BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: DISCOVER BANK
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
{$100.00} My health insurance company has charged me twice for the premium for the month of XXXX, XXXX One dated XXXX and the other dated XXXX. 

On XXXX I asked a supervisor at discover Bank 's disputes department to specifically dispute the charge dated XXXX. I also told the supervisor not to dispute both charges because the charge dated XXXX is correct. 

Then why did you dispute both the charges?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2020-06-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I submitted an online request to XXXX XXXX XXXX XXXX to transfer {$3000.00} to my XXXX XXXX credit card from my XXXX XXXX XXXX credit card as part of a HSBC balance transfer promotion. 
I received a letter from HSBC dated XX/XX/XXXX that the transfer did not go through to XXXX XXXX, and that the {$3000.00} would not be charged to my account and any transaction fees ( {$120.00} ) would be refunded. I spoke with XXXX XXXX, and there is no record of any transfer from HSBC. 
It has been 14 days since they put an erroneous {$3000.00} charge to my account, and nothing is being done to remove it. I have spent hours on the phone with HSBC customer service in an attempt to have the {$3000.00} removed, and they have not done so. I have been told repeatedly that I will be notified when the debit is removed, and no one returns my calls. In the meantime, interest is accruing on the {$3000.00} that HSBC says that I owe them, and the additional debt is impacting my credit worthiness. 
Please notify HSBC that I have filed a complaint and want this issue resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX - Car loan was paid off in full to Truist Bank XX/XX/XXXX - Loan was transferred to XXXX XXXX ( according to bank ) XX/XX/XXXX- Not having received my title, I tried accessing my account and discovered I could no longer access. I then called the bank to inquire about when I was going to receive my title, and was told they would create a case number and to check back in a week. XXXX weeks later, I called back and was told they were still working on it and they provided a case # and to call back in a week. 

XX/XX/XXXX - I received an Affidavit By XXXX  XXXX XXXX from Truist Bank, signed by the bank and witnessed by a Notary Public, confirming the lien was satisfied. I called the bank to ask about the title and they told me the process was stuck at Arizona Department of Motor Vehicles but to call back in 14 days. 

XX/XX/XXXX - I called the bank to ask status of the title and they assured me someone was working on it and to call back. I tried getting a contact name so I could call directly. They provided a first name, but could not give me the last name because of policy. They also told me they had no direct numbers to the people I had worked with before. 

XX/XX/XXXX - Called bank to get status, they advised it was still stuck at AZ DMV, told me to call back on XX/XX/XXXX. 

XX/XX/XXXX - Called back to get status, bank advised they were still working on it. I requested to speak to a supervisor. They gave me a the supervisors first name and told me they would call back. The supervisor called me back but the call dropped and I was not able to talk to her. She left me a voice mail, explaining they opened a new case number and that I should call back within XXXX days. By coincidence, I checked my mail and found another notarized document from XXXX, dated XX/XX/XXXX. This time it was entitled, XXXX XXXX Texas XXXX XXXX, but the vehicle description was wrong, the XXXX had an extra digit, the title number was different, preparer was different. I called the bank back to tell them about the XXXX conflicting Affidavits, and advised I wanted to file a complaint the story Im getting is inconsistent. They told me that they would file a complaint for me ( another case number ). 

Ive never made a late payment and paid my loan in full. I learned that I should be receiving my title XXXX days after loan is paid off and its been almost 6 months and I still dont have it. Im going to file another complaint with XXXX also because I feel this is wrong and am worried I may never get my title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I took delivery of a XXXX XXXX XXXX from XXXX XXXX in XXXX, MA. The sales person drove away with my XXXX XXXX and I thought the transaction was done. 
At the beginning of XXXX, my banker called me to tell me I was on the overdraft list. It turns out XXXX XXXX had never paid off my loan. 
When I called to inquire, they accused me of not replying to them with payoff information. Payoff information was provided XXXX in order to conclude the financing. 
When I reported it to XXXX ( case number XXXX ) they found that the dealership had mis-entered or left blank my contact information. I requested payment for the overdraft charge and additional interest, and this was received. 
The loan was finally paid off with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I entered the XXXX XXXX of XXXX on XX/XX/XXXX and spoke with XXXX. I asked if a conversation could be had to get back the 2.9 % interest rate that I had enjoyed with the bank prior to payoff. ( My rate with XXXX is 6.5 % - due to a bankruptcy 10 years ago, I always pay a higher rate until I refinance ). I was told I had to reapply and the loan would now be at 17 % based on my credit score which dropped XXXX points due to the inquiries done by XXXX and their failure to payoff my loan. 
I continue to monitor for this to be reported, but as of today, 20 days later, it has not. I have been working hard on my credit and income the last year and a half to purchase a house, and now those plans are on hold until I can get back to the XXXX score I had before.

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 2023-06-20
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me at LEAST every hour on the hour every single day and if it is not every hour sometimes it is multiple times in a row. For example : they have called me 4 times within one minute. On top of these excessive phone calls, I also receive several texts per day and several voice mails per day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, funds were transferred into my account from an unknown external account ( $ XXXX ). A transfer of {$2500.00} was then transferred out to an unknown external account. Neither of these transactions were initiated by me. On XXXX, I received an email from an unknown person claiming they were the ones who transferred money into my account and asking for a reply if I wanted to be a part of their plan to get more money. On XXXX USAA determined no fraudulent activity was found and because of this, my account is in bad standing and they now get to profit off this. I have no idea how my accounts were approved to be added to an external account or how the determination was made that this was somehow my problem. USAA has failed to support its member when fraud is involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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: Information belongs to someone else

Complaint:
On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the 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 2021-05-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I asked for help in how I could go about lowering my monthly car loan payment from XXXX a month due to hardship with my employer. In XXXX my employer, from full time to part time but unknown for how long. I pay my car on time but they say I dont qualify.

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 2022-10-17
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:
It has been drawn out into the open that CREDIT BUREAU is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXXI TOTAL V 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 2022-09-10
Company: Experian Information Solutions Inc.
State: GA
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 reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's 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.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: CT
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-09
Company: FinCo Services Inc DBA Current
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Deposited a check in the amount of {$690.00} from my XXXX on XX/XX/2023 to my Current/Choice XXXX XXXX account XXXX Today is XX/XX/2023 and I am told my funds will not be available until possibly XX/XX/2023. The check is good and it was an emergency withdrawal from my XXXX. I was told Reg E is not followed by this bank for deposits and only disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2016, while I was in XXXX XXXX, under the age of XXXX, a legal guardian put my name on the gas bill without my consent. I tried to reach out to the company and they explained to me that I would have to pay the debt since it was in my name. Upon further research I discovered that the company L J Ross Associates , Inc. Is not licensed to collect in Illinois XXXX This is not my debt, and the collector is not authorized to report this on my credit profile.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
https : //www.experian.com/consumer-products/experian-XXXX-credit-report-and-score.html I purchased a one-time fee of {$39.00} for 3 credit reports. I was subsequently erroneously charged {$23.00} for the two following months. 

I spent an hour on the phone with an Experian-rep who wouldn't provide a way to identify herself, gave me false information, wouldn't transfer me to a supervisor, and wouldn't take my complaint.

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