BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-27
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:
I attempted to Register with XXXX XXXX via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized XXXX XXXX in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with TransUnion, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of TransUnion when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas TransUnion has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 2023-06-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-05
Company: CITIBANK, N.A.
State: TX
Product: Credit 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:
On XXXX XXXX, XXXX, my wife XXXX XXXX and I checked into XXXX XXXX XXXX  in XXXX, OK on an XXXX 3 day reservation she had booked. We paid with my Citibank credit card # XXXX for {$420.00}. 

Several hours into our stay XXXX called us to say we must leave immediately. Apparently because of my past criminal history I'm not allowed to stay at an XXXX. So we left. The hostess assured us along with the XXXX representative that our money would be refunded. 

We never received a refund. I contacted Citibank to file a dispute. XXXX then replied to Citibank sending them a copy of the contract. Citibank refused to reimburse me. I never got to stay at the XXXX XXXX XXXX so why is XXXX allowed to charge me if they kick my wife and I out. 

I will to be reimbursed my {$420.00} from XXXX that they stole from us.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXXXX/XX/XXXX XXXX XX/XX/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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the XXXX XXXX XXXX  and identity theft gov and I demand this account be removed immediately from my XXXX, Transunion, and XXXX credit report or I will pursue legal action.

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 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America refused to communicate with my attorney ( who I was forced to hire because they also refused to communicate with me ) for over a year to negotiate a mutually beneficial and reasonable settlement on the balance I owed them on their credit card. BoA has incorrectly reported delinquency dates and balances to all three credit bureaus for the past XXXX years even though I closed out the account in XX/XX/XXXX. This malicious reporting needs to be removed from my credit report immediately as it is preventing me from qualifying for a mortgage.

