BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking at Date reported on my TransUnion credit report and it was reported that I had a late payment. Which is not true because at the same time and date it was reported on my XXXX and XXXX report that all payment were made on time. I expressed the issue with TransUnion and they failed to resolved the problem after TransUnion investigation. This issue is affecting my credit score and affect my ability to apply for mortgage or loan. I am almost homeless because this. Looking at my payment history I made a 2 year payment history without missing a month. Somehow only TransUnion is the only bureau that believed that I was not capable on paying my car loan on XX/XX/2019.

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 2021-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I OPEN MY ACCOINT YEAR XXXX JOINT ACCOUNT WITH FAMILY MEMER XXXX AROUND XX/XX/XXXX OR A LTTLE EARLIER MY ACCOUNT WAS FROZEN AND THEN I WAS TOLD IT WAS GOING TO BE CLOSED! FIIVE MINTUES LATER AFER CALLING TO FIND OUT WHAT WAS GOING NO AFTER I ALERTING USAA BANKING OUR COMPUTER HAD A VIRSE AND HAD BEEN HIGHJACKED. AND PROVSAL CREDIT FROM USSA ON A DISPUT OF {$450.00} AND {$170.00} WTH XXXX XXXX GOT REVERSE LEFT MY ACCOUNT IN NEGATIVE STATUS AFER DOING RESERARCH I CLEARED THE NEGATIVE ACCOUNT AFTER THAT SOME IDENTITY SOMETHING HAPPEN NOT SURE HOWEVER I LEARNED MY ACCOUNT WAS {$1500.00} DOLLARS NEGATIVE XX/XX/XXXX XXXX A PURE MISTAKE OF A DUPLIC EDD UNEMPLOYMENT CHECK BY MISTAKE I STILL HOLD THE CHECK THAT SHOULD HAVE GOTTEN DEPOSIT. BUT DUE TO RACIAL PROFILING AND I BELIEVE I DID NOT RECEIVE THE SAME CURTOIUS A XXXX XXXX PERSON WOULD HAVE THEN I WAS NOT ABLE TO DEPOSIT THE RIGHT CHECK IN TO THE ACCOUNT THEN THIS CASE TURN INTO IDENTITY FRAUD. BUT BEEN WITH THEM FOR 4YRS NOT BEING ABLE TO HAVE ACCESS TO ACCOUNT LEAVES US IN A VULNERABLE SITUATION OF NOT KNOWING WHATS ACTUALLY GOING ON WITH MY ASSESTS AND NOR CAN I PAY NEED NECESSARY BILLS FOR MEANS OF LIVING THANK YOU HIGHY RESPECTABLE VETERAN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello. JCPENNEY company has been charging me a Card Security Fee since XXXX without my consent ( see attachments ). When I became aware of this fraudulent hidden charge, I called them to make a claim. They told me that this fee started automatically due to an error in the computerized system at the time the account was opened. I have asked them to send me the statements of the accounts that cover the entire time that the fraud lasted and they have refused to do so. In total they have charged me more than XXXX dollars in a deceptive way, but they have only refunded me the equivalent of a year of the charges ( see attachments ). 
At present, the accounts are closed and fully paid, but they still do not send me the account statements or return the money unfairly confiscated. To top it off, during the pandemic they apparently granted me a request for deferral of payments for both of my accounts with them over the phone. However, they applied the relief to only XXXX of these accounts without letting me know, and then refused to fix the error. As a result, my good credit history was affected. 
Clarification : The cards are under my name at birth : 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 monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Cawley & Bergmann, LLP
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Cawley & Bergmann, a debt collection agency, is harassing me constantly, calling me, they also claimed that they sent me mail, but I never received any mail from this

Company. I have no idea what this Company wants from me, I have no Business with this Compan
y, as I have never signed any legal contracts or agreements with this Company.

I have no debt!

This needs to stop immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MO
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:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your companyXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that XXXX exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: In progress
Consumer complaint received 2023-07-07
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
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:
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 to be 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  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : 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 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX  ending XXXX and XXXX XXXX XXXX account ending XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice dated XX/XX/2020 informing me that Portfolio Recovery Associates, LLC ( PRA ) had purchased my credit card debt from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX with a balance of {$580.00}. 

On XX/XX/2020, I called PRA with the intention to settle the debt. The representative on the phone told me that PRA could settle the account if I paid {$490.00}. 

I asked the representative if PRA ever settles for less than the original amount offered. The representative told me that yes, it can happen, but only " randomly. '' The representative also told me that the offer would expire on XX/XX/2020 and I would be required to pay the entire balance. 

I asked if I could negotiate a settlement of {$300.00}, the credit card 's limit. The representative confirmed that PRA could not offer settlements less than what appears " randomly '' on the computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX is governed by 15 USC 1681. And they have violated my rights. I request that the accounts be removed. according to 15 USC 1681, I have the right to privacy and did not give Equifax or XXXX permission to publish the accounts listed below : XXXXXXXX XXXX XXXX  - ( This is an account with XXXX bank I'm unfamiliar with ) on my EQUIFAX report it is the only inquiry XXXX XXXX XXXX - Also on my XXXX report XXXX XXXX -- -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am trying to apply my {$17.00} rewards to the Barclays Mastercard as cash back. I tried doing it online but it does not give me that option. I opted out of the terms and conditions which should have also prevented my balance from being transferred to Barclays. Opting out resulted in both the new Barclays Mastercard account and my XXXX  VISA card being closed on XX/XX/XXXX which is 3 days before the date I was told my XXXX  VISA account would be closed. I opened a new account with XXXX and would have transferred the balance to my new account. I am sure hundreds of other people are being cheated out of their rewards dollars. I was on hold waiting for customer service from XXXX XXXX today to XXXXXXXX XXXX today before I was disconnected. I called back and have been on hold since XXXX XXXX  I hung up at XXXX and gave up. 

It is a well known fact that Barclays customer service is horrible. The manner in which this business decision was implemented has been an absolute disaster on both the part of XXXX and Barclays. Only XXXX XXXX and XXXX XXXX could have XXXX  it up more. Perhaps a class action suit is in order against both Barclays and 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX ( XXXX ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-08-11
Company: AMERICAN PACIFIC MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke with XXXX XXXX in XXXX on Tuesday, XX/XX/2022 at XXXX XXXX. XXXX advised that she would provide the proof of my payment and proof that my payment had been applied to my mortgage loan.. 

She told me that I couldnt have account access to review my payment and how it was applied because my loan would be transferred and once it was transferred I could have access to my payment and account through whatever company that may be. 

XXXX advised me of this after I submitted the complaint below : My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist. 

I have not received a notice of transfer and its been well over a month since closing. That notice at least requires 15 days prior to transfer, its XX/XX/XXXX and I have no notification of such transfer and I need access to my account and payment history and detail in full accuracy. XXXX advised that she would send all requested proof via email, as well a vial mail. 

It has been over 48 hours and I still do not have the email she advised she would send with proof that they received it ; I have not received any documentation via mail either. XXXX stated that they applied the payment that was made on XX/XX/2022 to our mortgage loan on XX/XX/2022 ; its XX/XX/2022 and I still have no proof that it was actually applied when received as required by law. Waiting until the loan is transferred to provide proof of my payment is not acceptable for our records. I need the requested proof provided to protect myself and my husband from anything that will undermine our investment.

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 2023-10-25
Company: EQUIFAX, INC.
State: SC
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:
My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.

Company response to consumer: Closed with explanation