BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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: Account information incorrect

Complaint:
Transunion is reporting inaccurate information on my credit report. 

According to the Fair Credit Report Act, I the consumer have a right to 100 % accuracy of accounts reporting. 

Account in question : Flex on Behalf of XXXX XXXX XXXX  Violation 1 : Inaccurate payment history XXXX XXXX XXXX  there was no amount past due {$0.00} XXXX XXXX : highest balance amount was {$1600.00}. 
XX/XX/2023 : highest balance amount is {$810.00} The payment history is grossly incorrect and the outstanding amount is too. 

Transunion did not verify the accuracy of the information prior to posting this violation to my credit report. 

I have a right to fair and accurate credit reporting under Federal law. 

I am seeking {$1000.00} per violation and to have the account removed from 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have inquiries on my credit report that Im unaware of.Ive been harassed by a collection agency and have been told to pay a debt that I have no knowledge of.I would like the following inquiries removed from my credit reports. 

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 explanation
Consumer complaint received 2023-08-10
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX : Discover allowed a payment to be processed by XXXX XXXX XXXX in the amount of {$260.00} even after a stop payment was put in place by Discover at my request for all payments initiated by XXXX XXXX XXXX as of XX/XX/XXXX. This stop payment was supposed to stop any and all payments ranging in amounts from {$1.00} to {$30000.00}. When I called to fight the processed payment, Discover said that a stop payment didn't really mean anything and that they could not guarantee that future payments wouldn't be processed. They refused to honor the stop payment and reimburse my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
15 US Code 1605 " Definition of a FINANCE CHARGE '' XXXX XXXX XXXX XXXXXXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if th
e open date is wrong.

Then I ask them to provide me description of the investigation according to

15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. U

nder 15 us 1681c-2 these items must be remoled. Remaining Inquires According to 15 use 1681eb Every
thing must

