BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 rights have been violated by TransUnion XXXX and XXXX. I sent a formal complaint of them reporting inaccurate and incomplete credit information on my report. Below is the information on my credit profile that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report published. I've decided to file a complaint with the FTC and the CFPB. Wenger v. TransUnion Corp., No 95-6445 ( C.D.Cal Nov. 14,1995 ), you may be liable for your willful non-compliance, Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be investigated, I respectfully request to be provided proof of these alleged items, the original application, contract, note or other instrument bearing my signature. Failing to do so, items must be deleted from report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation. Please be advised that the description of the procedure used to determine the accuracy of and completeness of the information is here by requested as well. Please provide the information within 15 days. The credit bureaus is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior and I was not. As the original creditor, only I can validate this debt and I did not validate this debt. Therefore the following accounts must be deleted from my report. 

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/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 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I 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 2022-03-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Every month Bank of America charges me {$4.00} for a maintenance fee when I go under {$100.00} balance. I called customer service and asked why the date changed every month and why do they wait until I get closer to or under {$5.00} per month to assess this fee. I have never received an overdraft fee because I always cover my account, but I came close this time. The customer service rep told me the date is the same every month. Thats when I got upset over the phone. I said no, it varies and this time this fee put me in the negative. He said no it wasnt the service fee but my charges that out me under. I said no when I went to sleep the charger wasnt there but it is and it put me under. He said well thats what you signed up for XXXX. You knew exactly what the fee is for. I said well it sounds like youre reading your script and youre just trying to see if you can get me to pay overdraft fees. I told him he needs to work on his customer service skills because he had raised his voice at me. In my case, I am unfortunate, but if you look into it, I think you will find other customers who may be paying a lot of overdraft fees and Bank of America is targeting those of us who dont always have a cushion in our 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 monetary relief
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian and XXXX XXXX are reporting a chapter XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the chapter XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act

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 2022-12-13
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2022 I moved out of XXXX at XXXX XXXX. I left in good standing. When leaving I asked the manager to do a walkthrough, she said it wasnt necessary and told me to leave the keys at the office with my forwarding address. I did. Havent heard from them since moving. Received a notification on my XXXX XXXX  saying there was a collections report filed by them. The next day I contacted both the manager and regional manager and received no information. When calling the collection agency they said I owed XXXX due to damages. Never got my security deposit back and did not receive any phone calls letters or emails from residence at XXXX XXXX saying I had a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
The credit reporting agency failed to provide proof that these accounts should remain on my credit 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 2023-05-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Synchrony bank and citi bank and also XXXX XXXX offer credit to someone else using my social security number I have never had credit with these creditors and also XXXX XXXX and XXXX need to remove all negative inquiries off my report I did not authorize anyone to apply for credit in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MI
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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2017-06-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX-XXXX-16 I did a search and subsequent purchase from an Amazon.com Market Place Vendor found on Amazon.com, following the posted procedure of the listing. The posting required clicking on a posted email address to contact the vendor before placing the order & payment to be done by Amazon gift cards. The machine was to be used in my XXXX XXXX. When the product was not received I immediately notified Amazon through their posted procedure via email complaint using their website and form, giving all details. For at least 2 days after filing the complaint, the vendor 's posting was still on Amazon.com so they did nothing about the situation. Upon calling Amazon for a status on my complaint, I was told they knew nothing about it, took the information and complaint again verbally and advised me to do a police report and an on line FBI report - which I did. After researching, Amazon told me that since I used Amazon gift cards, and contacted the vendor outside of Amazon ( I simply followed the posted procedures found on their website posting ), - and they could n't find the transaction ... They could n't do anything about this. I have screen prints of the posting on Amazon 's website, email communication with the vendor and with Amazon and gave them all of this. I 've also contacted XXXX, Call XXXX and provided them with all of the above. They have contacted Amazon and Amazon has repeatedly told them they will contact me directly to resolve and has done nothing but continue to bill me for the {$500.00} cost of the undelivered machine. I have paid to protect my credit and at this time still owe them {$320.00}. I mailed certified letters to both Amazon and Synchrony Bank ( who administers the VISA Amazon Prime Store Card that I charged the gift certificates for the purchase on ) demanding dismissal of the debt and neither answered. I 've also put a complaint in with the State of California Office of the Attorney General who suggested I lodge this complaint with your agency. Bottom line is that I was scammed on Amazon 's website by a vendor they allowed to be there - and did not remove ... and they are not willing to take any responsibility for it. At XXXX years of age, I can not afford to have companies take advantage of me and I 've always trusted Amazon. I 'd appreciate any help you can give on this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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:
Trans union continues to verify several debt as accurate with out providing proof such as a sign credit appl, load prepayment agreement or loan documention and have fail to comply with the federal 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 explanation
Consumer complaint received 2020-11-06
Company: Conn's, Inc.
State: AZ
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:
In XX/XX/2020 CONNS reported tree late payments ( XXXX, XXXX and XX/XX/2020 ) then my credit score decreased by 27 ponts. On XX/XX/XXXX I got an e-mail statig that the problem was corrected, which was true. On XX/XX/XXXX I got a credit credit issue alert through a XXXX  credit monitoring services about late reporting from one of my creditors, when I checked it, I found that CONNS has re reported late again the previously corrected issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was a business account my company had that is now closed. The debt was with XXXX XXXX not collection company. Debt was charged off by XXXX XXXX and taken off company credit report then this collection company decided to make the debt a personal debt payable to them. I nor the closed company ever signed any agreement with the collection company. Moreover, their representatives have made it clear they have no intentions on removing the illegal debt and they will kept placing it on my personal credit report despite that it may be illegal and my objections. They opened a closed account and are making it new and open, which goes against the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was trying to improve my  credit s  core an d disputed a charge off from   XX/XX/XXXX   that was charged off but then paid to  XXXX  in    XX/XX/XXXX .   within the next couple of months I receive a collection notice from  Portfolio Recovery Assoc . saying I owed. I disputed with them and submitted   all the paperwork. They denied it only showing the   XX/XX/XXXX  a mount they did not acknowledge the  21  payments of  XXXX  per month that was reported to the Credit Bureaus. from   XX/XX/XXXX  to  XX/XX/XXXX  . They informed me to take it up with  XXXX  of which I did.   as I am disputing with  XXXX   Portfolio is sending  me more notices that this is my debt. I disputed it again sending it certified this time and once again they will not acknowledge the settlement made to  XXXX . In the process they have put this on my credit of which they said it would say disputing. That was false it is showing as my debt. I was in the process of refinancing my home and have had problems due to their accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom  it may  concern, I faxed over a letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to a collection with  XXXX   XXXX  that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was a collection that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be   investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for this collection with   XXXX   XXXX   being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The card with my name on it that i should got it in 10 days so i call and cancel on XXXX i explain to having with my mail and i am in the hosptial  please mail the newcard my new address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX XXXX they email me it ship XXXX and activated on XXXX between this i was XXXX XXXX XXXX was DichargeXXXX never received no card they told they had the address but they to where i ask them not to seen to that iam in hospital.i want my {$2400.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2023, my car was in an accident on XX/XX/XXXX the car was deemed a total loss. XX/XX/2023, my insurance company submitted a ck for {$21000.00} then another ck for over XXXX to Bridgecrest. As of XX/XX/2023, my account shows a balance owed of {$26000.00} as Bridge crest reversed the transaction/money my insurance company paid to them. I also have GAP Insurance to cover the difference of my loan. According to GAP insurance it can take up to another 8 weeks for them to process the difference of what's owed on my loan. This is causing me not to be able to purchase another vehicle. GAP insurance advertises to purchase to have a peace of mind. I have not had any peace of mind. The loan holder Bridge crest also sends me letters threating to repo my car... A car I do not have, a car that has been totaled and my account reflects that. Bridge crest also is seeking me to continue to make monthly payments on a car that was deemed totaled almost 2 months ago. How can I save up a down payment to get a new car if I'm paying on a car I no longer own or can drive. I signed over the car to the insurance company. This process should only take 30-45 days ... As Bridge crest has been paid. The GAP insurance will pay off the difference, but Bridgerest is taking so long to correct my account, it makes the process even longer. I also want to despite to ensure nothing negative is put on my credit because this is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of a XXXX XXXX Card Services account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief