BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
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:
Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to remove the following inquires on several occasions with no success. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I had a 12-month promotional plan through an Arhaus Archarge Comenity account. I had {$1100.00} remaining balance that I needed to pay by XX/XX/XXXX. Due to the pandemic, and reduced funds, I had to move around money and needed funds to clear. On XX/XX/XXXX, I paid {$1100.00}. Because I was one day late and {$52.00} short, this resulted in a {$1700.00} finance charge! 

I've been a loyal customer -- spent over {$10000.00} in one year, always paid on time and almost always paid more than the minimum amount. When I called the company, they said while they can waive late fees, they're unwilling to budge on the promotional charge. 

I find this charge extremely misleading. I should be able to designate online how much of my payments should be applied to which promotional plans. Instead, the company decided this for me and then charged me an outrageous fee. 

For example, on XX/XX/XXXX ( XX/XX/XXXX statement attached ), I made a payment of {$1000.00}. 

Comenity split up the payment by applying {$20.00} to a promotional plan due XX/XX/XXXX, {$250.00} to a plan due XX/XX/XXXX, and {$720.00} to a plan due XX/XX/XXXX. This wiped out the balance of the XX/XX/XXXX plan when I had 3 more months to pay off the balance. 

If I had been able to designate how to apply the payment, or had they checked with me ( the paying customer ), I would've instructed them to apply the highest amount to the highest balance, which is the plan they later charged me a {$1700.00} fee for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2018-06-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018 I made an electric payment of XXXX in error and can not retrieve my money. I have gone back and forth with both banks with no resolution. The payment was made electronically to XXXX XXXX by Santander and both report they dont have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NJ
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 a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have disputed this collection many times since it was placed on my report. 
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 2023-01-07
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2023, at the XXXX XXXX, TX XXXX Dealership, my husband and I went to a XXXX dealership to investigate buying a new vehicle. We told our salesman as well as the sales manager to only do a soft credit check and not to send anything off to any banks. After refusing to buy a car from their dealership, and 3 hours of waiting for some kind of offer on paper, we asked for our keys back to our trade in, and to cancel any proceedings. As we felt we had been treated poorly, and informed them we would be going to a different XXXX dealership with better customer service. After informing us of my fico score of XXXX or so, 2 hours after we left, I received multiple notifications that our questions and personal information had been forwarded to every bank they do business with, against our specific instructions, and without our knowledge to make it harder for me to purchase a car even from another XXXX dealer. It was done out of spite after refusing to buy from their location.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Date it was open : XX/XX/2015 Amount : {$9300.00} Actions : I have been called multiple times, after being dress I informed them not to call me. They insist on calling me all hours of the day. This that was due to nonpayment of rent, because we apartment I was in had a leak in the roof causing the wall to mold. I have email after email showing that the property manager said that it was going however the issue was never truly take care of. I informed her and corporate that I would not pay my rent until the issue has been resolved due to the fact that the inhabitants was on livable because of the mold. I spoke with corporate on the phone and was told it would be taken care of, however it has not been. Considering it is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened a walmart Wal-Mart store credit card XXXX XXXX. They decided to change my card on XX/XX/XXXX to a Wal-Mart MasterCard. I checked my credit report and it is showing up as a new account. I never gave walmart permission to do another hard inquiry on my credit.So my credit score dropped a few points. I never knew it was legal to rerun credit without permission. I never asked them for a credit limit increase or anything. It shows that this is a new account and it is not. I tried contacting Wal-Mart earlier today and it would have been more effective to talk to a brick wall The attached files are just an example of one of my credit reports. I don't think i need to upload all three for them to understand why i am not happy

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 2022-11-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My husband and I got a consolidation loan to pay off credit cards and started a new checking account with the bank that loaned us the money. My husband went and and paid several cards but made a mistake by adding an extra 1 at the beginning of the account number because we didn't have that account number and he called the bank but accidentally wrote it down wrong. He discovered that he made a mistake after none of the payments cleared. So when the balance showed back up, he then immediately paid the cards he made the mistake on. He then paid them off. The first payments were made XX/XX/XXXX and just today, XX/XX/XXXX we received letters stating that they closed the accounts because we are high risk for payment. So we paid off {$20000.00} on three accounts, Sam 's Club, JC Penny 's and Lowes all with Synchrony Bank. I called Synchrony and they were indifferent and actually quite callus. Took no effort to look at what happen which would have shown we fully intended to make payments but just made a mistake which we corrected. So now my credit report is going to say they closed the account because I am high risk. That is totally unfair.

