BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Card number XXXX and XXXX and XXXX. 

All three accounts opened, two used daily and the third never able to use, and to this day I still have no resolution, so I requested a refund and closure of all accounts. Back in XX/XX/XXXX, I was surprised to find out that my card ending in XXXX was restricted due to additional information needed to verify my accountwhich I provided. They opened the business account ending in XXXX, sent me welcome letters, pin verification, then all of a sudden they restricted all my cards! Upon contacting Capital One, they gave me the run around stated the could not verify the account was tied to me personally. After several documents sent, bank statements sent, calls, hours wasted and monthly phone conversations with different members and no resolution, I explained to them to close all my accounts. Their response was they were protecting me as a consumer when I have provided all documentation, in addition to several prior years as a customer. 

Im very upset about the credit balances not being refunded on my accounts due to overpayment, which I am due, only to see they added a line adjustment XXXX  out my accounts back in XX/XX/XXXX, and never issuing me a refund. The accounts are still shown on my account as restricted which I should have never had this status, not to mention a great deal of inconveniences with my monthly purchases. This was very unprofessional, uncalled for and unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase sent an email offering a credit line increase pre-approved with no credit check. When I followed the link to the offer the same day it said the offer was no longer available. I sent a message using their secure messaging site and was told there was an issue they were working to resolve and to try again later. I tried again later with the same result and in the meantime received a letter in the mail with the same offer. I called to speak with the customer support team and they told me they didn't have an XXXX for when the issue would be resolved but it would be a few days. I sent them a message again a week later and was told that the offer was no longer available, though both communications I received stated the offer expired on XX/XX/30. I replied explaining that they'd made an offer and had not abided by it and they said since there was no further action to take they would not be responding to additional requests. 

So Chase made an offer via email as well as postal mail and then failed to deliver what was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: PA
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, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose

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 2022-10-13
Company: TD BANK US HOLDING COMPANY
State: MI
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:
This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX  XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 customer service

Complaint:
Back in XX/XX/XXXX/XX/XX/2018 I moved my full credit balance with Bank of America to another Credit Card company. I had elected to have my statements online so I was not receiving anything in the mail to review. Now, in mid-XXXX I am told my credit line is decreased, but more importantly it appears my account is now showing a delinquency with the reporting agencies adversely affecting my credit score. 

My issue is not with the interest charged, but with the lack of any kind of contact before reporting the delinquency. I do not understand why a paper letter or phone call was not placed in the 3 months it was open to me to help resolve before reporting the delinquency. Looking at the mail the morning of XX/XX/XXXX, I placed a call immediately to Bank of America and dealt with their horrible IVR that does not seem to have a setting for when it does not understand what you want to do to get you to a front line agent. Once talking to an agent I paid the amount in full and closed the account. 

However, I believe the bank 's practices on accounts in similar situations such as mine needs to be thoroughly looked at so the consumer is made aware of the issue before it gets reported to outside agencies and has the opportunity to resolve.

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 2018-08-06
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: Information is missing that should be on the report

Complaint:
XXXX, XXXX  and Trans Union will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX {$3200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO 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 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was closing on my house, ( selling ), and called my bank, Bank of America, for the wiring information to provide to my attorney. They gave me the info and had the attorney wired the proceeds, ( via XXXX XXXX XXXX ), where they told me on XX/XX/21. As I did not see the wire hit my savings I called on numerous occasions and was told it was in a general ledger business account, then told it was not there. Got a different answer every time I contacted them. I had my attorneys bank put a recall on the transaction on XX/XX/21 and just spoke with my bank and they said they never received a recall. I have wire transaction numbers and am getting nowhere with the bank. Even spoke with a supervisor who just pawned me off to someone else. Its quite a bit of money for a retired person and I need whats rightfully mine.

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 2021-01-15
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX XXXX with a balance of {$1700.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10.XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.

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 2021-01-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: LA
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:
Experian is reporting inaccurate information from XXXX XXXX XXXX to my credit file. I have previously dispute on XX/XX/2020 for this account. I have never done business with them. I received a cease and desist letter from them via mail for filing a complaint on CFPB. This company fail to verify in any way that this account belongs to me and it is really tarnishing my credit file with them constantly reporting inaccuracies to my file.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.

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 2023-04-18
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called first progress credit card to let them know they were taking fees out even though my card was being paid, which I have legal documentation that all the money was coming out and being paid to them. they kept tacking on charges the entire time they told me they could only remove one charge even though I paid the card multiple times. Then they tax on a late fee after my card was already paid in the full balance of {$100.00} they have been stealing money from me the entire time Ive been paying my card. then he proceeded to tell me that I owed a balance, and that he would not be returning it. This is the worst way to start your credit out because theyre stealing from individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home mortgage was transferred from XXXX  XXXX to BSI financial services in early XXXX. I made my XXXX mortgage payment to XXXX XXXX  before I was notified about the loan servicer change. Shortly after I was notified, XXXX  XXXX confirmed that they would send my XXXX mortgage payment to BSI and BSI confirmed that they would mark my account to ensure it would not show as delinquent and BSI also informed me that there was a 60 day grace period on mortgage payments after a loan servicer change. Despite this, BSI has marked my account as delinquent and my credit score has dropped significantly as a result. Ive submitted a dispute with BSI, but they obviously do not have proper internal controls in place and thus are not following federal law. Please note that this is an issue with BSI, not with XXXX  XXXX. Ive had only positive experiences with XXXX  XXXX but BSI is clearly a second rate operation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: NCC Business Services, 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: Problem with personal statement of dispute

Complaint:
I moved into XXXX XXXX, XXXX, Tx, XXXX of XXXX me and my girls XXXX and XXXX loved it there. I never not once was late paying my rent all the way up to being made to move out in XXXX of XXXX by a landlord XXXX XXXX. She claims that when I moved out that I left {$1600.00} damage to the apartment and that's a LIE, I was on a low rent program and I wouldn't have done anything like that to get me throw off the program. I did turn her into the XXXX XXXX   XXXX and they came out and after that she gotten mad at me and wrote me up and wouldn't renewal my lease so I had to move out and I did but I didn't do anything to damage that apartment I promise. By her lying on me and damaging my credit report I haven't been able to rent a place of my own for 3 years now me and girls having to stay where we can place to place with family and friends and it is not fair for one woman to have that much power to keep me from having a place to call home. She mistreated a lot old people out there and still work there and the company just don't understand or care one or the other. But all I want is for this to be resolved and removed from my credit report so I can get a place to call home. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

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