BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-05-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2022 I made a purchase at IKEA for the amount of {$5400.00}, at the time of the purchase I made an application for an " IKEAProjekt '' credit card managed by COMENITY CAPITAL BANK, which was approved with a credit of {$18000.00}. Even though I set up an automatic payment from the beginning, Comenity didn't apply it. for which I had to reestablish it on several occasions, in which sometimes they applied it at the beginning only once or twice. they finally reported me to the credit bureau, damaging my credit, also lowering the credit card limit from {$18000.00} to {$2000.00} and they are applying an inexplicable amount of interest and fees even though the terms of the account is for 24 months without interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
As of today 's date XX/XX/2020, I just paid directly to Equifax to obtain a copy of my credit report. they informed me that they removed the inquiries in question but in the current report I just obtained they are all still listed. Also, I faxed a letter over to them at a number Equifax supplied to remove a 10 year Chapter XXXX bankruptcy from my credit report to which I have a letter from their sister company XXXX XXXX stating they have removed the bankruptcy from their ( XXXX XXXX ) database. I have attached all the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared.

I demand proof of a permissible purpose for the inquiry or account within my report. This letter is a clear indication that you have not fulfilled your responsibilities adequately. If this matter is not promptly resolved, there may be serious consequences. Therefore, I am granting you a 30-day period from the date of delivery to rectify the situation and ensure that all issues are resolved without the need for further intervention or escalation. Additionally, I request tangible evidence of the actions taken and an updated copy of my credit report. The claims listed appear to be inaccurate. Therefore, I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly DELETED from my credit report. 

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 I also would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that these credit bureaus are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU SO MUCH!

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 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX believes that Bank of America has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, Bank of America has cut off 8-years of payment history. I have attached a copy of the 1099C issued by Bank of America that was applied to my XXXX income taxes as a financial gain from cancellation of debt. Bank of America has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. Bank of America is violating its subscriber agreement with XXXX, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
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 2023-10-20
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving calls from XXXX XXXX for some time now and eventually got around to contacting them in order to make a payment. They informed me that I had an XXXX XXXX XXXX account go to collections and that the total due was {$750.00}. Upon receiving this information my first initial thought was to just set up payments. When I went to do so, they informed me that for each monthly payment they will be charging an additional {$10.00} processing fee for online/pay-by-phone payments. This brought up a concern as I am familiar with the FDCPA as well as the Consumer Financial Protection Bureau. " Section XXXX08 ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA or Act ) prohibits debt collectors from collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The Consumer Financial Protection Bureau ( CFPB ) issues this advisory opinion to affirm that this provision prohibits debt collectors from collecting pay-to-pay or convenience fees, such as fees imposed for making a payment online or by phone, when those fees are not expressly authorized by the agreement creating the debt or expressly authorized by law. This advisory opinion also clarifies that a debt collector may also violate section 808 ( 1 ) when the debt collector collects pay-to-pay fees through a third-party payment processor. '' After speaking to a manager there, she told me that they are fully allowed to add this fee and could not provide me a legal reason that this was accurate on conjunction with the Section 808 ( 1 ) that contradicts her statements. I then told her I was going to research the issue before making any payments. 

After this occurred, it made me question if the actual amount they were attempting to collect was accurate as well. Upon reaching out to XXXX XXXX XXXX as well as referring to my account, it shows that the total amount they have past due is XXXX. With XXXX. Solutions looking to collect {$750.00}, there is a {$200.00} added amount that was not part of the original debt owed. 

For a solution, I would like for XXXX. Solutions to remove the added fees so that the account balance remains in the amount of {$540.00}. Additionally, per the attached document relating to the full Section XXXX ( XXXX ), I would like the ability to set up payments each month without the {$10.00} processing fee being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I wanted to dispute the transaction on XX/XX/XXXX with XXXX XXXX {$55.00}. When I called Compass Bank, the first lady ( XXXX ) I talked to barely spoke English and she did not understand my request and explanation. She pretended that she understood, but switched to the second lady, XXXX. She was same and had a communication problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 says : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-26
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I purchased a cruise from XXXX XXXX scheduled to depart on XX/XX/XXXX, using my Apple credit card which is administered by Goldman Sachs. On XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX, XXXX XXXX  informed me that it was cancelling the cruise due to COVID-19 and I could choose either a future cruise credit or a full refund which would be paid in 90 days. On XX/XX/XXXX, I requested the full refund. I have not received any refund from XXXX XXXX and its website indicates that it does not know when it will be able to repay customers. XXXX XXXX XXXX While the company remains committed to honoring its contractual obligations, it is now on XX/XX/XXXX, 255 days from the date I requested a refund, well beyond what is reasonable for XXXX to refund my money. Pursuant to FTC rules, I initiated a credit card dispute with Apple/Goldman Sachs on XX/XX/XXXX, within 60 days that I was denied the service ( the cruise ) for which I had paid. On XX/XX/XXXX, the Apple/GS denied my dispute saying the merchant had given me a credit. They considered the future cruise credit option, which I rejected in lieu of a full refund, as a credit. I reinitiated the dispute, which was again denied in XX/XX/XXXX on the basis that the merchant had provided information that I had made the purchase. I reinitiated the dispute and yesterday it was again denied on the basis that the merchant had provided information that I had made the purchase. Each time, I have requested the information provided by the merchant and have received nothing. One CSR told me the merchant had provided no information. Moreover, I have never denied making the purchase. I never received the service!! I tried to again dispute the charge yesterday and I can not dispute it yet for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX with Chase Auto . 

Before the lease ended I applied for a loan to purchase the lease. 

The loan was granted and the XXXX dealership who handled this transaction mailed a check to Chase Auto to pay off the Lease.

The check was cashed by Chase Auto but they applied the check to the new loan that was a few days old and NOT to the lease payment.

The result is that I have been making payments against the loan, but the lease is now overdue because Chase never allocated the payment.

I have tried for 6 weeks to resolve and Chase Auto can not resolve my account to show correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2022-12-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 
1. XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 
1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/2016, Per the state of Florida Statue of limitation of 5 years for derogatory credit accounts. 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.

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 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX  The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XX/XX/XXXX : I placed an order for {$450.00} with the XXXX XXXX XXXXXXXX website. I used my Discover Credit Card. 

XX/XX/XXXX : I review my credit card statements and realize a ) I've never received the {$450.00} order and b ) I was never refunded the {$450.00}. 

I contact XXXXXXXX XXXX XXXXXXXX and they can see on their end that the {$450.00} transaction was " voided '' and agree that I should have received a refund. They even suggest to me to file a chargeback if I haven't received a refund. 

I file a chargeback with Discover and the dispute is NOT resolved in my favor. 

I spoke with XXXXXXXX XXXX XXXX afterward and they said that I should have been " made whole '' by this point by my credit card company. 

I have not been made whole by Discover. 

Even the merchant themselves state that I should have already been made whole. The merchant agrees with me on the facts of the case. Discover has not resolved the case in my favor despite written communication from the merchant agreeing with me. 

XXXX XXXX has agreed with me on the facts of the case, XXXX XXXX suggested that I file a chargeback with Discover, and XXXX XXXX insists that I should have been made whole by this point. 

This isn't a chargeback case involving disputed facts. This isn't a chargeback case involving a merchant at odds with the purchaser. This is a chargeback case where the merchant AGREES with the purchaser. I just want my money back.

Company response to consumer: Closed with explanation