be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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.
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2019-04-18
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX XXXX XXXX P # XXXX. I have a mortgage loan with XXXX XXXX XXXX in XXXX, NM. Their phone number is XXXX. On or around the first part of XX/XX/XXXX XXXX XXXX XXXX paid an insurance company that I was no longer with {$1100.00}, not to mention paying the insurance company that I am indeed with. This caused a shortage in my escrow account of around {$1100.00}. It also caused my monthly mortgage payment to increase. I was not informed of this issue for almost a year. I continued to pay my regular monthly payment not knowing fees were accruing. In XX/XX/XXXX I had no choice but to pay {$1500.00} which was stated is late fees, shortage fees and who knows what else. I agreed just so this could be over. A manager agreed that there will be no more charges and owing extra charges will no longer happen. I also sent a regular monthly payment of {$870.00}, hopefully my mortgage payment will decrease back to {$820.00}. Today is XX/XX/XXXX, I received a call yesterday stating they did not receive my monthly payment for {$860.00} that I did indeed send. This never ends. How can I get them to stop harassing me for money still to this day? How can I stop owing them so much money. It never ends. No matter how much I pay on time, it seems every year I am paying at least an extra {$1500.00} to them along with every single monthly payment that is never late. Its unfair that I had to pay for their mistake and still being charged money for the damage that it has created. I have been threatened that my credit will be damaged and threatened with foreclosure. I am asking for your help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23, {$140.00} was withdrawn via an ATM. The withdrawal was from an ATM in Maryland when I was out of state in Pennsylvania ( I was out of town from XXXX ). I offered proof that I was not in the state and could not have made the withdrawal and Discover refused to investigate. They claimed that there was no way that an ATM withdrawal could have occurred without my physical card. They failed to tell me that skimming is a current scam and that consumers are victims of this all the time. I asked them to review the video tape of the ATM transcation, which would clearly show it was not me who withdrew the money. They refused and closed my complaint without doing anything to fix the problem. They also failed to inform me of this well known scam and they did not advise me how to avoid this type of fraud in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today is XX/XX/ I applied to have my IDR updated on XX/XX/ MOHELA acknowledges receipt of this application on XX/XX/ I was placed in administrative forbearance by MOHELA due to long processing times. 
My IDR has not been processes as of today XX/XX/. 
Yesterday I received a bill- for the full amount of the non-IDR payments said that it is due XXXX 
I can not get through to a representative on the phone. 
My account needs to be placed back into administrative forbearance until such a time as my IDR application for the SAVE program has been processed. It has been 4 months and has still not been processed. This is not an issue on my end. 
I directly linked my application to my IRS information, ensuring that all required documentation has been received. 
I am a public school teacher and simply can not pay the standard repayment which is why I have always updated my IDR in a timely fashion. I was notified that payments would start at the end of XX/XX/ and submitted my application in XXXX 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
All of these inquiries were not done by me and I have filed an identity theft report to the ftc. I request all these inquiries be deleted from my credit report immediately by law you have 10 days from this complaint to remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am seeing an inaccurate status on my XXXX XXXX XXXX Account # XXXX. It is showing 30 days late and it should say never late or paid as agreed. My other credit files show the correct payment status. only Transunion 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I obtained a new Bank of America Mastercard through Allegiant Airlines. I called the number on the sticker and cleared my number with the credit card company when I received it. Then I tried to purchase Allegiant Airline tickets and I was blocked. I called to have the block lifted, tried to make the same purchase, and was blocked several times more, called again, and finally was able to make the purchase. Then tried to make other purchases, but my transactions were again blocked. I checked my online account to see if any strange transactions had been made but was blocked. I called again and was kept on the phone for another 10-15 minutes. Finally I said this isn't worth it, I want to cancel the account. One of the operators I spoke with referred me to a " financial center, '' to which I physically have to report with " two forms of ID. '' The nearest bank of america is across town and I've already spent too much time trying to clear holds to make simple purchases. I don't have time for all this. I should be able to just cancel the account. I've spent so much time on the phone with these people.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX TransUnion, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX ) ( XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b. 
Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED GOODLEAP I was never late on XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XX/XX/2023 on this account please update the account as Paid/Current. 
XXXX I was never late on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested XXXX. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, 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 2023-12-11
Company: EQUIFAX, INC.
State: TX
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 SENT DOCUMENTATION TO THIS COMPANY THAT THIS ACCOUNT IS FRAUDULENT AND MUST BE REMOVED! THE COMPANY HAVE REFUSED TO ACT ON THIS MATTER. I KNOW MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681C-2A AND 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for a Verizon credit card, which is administered by Synchrony Bank. They declined my application, even though I have other credit cards through them and my credit is excellent. I provided them additional information. Date of application response is XX/XX/2023. I have sent them a written response via email.

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 2018-09-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
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:
I disputed this before and they are still insisting that information is accurate. 

In XXXX the company was not One Main Financial. It was Springleaf. I was not late with Springleaf. Their statement and response took place in XXXX. 
I had given them a check payment and wrong acct number was entered. So it came back. Then I replaced it immediately. I need them to show me written documentation that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
In response to CFPB complaint # XXXX, my name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy. I have attached a debt validation letter, a cease and desist, a copy of the account reporting on my ( XXXX, XXXX, and XXXX ) consumer report ( marked as Exhibit A through C ), Exhibit D which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labelled as Exhibit E when filing for litigation in Federal Court to this complaint. PRA stated, We sent our initial notification letter to you on or about XX/XX/2022, and We have no record of a request or dispute being received in relation to our initial notification letter. Pursuant 15 USC 1692g ( a ), ( b ), and ( c ) I have not validated any alleged debt with PRA. As of XX/XX/2022, I have never received any documentation requesting validation from PRA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PRA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. PRA states, In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving PRA any right to collect on this alleged debt. It is my belief that PRA are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deception forms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX has been on my report for 7 years still reporting. 

XXXXXXXX XXXX has been paid off.

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 2023-12-13
Company: EQUIFAX, INC.
State: MO
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:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

Company response to consumer: Closed with explanation