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 2024-01-05
Company: Atlanticus Services Corporation
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with Fortiva Retail Credit inXX/XX/2023 with an original purchase of {$13000.00}. My first statement closing date was XX/XX/XXXX and I set up automatic payments. Fortiva immediately had trouble pulling the autopay and the first payment I made on XX/XX/XXXX got reversed on the XXXX. I didnt know about it for a few days after that so I made another payment manually on XX/XX/XXXX for {$1200.00}. That payment posted correctly, but then they drafted {$1200.00} again on XX/XX/XXXX. I complained about the double payment and asked them to refund the second payment but they refused to do so. That second payment should have been applied to the statement date ending XX/XX/XXXX but they didnt apply it correctly, so then they send out a XX/XX/XXXX statement charging me a {$30.00} late fee plus interest. 
I complained about the late fee and interest and they agreed to refund the late fee but they didnt refund the interest charge. I made a {$1200.00} payment manually on XX/XX/XXXX but then they autodrafted it two more times that month for another {$2400.00} which they refused to refund, so the XX/XX/XXXX statement shows three separate {$1200.00} payments when I only made one. 
Then they sent out the XX/XX/XXXX statement showing my {$1200.00} payment on XX/XX/XXXX but they still charged a {$41.00} late fee plus additional interest. 
I have four billing statements in front of me, showing payment due dates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each month a single {$1200.00} payment was supposed to have been made, so I should have made {$4800.00} in payments so far. But because of Fortivas incompetency with processing autodrafts and their refusal to fix problems that they created, they have now charged me {$7200.00} in payments over that time period and theyve charged me a {$41.00} late fee plus {$0.00} interest. 
Their payment processing system intentionally drags out the posting process to trigger a late fee. I scheduled my XXXX payment on XX/XX/XXXX and the email I received from them shows it would be applied by XX/XX/XXXX. The statement they sent me for that month shows they didnt actually post it until XX/XX/XXXX, which triggered a late fee. 
The same thing happened the month before. I scheduled my XXXX payment on XX/XX/XXXX ; the email from them says it would be applied by XX/XX/XXXX ; they didnt post it until XX/XX/XXXX. 
This company is scamming customers and providing lousy customer service in response to issues they cause. 
I will get this account paid off as soon as possible so I never have to deal with them again, but I want their treatment of my account and others like it investigated. Their business practices are shady and underhanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit 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:
Last month I discovered that Synchrony/Amazon charged off an account for {$370.00}. The account number ending in XXXX. The last record I showed paying them {$130.00} in XX/XX/XXXXXXXX XXXX Apparently there was a balance remaining of {$67.00}. The last statement they provided me was for the billing cycle from XXXX. Since then, Synchrony/Amazon did not send any monthly statements nor any late notices nor demand letters letting me know the account was past due and that they were planning to charge it off. They simply charged it off affecting my credit negatively. I contacted them directly and they could not provide me with any additional information. I was referred to a collection agency. I contacted the collection agency and 18 days later ( today XX/XX/XXXXXXXX  ) I received the statements and I'm disputing the accumulated late fees and interest on the late fees totaling {$370.00}. As I look through the statements provided today, they have been charging a {$40.00} Late Fee and Interest on the balance of which includes late charges since XX/XX/XXXX at the rate of 29.99 %. On the statements provided today, it shows a very misleading and erroneous description of " INTEREST CHARGES ON PURCHASES '' for every month since the problem began. This company is a predator and they don't care about the consumer one bit. They are happy collecting late charges without providing the consumer due process to rectify an oversight on my part by not paying the balance in full. Instead, they simply charge it off and refuse to deal with the consumer past that point. If you look at the history on this account, you'll see that for a period of two years or so, I paid the balance in full every month.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is to all 3 credit bureaus ( Trans Union, XXXX, XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I have demanded that these items be removed/deleted from my credit report.15 U.S. Code 1681 - Congressional Findings and Statement of Purpose.15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this 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 explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX and XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX and XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2022-03-08
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a home in NJ. Claim # XXXX ( XXXX XXXX XXXX, XXXX NJ ). My house sustained a house fire on XX/XX/2021. My insurance proceeds were sent to Fay Servicing to hold in escrow. Fay released 1 initial payment for {$26000.00}. After the funds were used and the initial demo was complete, I requested an inspection. A 3rd party inspector came to the house to take pictures and conduct a walk through. 2-3 Days later, I verified via XXXX  that my inspection failed. I contacted Fay to verify why I failed. I Could not get an answer from the representative I spoke to. No explanation as to why I failed or what additional repairs need to be done in order to pass the inspection and recieve additional funds. A few weeks pass no money, no explanation letter etc. I invested XXXX of my own money to pay for the installation of new windows, doors, wood work on the exterior of the house, permitting and engineering plans. I then contacted Fay again to have another inspection once that work was complete. The inspector came out to take photos and completed a walk through. 2-3 days later, I verified via XXXX that I failed the inspection for the 2nd time after investing my own money into the property. I again contacted Fay Servicing to verify why I failed the inspection. I was informed that there were required documents that were not submitted online. I then informed the representative that those documents were submitted in XXXX. The representative located the documents and also informed that my account will be escalated to the main office requesting additional funds which will take 5 days to complete. I have been calling every day since my account was escalated, no answer, still pending. We are on day 8 now with no answer as to why I have not received additional funds. Fay claims they have tried to call me but my phone is busy. Cell phones are never busy, they route to voicemail when on the phone. I have my phone in my pocket at all times, I never miss calls. NOT 1 TIME HAVE I RECEIVED a call from them. They are having an issue with their outbound calling. I was previously informed by one of the call center representatives that 50 percent of repairs need to be done in order pass the inspection. I am not sure how 50 percent of repairs can be done with {$26000.00}. Meanwhile, I contacted Fay Servicing approx 30 times with no explanation as to why funds arent being released. In addition, I've requested to speak to a supervisor 3x but yet to receive a returned call from them. Every month I am making a {$2300.00} mortgage payment for a house that is sitting vacant for 1 year now and Fay Servicing is witholding my repair funds. I have been asking for additional funds since XXXX. It is now XXXX, no answer, no funds, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My husband passed away on XX/XX/XXXX. For the next 11 years I paid my mortgage to Bank of America. Prior to his passing my husband filed a quit claim deed and a will so that there would be no problem with the mortgage. In XX/XX/XXXX I fell behind due to XXXX related hardships. Since XXXX, XXXX I have been attempting to get Bank of America to add me to the loan. I was told to send in a letter explaining I would like to be added to the loan, the deed, the will and a death certificate. Since XXXX I have sent these documents XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time a call was made to confirm receipt - we were told the documents were received and the loan was updated to show me as a borrower XX/XX/XXXX by XXXX ID XXXX, XX/XX/XXXX, XX/XX/XXXX by XXXX XXXX, XX/XX/XXXX. Each time the documents are sent I will be told they are there then the next time I call I'm told it is a different department and I need to send there. Today, XX/XX/XXXX I spoke to XXXX XXXX who told me that no documents were received and I had to start over and the documents can only be mailed to XXXX XXXX. When I asked why the departments do not share information or documents I was told they don't. When I asked to be transferred to the correct department she said she does not have the number. Also, I was told I had to " register '' the will. I went to my county 's website and tried to register it in Official Records and BOA called and told me I need to go through probate and hire a lawyer. I can not get a straight answer of what I need and everything I send in gets lost for over 10 months 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 explanation