BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I went to XXXX XXXX and tried to use my card only to be told to call card services. When I called I was transferred to two different people before I was read a letter describing how Commenity Bank illegally ran my credit report and decided to decrease my limit after I had been a loyal customer since XX/XX/2018. I did not authorize the credit check. This is one of two Comenity Bank accounts that I have, both of which I have issues with. I have other cards and I have never had these problems arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given 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 2021-07-23
Company: Synovus Bank
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:
In XXXX, I missed a payment to First Progress and just gave up on paying, due to life issues. I got a call from a debt collector in XXXX asking for the payment. I paid the payment, thinking it would go toward the debt. It didnt. First Progress continues to open and close my account every month or so. I paid the {$60.00} through XXXX to First Progress on XX/XX/XXXX. At the time, my account still showed open. They are now trying to say that the {$60.00} has been written off, despite my account being now being open and despite them having accepted my {$60.00} yet again. I have now paid them {$120.00} and am still showing {$60.00} behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: RateGenius Loan Services 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:
So I saw an ad that they could lower my interest rate. 

Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another Peoples Trust.

I try calling Rate Genius and they say to call the banks and then the banks say to call Rate Genius. Then Rate Genius said to call XXXX. XXXX  said to call Rate Genius and I explained to them I have and they advised I call you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-05-17
Company: EQUIFAX, INC.
State: FL
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:
611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

According to the law stated above, the account with XXXX XXXX  XXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXX has failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I the affiant demand someone to remove these ridiculous charges off all the credit bueaus ( XXXX, XXXX, XXXX, XXXX, XXXX ) According to 15 USC 1666d ( b ) everything is PRE/PAID that means its billng error ( 12 CFR 1026.13 ) which requires resolution. And I the affiant XXXX XXXX XXXX is entitled to a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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 2023-06-08
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:
I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 2022

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-10-17
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THE COMPANY IS USING CALLER ID SPOOFING TO TRY AND MASK THE NUMBER. I HAVE TOLD THEM TO STOP CALLING ME NON STOP, THEY CALL FROM THE SAME 3 SPOOFED NUMBERS 3 OR MORE TIMES A DAY. THE FIRST FEW TIMES I MISSED CALLS AND WHEN I CALL BACK SOMEONE ANSWERS AND SAYS THEY NEVER CALLED ME SO I FINALLY ANSWERED TO GATHER INFORMATION ABOUT WHO IS CALLING ME NON STOP WHILE I AM WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ordered an item online through paypal, found out website was a fraudulent site copied by the real site, contacted the actual company & they informed me the site I used was not theirs, its fraudulent. I can not get in contact with the seller. Paypal declined my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Pay Pal has frozen my account XXXX because my husbands unemployment check was deposited in my acct. My husband made me representative payee over ALL his funds ( Although legally married in NYS, married couples money and assets, etc are marital property ie. Belong to both unless ordered by NYS Judge ). I submitted the paperwork from NYSDOL stating XXXX XXXX my husband was entitled to these funds & the notarized documents stating I am representative payee over his money and Pay Pal refused to release my funds of {$4200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked repeatedly for Portfolio Recovery to send varification of the debt and they have repeatly sent only a statement from the supposed credit card company I owe the debt too. No Varification has been provided. No signature saying the debt is mine nothing. 3 varification letters with the same response and nothing to show the debt is valid. This started in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/2023 I contacted TransUnion about a dispute on XXXX XXXX account # XXXX for {$760.00}. They responded saying that it was verified as accurate when I asked them for the proof they told me they told me they can't mail me the documents. 

As well as today I contacted them XX/XX/2023 about 12 hard inquiries on my account that I have no knowledge of haven't given any of these companies any consent to run my credit and have done no business with them the accounts are as followed.. 

XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the list of hard inquiries that I have no knowledge of nor any business with any of these companies nor gave them consent to run my credit in any way please remove these accounts from my credit report ASAP.. 

I have tried to have these removed multiple times and they refuse.

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 2021-12-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-09-06
Company: EQUIFAX, 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:
The CRA did not verify the negative accounts of which this grievance pertains to. The FCRA states that anything reporting to the CRA has to be according to law verified not validated. Proof of debt must be provided at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, 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:
The Bank of America online bill pay system has always sent out paper checks to payees who are not electronically integrated into their system. About 3 months ago they started debiting my account not when those checks were cashed but instead on the day when the check was expected to be delivered in the mail to the payee. That is, they are debiting my account for checks that have not been presented by the payee for payment. How can they be allowed to do this? I complained to their corporate complaint center in a series of emails from XXXX XXXX to XXXX XXXX. They acknowledged the complaint but provided no justification. I am attaching a .pdf of the email exchange.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1981e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC1681e ( b ).

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind everything is inconsistent.

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 2021-12-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The phone never gets answered in less than 15 minutes. Always citing heavy volume of calls. Same with Wells Fargo, XXXX and all the banks. They intentionally staff phones to have calls abondoned and keep customers waiting. These too big to fail banks are systematically ignoring customers from having conversations at a time and place of the customers choosing. No better proof than attempting to contact via telephone and navigate exhaustive menus and bots to end up being told no human is available for a minimum of 15 minutes. Already wasted 5 minutes to navigate ti human option. Was hung up on 3 occasions, interesting to see the call center stats and if they truly reflect a level of service that shows genuine concern to deliver to the consumer based on a standard that does not waste valuable consumer time. 
Maybe we need more people hired to deliver people to people service. 
I think the CFPB should be allowed to set a minimum service quality standard before we can no longer get service from our trusted financial institutions.

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 2021-12-17
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: Problem with fees

Complaint:
I opened a credit card in late XXXX. I have already enrolled my bank information with BOA because I use autopay. I have not received a bill for this new account. I logged online to file a dispute about a recent purchase only to learn that my account was overdue three days and I had been charged almost {$50.00} interest the day prior. I immediately paid the bill online with the bank info already on file with BOA and re-signed up for autopay which was unexpectedly not active for this specific account, though it was active for others. I chatted with a rep who promised to refund back the {$29.00} late fee but not the almost {$50.00} in one days interest on {$3300.00} total charges. I explained that I did not know I was overdue because I have bot received a paper bill as promised and also should have been on autopay like my other BOA credit cards. I also explained that my husband had XXXX XXXX in XXXX and readmitted in XXXX that we have spent weeks in the hospital and don't need any erroneous fees. My credit score is also very important to me- I have NO LATE bills EVER in decades.

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