BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX

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 2021-09-17
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This " school '' enrolled under false pretenses and collected half the money from me up front. Never received certification or assistance one program ended. Advertised help but did not receive. Debt not owed since I didn't not get what was paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: GA
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 tradelines listed were not opened by me. And i've submitted an identity theft complaint.

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 2022-03-17
Company: EQUIFAX, INC.
State: GA
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 tradelines listed were not opened by me. And i've submitted an identity theft complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 tradelines listed were not opened by me. And i've submitted an identity theft complaint.

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 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed multiple disputes letter to XXXX, Transunion, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.

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 2022-03-17
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:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX5 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission. 

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.

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 2022-03-17
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have been taken advantage of there has been malpractice serval FCRA laws have been broken by your company. This is and has caused financial injury and hurts my character when applying for jobs. I can not obtain a credit, proper living arrangement for my family. I can not better myself by getting a student loan to finish college because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: NCB Management Services Inc.
State: SC
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:
I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a XXXX party collections agency that XXXX sold the account to called NCB Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with NCB management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and NCB Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called the merchant and American Express relating to a duplicate charge at XXXX XXXX XXXX  in the amount of XXXX  on XXXX  and no one will provide a resolution for the duplicate charge. You can clearly see that the transaction number is the same and Americam Express should have controls in place from allowing the merchant to charge twice on the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
UNAUTHORIZED AND UNAPPROVED INQUIRIES DISPUTED MULTIPLE TIMES BUT NO RESOLUTION. 

KEEPS MAILING ME MY FORM LETTERS AND CREDIT REPORT WHICH I ALREADY HAVE SEE ATTACHED

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 information was erroneous. The 3 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 : XXXX XXXX XXXX XXXX .... