BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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: Credit inquiries on your report that you don't recognize

Complaint:
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and 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 explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I initiated a wire transfer from my savings account with Bank of America to a fa mily member. Several minutes after initiating the transfer, I discovered that the transferee details were incorrect and immediately called Bank of America to have the wire transfer cancelled. I was advised by a Bank of America agent over telephone that the transaction was cancelled and would not go through. 

On XX/XX/2022 I noticed that a HOLD had been placed on my account for the origin al transfer amount. I immediately called Bank of America and was advised by an agent over the phone that this is just a technical HOLD, that my account would not be debited, and that the HOLD would be released within 24 hours. 

On XX/XX/2022 I noticed a DEBIT on my account for the original transfer amount. I immediately called Bank of America and was advised by an agent over the phone that the transaction was indeed canceled and that the DEBIT would be CREDITED back into my account by XX/XX/XXXX. 

It is now XX/XX/XXXX, and the account has not yet been CREDITED. I called Bank of America today and spoke with an agent who said that the transaction was never cancelled at all, meaning that Bank of America has been misrepresenting, misleading, and effectively defrauding me over multiple telephone calls with multiple agents. 

In addition, each call to Bank of America require s at least a 1 hour call waiting period after which I am almost always transferred to a different department with an additional 1 hour call waiting, which is utterly unacceptable. I'm not sure how to proc eed and recover the funds that were mishandled by Bank of America. I am filing this complaint in addition to initiating a lawsuit against Bank of America.

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 2022-07-05
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: Reporting company used your report improperly

Complaint:
Account # XXXX - XXXX XXXX XXXX 15 USC 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 account without my 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 2018-10-22
Company: EQUIFAX, INC.
State: IN
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 reached out to the XXXX, Equifax, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I had a title loan on my XXXX XXXX for XXXX The 4th month my payment was {$20.00} short of the XXXX payment. I get a call a few days before the 5th payment is due and Im notified that there is a {$500.00} late fee associated with the {$20.00} from the previous month. So I cant make a payment or it all goes to the late fee. Regardless my car was repossessed 3 days into that billing month and sold. They would not work with me with any reasonable expectation so my car sold at auction. Now I have no vehicle or means to get to work. 

On a XXXX loan, it wouldve cost me {$14000.00} to pay it back which I wasnt advised of that until after the loan was finalized. I kept asking what the total was and she said well well get to that in a minute. How can a company prey on my hardship and it be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX  I took out a loan for a used vehicle with a shady dealership no longer in business that had me sign multiple blank documents stating that they needed to submit multiple offers to multiple banks. The price was changed from XXXX to XXXX without my knowledge. 
I was young, XXXX, XXXX and single mother living in public housing. 
I was a victim of predatory subprime lending. I do not believe Santander gave my information to include me in settlement. In addition to this I recently asked for a copy of my payment history and noticed every month I was charged late payment fees even though I paid full amount on auto payments monthly and biweekly through my bank. These late payment charges were also compounded by interest they were charging. Lastly when the car was totaled my insurance paid full market value of the vehicle and I was told it was settled and paid off. Santander continued to add charges and fees and are reporting balance of over XXXX despite 3yrs of payments and a lump sum insurance payment. They have also altered the first late payment by several months to keep on my report additional time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB THIS ISNT a DUPLICATE TO PRIOR COMPLAINT COMPANY NEVER VALIDATED DEBT AND IS COMMITTING PREJURY LYING

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 2017-06-25
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice to pay a debt that I was unaware existed. Disputing the validity of the debt. I do not have a contract with named company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Lightstream/Suntrust/Truist approved my consumer credit application. I signed the agreement and entered my bank account info, the next day they contacted me telling me I was denied. I contacted them and they stated that I could not speak to someone of authority. I asked them if they were knowledgeable of the truth in lending act and they started going all over the place. I spoke with 3 reps and still couldn't get someone of authority on the phone. I asked them to show me in the truth in lending act that a consumer can be denied based on the reasoning they was giving me for the denial. They we're lost and had no understanding of the truth in lending act. This whole situation has caused me distress. I have never experienced anything like this from any other lenders I have dealt with. I should have not been approved and given my bank account info and a contract to sign if I was not approved, that's a breach in contract. Therefore someone in the company did not do their due diligence.

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 2019-07-07
Company: Tate and Kirlin Assoc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I are being harassed by Tate & Kirlin Associate 's, Inc,  in the amount of {$180.00}. 

The address listed for them is XXXX XXXX XXXX, XXXX XXXX, XXXX PA, XXXX. 

The original creditor is XXXX XXXX XXXX and lists a current creditor of XXXX XXXX. 

This bill was discharged in a bankruptcy in the 1990 's. XXXX XXXX is no longer in business, the new company 's name is XXXX XXXX XXXX. 

I sent a certified letter to Tate & Kirlin, attention of the President of the Legal Department disputing the debt. The certified notice was signed for. 

I explained the situation in detail and requested the original contract verification, dates and payment history. I followed up and they refused to discuss it and refused to put me in direct contact with the President of the company. 

I then sent a certified letter to XXXX XXXX  XXXXXXXX XXXX  Corporate Office, XXXX XXXX XXXX XXXX, XXXX IN, XXXX, attention President of the Legal Department which was also signed for. 

I explained the same thing in detail and requested the same information. I followed up and again, they would not discuss the debt and refused to put me in direct contact with the President. 

The debt is submitted on our Credit Reports every single month. My husband 's Credit Report states paid in full and also states as an outstanding bill. 

My Credit Report states as outstanding and does not state paid in full. I also disputed this debt with all Credit Reporting Agencies, to no avail. We do not owe this debt. No one will help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, Equifax, and XXXX Credit Bureaus continue to send me the same responses, " We have already investigated your claim, please allow us 30 days to complete our investigation. '' These Credit Bureaus are at fault, they have not provided anything to me but COMPUTER-GENERATED LETTERS in the last 75 days! They have not provided any original documents that I have signed from the Creditors listed on my credit reports. Furthermore, the Creditors, nor their Collection Agencies, have provided specific documents that I have signed! I am extremely frustrated that no action under the FCRA has been taken against these companies for their negligence. It would be for civil liability, and willful no-compliance. My letters have been sent over and over again, now for a period of more than 90 days! These Creditors, and Collection Agencies keep selling my information to each other, then reporting to XXXX. Equifax, and XXXX Credit Bureaus. These actions on the part of all these agencies are major violations of consumer privacy laws, and a host of other FCRA and FDCPA laws they have violated. 
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2021-12-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A XXXX  XXXX account was opened in my name this last XXXX that I had no idea about, also my wallet was stolen a while back and I did cancel the cards but someone was able to run up the bills on my card and now the accounts are closed and being charged off. Im XXXX and never dealt with something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed belowXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9100.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-01-25
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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward with getting a new and buying a house for my family. XXXX, Equifax, and XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-10
Company: OneMain Finance Corporation
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:
I received a credit inquiry om my XXXX file on XX/XX/2023 from Onemain Finacial Servives. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.

Company response to consumer: Closed with explanation