments. The bank ( TRUIST ) has had trouble explaing their system that allows for multiple acct numbers for the same loan. In XXXX of XXXX, I was informed by the XXXX  that they would be paying my mortgage for the next 18 months. I have documentation. Florida says they have paid TRUIST on the first of each month since XX/XX/XXXX. On XX/XX/XXXX, TRUIST reported me to the credit agencies as being 60 days delinquent on my mortgage payment. The next day, my XXXX score dropped XXXX points. I have made repeated attempts to resolve this, to no avail. At this time, my balance is approx {$9200.00}. 
I have had credit cards cancelled and credit lines dropped overnight. My wife and I take ONE vacation per year ( I am XXXX ). We use the cards to finance meals etc that we would never do under normal circumstances. Now our XXXX vacation is in serious jeopardy. When I spoke to TRUIST, they suggested that I contact all my CC companies and check on status. Their lack of interest has destroyed our vacation for this year.

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 2022-05-26
Company: EQUIFAX, INC.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$400.00} Equifax : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} XXXX : XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Millco Management
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. 
AMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. 
Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hello, I requested a balance transfer of {$600.00} from one of my XXXX XXXX ( XXXX ) cards to my Bank of America ( BoA ) credit card on XX/XX/XXXX. However, on XX/XX/XXXX, I checked that it was not processed on XX/XX/XXXX. So I talked to BoA on phone while chatting with XXXX on their chatting system. The BoA said that it can not be processed on the day ( XX/XX/XXXX ) and the XXXX said that they did not receive any request from the Bank of America. So I cancelled the balance transfer with the BoA and told the XXXX about the cancellation - I first requested an adjustment of the amount transferred but BoA said that it is not possible, which leads to the cancellation and another balance transfer. 

To sum, I cancelled the first balance transfer ( and told the cancellation to XXXX ) and requested the second balance transfer. However, on XX/XX/XXXX, both balance transfers are processed. I don't know why the cancellation of the first balance transfer does not work, that is, why it is processed despite of the cancellation. 

I had spent all day trying to resolve this problem by cancelling the balance transfer. I don't think that both sides try to help me. On XX/XX/XXXX, I talked on the Bank of America side to XXXX XXXX XXXX, XXXX XXXX, XXXX ( He said he is a security but did not wear an uniform, refusing to provide his last name ) in Bank of America Financial Center of XXXX XXXX XXXX. On XX/XX/XXXX, I don't know the name of the person whom I talked to but he is the one who processed ID XXXX ( or XXXX ) which I did with him on the same 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 explanation
Consumer complaint received 2022-12-04
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:
On the complaint with Transunion, XXXX and XXXX, they state that the information I submitted as fraud has been verified. They never spoke to me, a family member or a friend. Verifying that someone ( a thief or an imposter ) used my information is not verifying that I used that information, and these should be removed from my account immediately. XXXX has removed the one account ( XXXX XXXX ) from my credit report, and I would like the TransUnion and XXXX to follow

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX : XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} TransUnion : XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$400.00}

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 2023-10-02
Company: Experian Information Solutions Inc.
State: OH
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 noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX, Eqifax, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX  XXXX. 

XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of XXXX, i notified Upgrade of the natural disaster which was hurricane Florence which devastated my area. We are located in a declared natural disaster still. They told me i would allowed two deferrments or extensions that would help me get back on my feet until the end of XXXX. It is now XX/XX/XXXX and i am about to close on a home equity line of credit which was not only to get myself and my family back on my feet, but also to pay Upgrade off. They never gave me an extension and now on my three credit bureaus it is showing i am 60 days late on my account which is not only enabling me on closing on my home equity line of credit, everything they have told me concerning the the extension unitl XXXX was a lie and deceptive to me which is now putting me in a position to either have to file bankruptcy or hire a debt settlement bank to help me settle for pennys on the dollar. All because of Upgrade 's deceptive tactics. I have tried numerous time to speak with a supervisor and not one time have they emailed me or called to address the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: KEYCORP
State: NY
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/2021 I wrote a letter to key bank asking to remove my account from XXXX XXXX, however they failed to respond and have not removed the account. The account was in a chapter XXXX bankruptcy over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: American First Finance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened an account with American First FinanceXXXX XXXX XXXX XX/XX/XXXX. Account # XXXX. When reviewing my credit report it was brought to my attention that I had a charge-off and an amount of {$200.00} owed to American First so I logged in and paid the {$200.00} in its entirety ( confirmation # XXXX ). I contacted the company via chat to discuss with them me paying it off and the rep instructed me to contact XXXX XXXX  XXXX, a third party collection agency to which i did. There contact number is XXXX. They returned my call this morning to which I told them that I paid the account off on yesterday via the payportal for American First Finance and informed me that they did receive my account but did not accept the account so it was not in their system. I then contacted American First Finance again at XXXX on XX/XX/XXXX, and told the agent what the collection agency told me. The agent referred me to physically call XXXX XXXX customer service at XXXX to which I did. The young lady that I spoke with let me explain what the situation was. I explained to her that my credit reports were reflecting a {$200.00} balance so I paid it off on XX/XX/XXXX and contacted them to let them know, and they told me it was with XXXX XXXX  XXXX which they stated it was not. She placed me on hold and stated she would call me back on what may still be owed on my account when I told her that {$200.00} is what the credit bureaus showed and their last reporting date to the bureaus was XX/XX/XXXX. This is also the amount that was turned over to collections, when she stated that it was leasing fees that were the extra amount but if they thought it was turned over to collections why would it accrue leasing fees or interest? They had just been informed by me that the collection agency did not have my account. She told me it would have to be paid but would call me back. This company has been reporting {$200.00} as a balance on my credit every month with the last report on XX/XX/XXXX. I have paid the {$200.00} total and do not feel it is fair to throw extra fees on me after I have paid the account and that those fees should be adjusted off. I have attached the report from the credit bureau with the last reported date and amount, the receipt from American First Finance portal showing payment, and the payment that has been deducted from my bank account from American First Finance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: RateGenius Loan Services Inc
State: NC
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:
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of rateGenius. I did not authorize rateGenius to pull my credit nor was there a formal application

Company response to consumer: Closed with explanation