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 2022-07-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan is advertised as 12 months interest fee with a 24 month term. Before making the purchase and agreeing to the terms presented online, I thoroughly read the information. No where did it explain the 12 month interest free period and how the finance charges would be calculated. I called and spoke to 2 company representatives at Citizen 's One on XX/XX/XXXX and again on XX/XX/XXXX to ask if there would be an early payoff penalty if I paid the loan within the 12 months interest free period. They said there wouldn't be but also could not point me to anywhere in the terms where the promotional period was explained in writing. Trusting that their information was correct, since I heard the same from XXXX different people, I made the purchase on XX/XX/XXXX. I paid the loan in full XX/XX/XXXX. After the payoff, I noticed they sent me another statement with a balance. I called and talked to multiple people ( XXXX and XXXX ). They opened ticket XXXX. I never heard back from the company, all the while more fees were accruing. On XX/XX/XXXX, I called back and spoke to XXXX. He said I had to pay the amount owed and the interest was correct. The company never disclosed this and the website where I bought the treadmill advertises as 12 months interest free. Citizens One is not properly disclosing the interest calculation and I feel cheated and lied to about the offer. I would have certainly met any deadline had they disclosed properly in writing as I believe is required or at least explained it correctly when I spoke to them. Their information : Citizens Bank XXXX XXXX XXXX XXXX  XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: NC
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXXXXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX  The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single tme I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$610.00}

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
At the end of XXXX of XX/XX/XXXX, I purchased dance shoes on XXXX for my daughter, 3 times total due to the sizing. The first two pairs were returned, we kept the 3rd pair. I received a refund for one of those in my bank account but the other refund that XXXX did process never reached my bank account. I reached out to XXXX towards the end of XXXX to report the issue. I spoke with XXXX on several occasions and they stated the refund was sent to my bank account when they sent me a confirmation email stating the refund had been processed. They stated it is now out of their hands and up to Bank of America to locate the refund. I provided Bank of America with the transaction ID that XXXX stated usually helps them locate the refund in situations like these and I also forwarded Bank of America all of the emails from XXXX showing that they did process the refund. I even called XXXX with a BOA supervisor on the phone and he was able to hear XXXX state that they did process the refund. However, whenever BOA calls XXXX on their own, BOA reports back to me that XXXX states the item was never returned which is bizarre because I have proof that it was, proof that XXXX sent the refund and XXXX has never stated such a thing to me, ever. I escalated the issue to the XXXX  around XX/XX/XXXX. They were able to get XXXX XXXX from the Regulatory Complaints Department to reach out to me. She called me on XX/XX/XXXX @ XXXX. However, she called on my birthday and I completely missed her call. I called her back immediately the next day, left a voicemail and called a few other times and did the same during the month of XX/XX/XXXX. XXXX never once returned my call. I even had the XXXX  reps I was working with reach back out to XXXX to return my call and she still did not. Instead, she just closed my case once the XXXX  started reaching out to her. I had requested that BOA and myself conference in XXXX like I did in XXXX so this could be resolved but this request fell on death ears and I just kept receiving the same response that I didn't return the item. The XXXX  closed my case in XX/XX/XXXX, stating the issue had been resolved in the customer 's favor which was not true at all.

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 2020-06-18
Company: CORELOGIC INC
State: CA
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:
There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, CREDCO XXXX XX/XX/2020 ), XXXX XXXX XXXX ( XX/XX/2020 )

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 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a payment to XXXX XXXX through my Bank of America Checking account on XX/XX/2018. The funds were taken from my account. Later on that day I had to overdraft my account from a BofA atm. I was charged an overdraft fee for the atm withdrawal, which I agreed too. I was also charged a fee for my XXXX XXXX Payment which is very unfair. They say that it is because of the order of charges onto the account, although the funds for my XXXX XXXX payment was already taken. It is very unfair for BofA to rearrange the order of transactions and charge an additional overdraft fee.

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 2023-03-30
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2023 I received in the mail a prepaid XXXX from XXXX. I did Not and I repeat did NOT request or open an account. This is a fraudulent account that needs to be closed as soon as possible. When I received this card I tried calling the toll free number for XXXX, but I did not get any response. Let me repeat, this account IS fraudulent and should be closed.

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