BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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. 

Account # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXl XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX Florida XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/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 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This Comenity account was opened at XXXX in XXXX XXXX CA XX/XX/2022 with a balance of {$290.00}. That same day I attempted to pay the entire balance through the online system but was told I couldn't because the online account hadn't been created yet. I wanted to avoid any possiblity of late fees so after many hours on the phone that day, a supervisor suggested I mail a paper check for the entire balance. I did so and that check was cashed by Comenity on XX/XX/2022 ( bank statement attached ). Apparently, internally within Comenity, the money was posted to the wrong account and they started charging me late fees. The money did not reach the correct Comenity account until XXXX of XXXX. They continue to charge me late fees and finance charges despite having the entire balance received within 18 days of the account being opened. I have made approximately 10-15 phone calls and sent approximately 10 emails including the bank proof that they cashed the check on XX/XX/2022. I have asked many times to speak with a supervisor but repeatedly get disconnected in the transfer or left on hold for hours. The online messaging system has been equally unproductive. I am also enclosing the email conversations I have had with Comenity. I have closed this account but it still has a balance due from inappropriate late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not consent nor authorize to be reporting on my consumer report block and remove pursuant 15 USC 1681c-2

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 2023-03-09
Company: EQUIFAX, INC.
State: NJ
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:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One Bank is reporting an erroneous late payment on my credit file. I recently checked my credit file and noticed this debt. Due to circumstances under the pandemic i was not able to make this payment on time. I have had this account for a long time and have been really good about keeping this account in good standings. I am experiencing hardship due to the pandemic and that put me in a really tough situation. Paying my bills on time is always an priority but this totally out of my hands. I am asking that Capital One remove this debt from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry.

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 2022-02-01
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To Capitol One Fraud/Scam dept, I am writing to report a telephone scam involving XXXX and the good name of XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX On XX/XX/2021, con artists called me pretending to be billing agents from XXXX XXXX XXXX. They tricked me in to making emergency " payments '' and some refund " transactions '' using XXXX in order to prevent the power from getting turned off. The caller ID on my phone was XXXX and it seemed legitimate. They had me make 5 separate transfers totaling {$2000.00} under the pretenses shown : {$180.00} " back due amount : {$390.00} " back due amount plus current due '' {$180.00} " refund of first payment '' {$580.00} " refund of first two payments '' {$700.00} " reset transactions '' The scammers wanted to go further, but I told them to hold while I used a second phone to call XXXX XXXX XXXX. I reached an agent who assured me that my account was in good standing and there was no need to for any action. I then told the scammers to jump in a lake, figuratively speaking. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, CA I filed a previous complaint with cfpb against XXXX seeking consideration for this event. ( NR XXXX ) XXXX declined to do anything but did contend that the funds were transferred to an account with Capitol One. Please review the attached response from XXXX. 

I have also attached screenshots of the transfer confirmations. The phone number that the scammers asked that I use for the receiving account was XXXX. This phone number was a XXXX phone but is no longer in service and was registered to a now deceased woman named XXXX XXXX XXXX XXXX XXXX KY. The XXXX XXXX police confirmed XXXX XXXX 's passing sometime last year. She had other addresses in an around Tennessee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My last Payday loan was already paid off in person in XXXX XXXX CA. Check into Cash but about weeks later, the business took additional {$300.00} funds out of my account. Contacted the store and the corporate and they said they will reverse the fund but wasnt done after several business days : The General Manager never follow-through with email correspondence since last week and the staff said they cant do anything about it to reverse the funds when they were contacted. Thank you for your careful review and advocacy regarding this matter. 

With gratitude, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: WV
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:
After receiving my credit report, there are multiple US Code has been violated by this reporting, 1. 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 15 USC 1681a- ( e ). " Congress says in order for you to have conducted an investigation you have to have Spoken to neighbors, friends or associates etc and if they spoke with them the information provided can not be factual ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
I PAID {$15000.00} TOWARD MY USAA CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY USAA CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. USAA REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW USAA IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO USAA MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review. 
Remove the following negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. It seems like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person. I was also told thatXX/XX/XXXX had a breach. I am deeply concerned because I don't know if I was impacted by that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, HI XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} 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 2022-11-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Our vehicle was stolen along with our devices and cards. It was done by what we thought were friends. We were banking with Wells Fargo and I turned this in to the fraud department, but the fraud department did not recognize that we had a police report, that our devices were logged into accounts with that card information, they were around us multiple times even paying for things and may have seen the PIN number, or anything that I turned over to them with proof.

We were investigated by the fraud department, it was a persecution, and we were told that we were straight up lying and that the account had no suspicious activity. The account had only been funded for XXXX weeks! How do they know our patterns with in XXXX weeks and less than XXXX transactions completed by us? We not only got all the money in our account stolen by these so called friends ( around {$1200.00} ) but the bank charged us {$110.00} which got paid by a direct deposit then immediately closed our account for insufficient funds. 

We pay for fraud protection to protect your money, not take it. So all in all Wells Fargo and their Fraud department as well as their Head Office staff, yes I went that far, took almost {$1500.00} from us with no proof and no supporting evidence to show that it was us. Their story changed every time ( I turned this in I think 5 times ) and my story was always the same, the truth. They told me to take the people to small claims court to recover our loss. Why cant I take Wells Fargo to court for not providing the fraud protection we pay for? Why cant I take Wells Fargo to court for the fees they charged us due to this incident? Why cant I take Wells Fargo to court for discrimination? Financial hardship? Lost wages? These are all things that took time and money away from my business so I have lost wages as well. I cant get anyone at Wells Fargo to listen or respond as once they got that direct deposit and the {$110.00} that was applied for my account being fraudulently charged they closed my account due to insufficient funds. 

Wells Fargo does not protect your assets, they persecute you and keep those assets any chance they get because they can and they get away with it. They are too large of a bank to have any repercussions and they make a good front with all their philanthropic donations and involvement with the money they are keeping from their patrons.

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 2021-11-25
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/XXXX purchased a XXXX honda civic the first thing i told the sales lady i had to have these things in order to buy from them XXXX trade in my fianc XXXX XXXX platinum for pay off on it. XXXX no money down. XXXX sales taxes and tag fees paid.4th payments as close to XXXX they agreed to do all was also told sales price was XXXX $ and was told that they would drop it a XXXX to make it XXXX $ not XXXX $ I also had a loan approval from XXXX  XXXX the car lot sent them a different amount than what it was approved for already so therefore they denied me the loan i didnt have the contract went over with us to fully understand all of it didnt get a contract after purchase of the vehicle there was no as is warranty sticker in window i didnt even get the contract until my fianc went to see if theyd try and fix they lied said theyd do what could and contact her never did I was the initial buyer but they made her the i buyer cause her credit was little higher thats when we told them multiple times that she didnt work since XX/XX/XXXX has been off due to injury they asked her what she made when was working full time then XXXX days later when she went to get them to do what they told they would is when got contract it had the as is warranty on printed paper and it had her information at her old job making XXXX $ a month and she dont work had nothing on me or my job or income the sal lady also contacted the water department and asked them to put my name on it as well as the electric company without permission i feel like i was set up for failure because im the only one with income i feel tike i was took advantage of and misslead into the deal

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 2021-01-12
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive had noted identify theft in the previous years. This particular account in question has previously been flagged and reported & removed. It has since been but back on my credit ( Im assuming because another company bought the debt ). I have reported yet again to all 3 beauties providing the only documentation that I have, such as drivers license, home lease etc. XXXX deleted the debt but XXXX still states that it is my debt. I spoke to the creditor before it ended up back on my credit report and they requested for my to travel during a pandemic from the state of GA were I reside, to XXXX ( where the fraudulent account Was created ) & file a police report. I am a XXXX  & I am a hard working. I can not risk running state to state & possibly catching Covid, just for a police report. Please help!

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was a victim of DATA breach and I have documents to support it.

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