BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Northstar Location Services, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I pay my bill every month it is due on the XXXX and I pay before.I continously get phone calls from XXXX at XXXX XXXX location, every day starting on the XXXX of each month except weekends from her telling me.to return her call.She had asked me previously if she could call, I told her no unless my bill wasn't paid by the XXXX, which it has.However she continues to call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've taken a look at my credit report, and I've noticed some fraudulent accounts listed. Please review the attached information for your reference.

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 2023-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX  for 5 years. During that time we were told to keep trying for a modification. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we were forced to short sell our house. During this process we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we and our children went through during this time, we lost it all in the end. We will probably never be able to own a home again. The irony is 2 years after we short sold our home, someone called from Wells Fargo to follow up on our modification application. This whole time of our life was just surreal.

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 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Credit Card Statement showed that the prior period 's balance or " Statement Balance '' was paid in full/excess.

New charges for the current period were treated as an outstanding balance and charged interest. The charges should not have been accrued on the Statement Balance and subject to interest until the next period.

After calling the company the representative reviewed the statements and agreed that interest should not have been charged as the current due balance was fully paid. The representative agreed to reimburse the interest charged to the credit line.

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 2022-05-26
Company: Chime Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Transaction date : XX/XX/2022 XXXX XXXX  PDT Amount : {$150.00} The fund was not transferred immediately as promised, it stays in the processing status. The company doesnt have options for us to cancel the transaction and for the funds ti be available. Their answer is always the third party is causing the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Account charged off. {$120.00} written off. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$17000.00} written FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX 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 2022-05-26
Company: Experian Information Solutions Inc.
State: TN
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 A FRAUDULENT ACCOUNT LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.

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 2018-11-15
Company: Experian Information Solutions Inc.
State: CT
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:
I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from XXXX XXXX. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through Experian/the 3 major credit agencies. I did just that and Experian said " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from XXXX XXXX from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted XXXX and Experian and neither one was able to resolve this.

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: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: TX
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 reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.

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 2022-12-03
Company: Porsche Financial Services, 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 credit Reporting act Porsche financial/XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I submitted other requests to both Trans Union and XXXX to have the three accounts from XXXX XXXX XXXX removed from my credit report. These accounts are company accounts and are not personal. XXXX XXXX XXXX has responded that XX/XX/XXXX theyve updated and should be removed however Trans Union and XXXX continue to keep them on my credit report stating that they were verified. That is in complete disregard for the verification that XXXX XXXX itself has given me and has given CFPB in the complaint filed against them that I have attached hereto.

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 2023-01-30
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: PA
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:
I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX  XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.

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 2023-05-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is so radicals. Despite the fact I told them numerous times, thats its not my debt and stop reporting it on my credit, they keep posting the same XXXX over and over. When I am trying to make a major purchase in my life, to buy a car- I have been going through XXXX to get an approval because these XXXX people just dont get it. I have been trying to purchase a car to make my life little better, a single mother of 2 XXXX, struggling to get better myself and my kids life. These companies have no empathy or common sense to even reconsider their stupid errors. I tried it all and idk what else but I need this XXXX off my credit. Excuse my XXXX but this is how frustrated Iam not being able to buy a car or better anything in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-16
Company: SYNCHRONY FINANCIAL
State: WA
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/XXXX, the XXXX XXXX as cancelled and as replaced with a Synchrony XXXX. The {$81.00} balance I had on my XXXX XXXX should have been transferred to the new XXXX. It wasnt. 

So, via the XXXX account payment link, I paid the {$81.00} outstanding balance on XX/XX/XXXX. But it wasnt credited toward my account. It was credit toward the new account. Synchrony said theyd fix the issue. They didnt. The balance remained. 

I again paid them {$81.00} toward the XXXX account on XX/XX/XXXX. And once again, they credited the payment not to the XXXX account, but to the new card. My balance on the XXXX account remained at {$81.00}, but XXXX  promised to fix it. They didnt. 

So in XXXX I tried something different. My balance remained {$81.00}, with a minimum payment of {$29.00} due on XX/XX/XXXX. I paid {$29.00} on XX/XX/XXXX. It again was not credited toward the XXXX card, but the new card. I paid them {$29.00} again on XX/XX/XXXX. Same thing happened- it was credit toward the new card, not my XXXX balance. 

I contact Synchrony on XX/XX/XXXX and am assured I wont be marked as having a late payment. Well, its XX/XX/XXXX, and despite me paying them multiple times, more than the minimum, theyve marked me as having a late payment. They also deregistered my XXXX account. I can no longer login to see the balance ( which still stands at {$81.00} despite my many payments ), and I also cant login to even attempt to pay it off. 

The account has been closed for many months. I no longer have access to the full CC number, so I cant even attempt to reregister this account. 

I have never made a late payment on any credit card account in my life, and Im very upset by the way theyve mishandled this. If they dont correct it by XX/XX/XXXX, they will falsely report a XXXX  day late to the CRAs, unjustly impacting my credit, and this will become a FCRA violation. 

I want this issue fixed before we reach that point.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have reached out to the credit reporting agencies multiple time about the XXXX XXXX XXXX XXXX being on my credit report. I stated clearly where fraud and breach of contract occurred from the onset of the contract. I also stated my issues with the repossession, I was never notified of the disclosures that were to be supplied to me in accordance with UCC 9 and the unlawful late payments placed in my file, which is in violation to 15 USC 1666B, nothing was done and this account is still showing up on my report. I contacted XXXX  XXXX as well and the only follow I received was letter from someone at the company stating they were not responding and they deny every thing I brought up to them.

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 2023-03-05
Company: Experian Information Solutions 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:
Experian dinged my Credit report for inquiries, there are four on my account and after the two years have lapsed, they are not removing them and placing the points back on my account tha they took from me.

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 2022-02-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Quite honestly the only reason we decided to give Huntington a shot was because of their promised sign on bonus. It said that if we signed up and had a collective total of {$1000.00} or more direct deposited into our account within 60 days, that after 90 days we would receive a {$150.00} bonus. We have far surpassed the requirements and after multiple phone calls and messages, I have come to find that was a complete lie, and Huntington isn't willing to abide by THEIR agreement. Every representative asked for a bonus code... THERE ISNT ONE. The link is still on their website and explicitly states that the only way to get the bonus is to follow that link. No code. It doesn't give you one. I have a screenshot. This is beyond unacceptable - I've already had to file a complaint against Huntington for holding a check under false pretenses ( tried to say we double cashed it, when we most certainly did not ) and making our mortgage payment bounce. Give me what you agreed to or I will have no choice but to get my attorney involved and rake your company over the coals for every lie you're worth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Your form did not offer the option that accurately covers my dispute. I noticed an unexpectedly charge of {$24.00} from Transunion on my general credit card. I called the number on the credit card charge. The help person seemed to know why I was calling before I could really explain the issue ( like I was the 10th person to call with the same problem ). The help person quickly canceled the identity theft policy that she said I had and was the purpose of the fee of {$24.00}. I had to ask for a refund of the fee already charged to me since it was never authorized. She gave me the refund so my problem was solved. 

BUT, it is predatory to extend my identity theft coverage by charging the fee with no notice. According to Transunion, I had this protection beginning in 2018 which was free, probably given to me from some firm whose data was exposed. Presumably, it ran out after 5 years but Transunion should never have charged me to extend the coverage without notice. Transunion should have their hand slapped severely for their 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 explanation