BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXX 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXX XXXX proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX  - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX XXXX XXXX, and TransUnion . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness.

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion.

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices.

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These inquiries was created on the listed dates and is not a open account on my credit 15 usc 1681b permissible purposes please send me the documentation that u have use to open these 3 accounts and the documentation with my signature on them that i applied for these accounts 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 2022-10-26
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, this complaint is against my Union Bank Credit Card for false or misleading program information in regards to Covid-19 assistance due to hardship on two separate occasions. This has now resulted in two late payments on my credit report, as well as a " hard credit check '' ( even after I verified with the rep on the phone that it would be a " soft check ''. 

1st Instance : In early XXXX, I received an offer by email indicating that if I'm having any financial issues as a result of Covid-19, that I could request payment deferment for 3 months via the Union Bank Credit Card website . I filled out this form, and received an on-screen confirmation that I can skip my mininum payment for 3 months without any adverse credit reporting, or late fees. Two month later, I was hit with a late payment on my credit. I called and spoke with Union Bank, and they rep said they had no record of my online request. 

2nd instance : I received a letter from Union Bank dated XX/XX/XXXX, stating that if I was impacted by Covid-19, to contact union bank for flexible relief programs. I called Union Bank and spoke with " XXXX '' or " XXXX '' on XX/XX/XXXX. The rep said that no such program exist ( even though I received a letter from union bank stating such a program exists ). The rep then took a payment from me to avoid a late payment. He rep also said they can run my credit to see if they can help in any way. I told the rep that I would only consent to a credit check if it was a " soft check '', and not a " hard check ''. The rep verbally confirmed that it would be a soft check. Today ( XX/XX/XXXX ), I was hit with a late payment, and a hard check on my credit. The Union Bank rep completely LIED, and the Union Bank letter contradicts what he told me about relief programs. 

Union Bank 's credit card division is not truthful, any Covid-19 related relief programs they advertise to customers are never actually available ( I can provide a copy of the letter they mailed me to advertise Covid-19 relief ). The phone rep completely lied. Please help. This has damaged my credit, and created a hardship situation. 

Thank 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 monetary relief
Consumer complaint received 2023-11-29
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Many years ago I opened an account with my mom and the signers of the account were set up as herself, myself, sister, brother, and my uncle, her brother, at PNC bank. This account, with these signatures, was in effect for about XXXX years. Over a year ago my mother was setting her affairs in order because she was declining in health and she was not able to go into the bank. She and her lawyer entrusted me to take everyone else off of the signature card ( my uncle was already deceased ) except myself who was named trustee. This was to ensure all money in her account would be used for expenses and the trust, and there would be no question about who had access to it after her death. 

To achieve this, I went into PNC to let them know that I was the Power of Attorney ( I submitted this paperwork to the bank ) and I wanted to take everyone off of the account except myself who would be made trustee of the estate after her death. I waited over two weeks to get the OK to come in and sign a new card. I signed this card... thinking that they were making me the sole signer of the account. The day my mother passed, XX/XX/2023, I went into the bank to withdraw money from the account to pay for her funeral, and they said that I did not have access to her account when she died because I had signed as a POA. I asked to see the card that I signed and it DID NOT say POA, it had 3 initials next to it that I had no idea what they meant. The bank representative said that meant that I was her POA and at that time they froze her account. I had my lawyer contact the bank and, the corporate office contacted me several times, and after someone at the corporate office admitted they didn't even know what those 3 letters meant, and that I was unaware that I card I was signing was to only be her POA not to be a signer of the card. I am sure this call was recorded when he admitted it. Even with that being said, he informed me that her trust nor myself could not access the account. ( I was the one who opened the account with her, I was the one who was on it for 20 years AND I was the one who went in to change the card to be the only signer. 
MONTHS went by and PNC said we would have to go to probate. 

I and the trust 's lawyer went to court XX/XX/XXXX and the judge ordered the money to be put in my mother 's trust. I brought the papers over to the bank the same day and they said it would be XXXX days. It has now been a month and the bank still hasn't turned over the money to her estate, even though the court ordered this. In addition to this they will not give a phone number or person to contact even after repeated emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am refilling this complaint is for TRANSUNION. I sent them communication letters several times regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
THE ITEMS LISTED ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!

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 2023-07-13
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I don't not have a navy Federal credit union credit card. It's showing up on my credit report as a authorized user. I don't know who the primary cardholder or how they got my information to Even add me to thier account... Please remove me asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Greetings, I have been a Bank of America customer for over 20 years. I have a checking, savings and two credit cards with the bank. Approximately two months ago I noticed that a new credit card ( specifically a XXXX XXXX XXXX credit card ) had been applied for and opened in my name without my consent. I immediately contacted the bank, and the account was closed. However, due to the breech I paid for credit monitoring services. I now realize that BofA opened this account without my consent. The bank had informed me that they would send me a copy of my application for the credit card. This was never received. I would like to be compensated for the dip in my credit score due to the new card being opened and the cost of the credit monitoring. 
Thank 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 2023-07-11
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
On XXXX XXXX XXXX  I attempted to make a early payment on my Synchrony XXXX account ending in XXXX and found out the account had been closed! Please understand, I opened this account in XXXX and never had any late payments, with a credit limit of {$4500.00} and {$480.00} balance, as of my contacting Synchrony. I was informed that they reviewed my account and Synchrony Bank decided to close my account based on some information they received from XXXX XXXX XXXX XXXX. Synchrony alleged the following : Not enough balance paid down over time on real estate secured loans! 
Too many revolving accounts with high balance compared to credit limit! 
Delinquent or derogatory status on real estate secured loan is too recent! 
Unpaid collection! 
I informed Synchrony the information they alleged receiving was incorrect and inquired as to what accounts they were referring too! and as to why would that be a reason for closing my account with them. Synchrony informed me they wouldn't provide me with that information, i'de have to get that information from " XXXX XXXX XXXX XXXX after wards I could reapply for a new account! This response was unacceptable especially when I've had this account for the past 5 years with no late payments and the closing of my account effects my credit score. I want adjudication in this matter and the account reopened!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX I received a notice that my loan had been transferred to a new servicer as of XX/XX/2020 from XXXX XXXX  to ShellPoint. On XX/XX/XXXX I paid my original servicer the full amount due which was {$600.00} making my account current for the XX/XX/2020 payment and my next due payment would be XX/XX/2020. ' The new loan servicer ShellPoint started calling me advising I had late fees and was delinquent on my XX/XX/2020 payment. Through several calls they were unable to provide me any details saying all they know is I owe a late payment and that I still need to pay my XX/XX/2020 payment. I asked them to research this to which they said it has to go to another department. What I was eventually told was that I had to go back to my previous servicer and get any information to prove that I paid them prior to the account being transferred and that was not the new servicer job. Repeated calls requesting a supervisor, no resolution. I get calls saying I still owed XXXX for weeks. I paid my XXXX and XXXX payment and was then told I still owe XX/XX/2020 because when I paid they applied my payment to XX/XX/2020 and XX/XX/2020. I have been going round and round with shellpoint. When they call I have no asked to have them turn the recorder off as I live in California and its a 2 party consent state and they say they cant. At first they asked me to hang up and I said I would just wait. They know just disconnect the call and call back the next day or same day. This kind of behavior has to happen often with these servicers that take over loans and then put it on the consumer to prove that they dont actually owe the money to them. Every statement they have sent me is incorrect, ever phone call they make incorrect states about debt I do not owe. I honestly thought they may finally call my previous servicer to clear this up but was told they dont do that because its hard to find my account. Its silly. There has to be endless other people that get caught up in this and end up spending their time proving they dont owe a debt and or just pay it. I myself have found the email showing I made a payment prior to the account being transfereed which I have not sent to Shellpoint because I think this is ridiculous. Shellpoint has no marked me as having a late payment on my credit report and my score has dropped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All unauthorized information and discrepancies listed in the letter attached.

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 2023-07-05
Company: Experian Information Solutions 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:
I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-07-05
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has already been verified twice as inaccurate and previously deleted. Please remove this from my credit report in orderly manner. This is very frustrating and illegal that this reappeared on my credit report. 

Account : XXXX XXXX XXXX XXXX  ) - {$9000.00}

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 2023-07-05
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief