BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 hard inquiries on my credit reports but I didn't give authorization for my credit to be hit 6 times and its hurting my chance of a successful credit score. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 4 ) " Infringed upon consumer 's right to privacy '' 15 USC1b ( a ) ( 2 ) " No permissible purpose /No written instruction ''

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 2023-05-23
Company: EQUIFAX, INC.
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made more than 6 transfers from my Chase savings account to my Chase checking account in a statement period and Chase charged me a {$5.00} fee. I sent them a message through online banking on XX/XX/22 and told them I thought the transfer fee was unfair, because there are no more Regulation D reserve requirements and Chase bank doesnt provide a service commensurate with the fee that they charge. I did the transfer between accounts through online banking, so there was no service provided in exchange for the fee. Chase responded and told me they dont charge fees for transfers between Chase accounts, but do charge a fee for more than six transfers in a statement period ( which doesnt make sense ). So then I closed my Chase savings account and transferred the balance to my checking accountand they charged me another {$5.00} fee. I sent them a message on XX/XX/22 and basically got the same response from them. I think the {$5.00} fee for making more than six withdrawals from a savings in a statement period is a junk fee. Theres no point to it. Theres zero service provided in exchange for the fee, and Regulation D no longer restricts the number of transfers that can be made from a savings account in a statement period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: Credit Plus Inc
State: IN
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:
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a dispute against SYNCB/CARE CREDIT in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

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 2023-07-26
Company: Experian Information Solutions Inc.
State: IN
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:
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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-14
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, someone got into my Wayfair account, changed my password, and ordered some items. I got an email from Wayfair thanking me for my order on XX/XX/XXXX. I immediately called Wayfair and Citibank to report the fraudulent charges. All the efforts to resolve this issue over the past few months are outlined in a letter I sent to Wayfair Citibank Security Operations on XX/XX/XXXX which I have attached. The fraudulent charges have been removed, however, I was charged interest charges on them and continue to get late fees added. I never got any acknowledgment of this letter. Basically, they have finally removed the fraudulent charges, but continue to send me bills with interest and late charges incurred because of these charges. I have not had a legitimate charge from Wayfair since XXXX and that bill was fully paid. I have received phone calls, mailings and emails from Citibank trying to collect on these charges. Typically what happens is I get told to wait another billing cycle for the charges to clear and can't seem to get anyone to understand that these charges are all fees related to the fraudulent charges that need to be removed. On XX/XX/XXXX, I finally got transferred to an agent named XXXX that could clearly see that these charges should go away and she was able to remove the charges because it was a Saturday and she had that ability because the security folks don't work weekends. I was so hopeful, but when I got the XXXX bill, some charges were removed, but some weren't and another late fee was added! Called again on XX/XX/XXXX. After 4 transfers and 53 minutes on the phone, I spoke with a XXXX that again saw that the charges should not be on the card and she would " escalate '' the case. The XXXX bill comes with no changes and another late fee. Called again on XX/XX/XXXX. Get transferred to someone named XXXX who confirms my balance should be XXXX, that he gets XXXX of these calls a week about late fees and interest fees incurred on fraudulent charges that shouldn't be on bills, that he has a 95 % success rate on getting them removed by escalating them to the proper channels, and they should go away in 7-10 days. Well, its been 20 days and I am getting harrassed by Citibank through phone calls and emails to pay my bill. After at least a dozen phone calls, a drop in my credit score due to Citibank, and numerous promises that this will be resolved, I don't know what else to do. I have been told at least 3 times that my case would be escalated to the proper department to resolve this, but I can't see that that has happened. I even had one person from Citibank suggest I just pay the interest and late fees!

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Hard inquiries bellow are result of fraud : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX These items above should be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: OH
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/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Spring Oaks Capital, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spring oaks capital sent a notification to the credit bureau that the debt was disputed by consumer and verified. It's a valid debt. However they reported this without verifying the debt with me. Ive never heard of them before and have no reason to believe I owe them any money. 

They didn't send me anything to show they have a right to collect on this debt including transfer of ownership nor proof that they can collect in Utah as I requested. 

Also they were supposed to send me a letter outlining their process if a debt is verified. How payments are handled and then whether reporting continues, etc. They called me 3 separate times complaining I hadn't responded however I never received anything from them at all. The third call I gave a different email in case that was the issue. I had checked my spam but nothing from them at all. When I gave other email I was told their supervisor probably wouldn't want to put any more effort into trying to " help me '' but they'd see. 

Next thing they report the information that it was disputed etc as mentioned above. However never followed through number one with the information requested about their company 's practices as promised. But also never even verified the debt in the first place. They continue to call me several times a week and still are reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I sent a letter on ( insert date letter was sent to bureaus ) to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Printed on XX/XX/XXXX, Afni , Inc. sent me a debt collection statement. I opened said letter on XXXX XXXX. The letter states Afni is attempting to collect a debt that I owe to an XXXX XXXX XXXX account ( provided in photo ), claiming that as of XX/XX/XXXX, I owed {$980.00}. I have no account with XXXX XXXX XXXX XXXX nor have I ever ) and this company is trying to defraud me of a XXXX dollars. 
Further, I have received no correspondence from XXXX XXXX XXXX on such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a TD Auto Finance loan for 3 years with XXXX XXXX in XX/XX/XXXX. I wanted auto debit, but ended up with having invoice mailed, until bills started arriving on due dates or after due dates in XXXX, after complaining they put on auto debit in XX/XX/XXXX. I thought everything was fine until I received final payment notice in beginning of XX/XX/XXXX where I noticed I was being charged {$260.00} in late fees, I called TD on XX/XX/XXXX and was told I missed my first payment and was getting nowhwere and asked to talk to a supervisor, where I was told there was none working. I finally was called by a so called supervisor on afternoon of XX/XX/XXXX, and he said I closed the acct and reopened it-which made no sense whatso ever and he said I missed a payment and that payment was never made up so I was paying late fees every month. 1. I have never been contacted by anyone about payment missing-why? 2. I put them on auto debit -why was this payment and /or late fees not collected-as they could have done this at anytime. This is a way to increase their bottom line at my expense. On top of this, I mailed them the payoff after talking to my attorney and they cashed my check and took another payment for {$10.00} more than the final bill. Now they have extra money, I want it back and I want all late fees refunded with a letter of apology for their unprofessional business and stating the multiple lates were their error-If a payment was late they had 2 yrs or more to collect and chose not to so they could pile on the late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Bread Financial Holdings, Inc.
State: TX
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 rewards from credit card

Complaint:
I possess an Ultamate Rewards MasterCard which rewards points as the rewards for purchases. The points can be used towards purchases made at XXXX stores and XXXX XXXX. After the last monthly allotment of points my account had approximately a {$15.00} credit. During the checkout online for a purchase, I had to update my personal account with my new credit card number for payment of the purchase. The computer system then deleted all my accrued points and zeroed out my unused points. When I contacted XXXX customer service via email, A rep named XXXX said that my points will be held in limbo by the computer for 2 weeks and I can not use them for these 2 weeks despite my having been awarded these points already during the last monthly billing statement. I find this practice of holding points XXXX in the system a very deceitful practice and not customer service oriented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy for over a year and have disputed repeatedly due to the nature of account. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act which also has been violated.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete 1 ) Pofortlio Recovery Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation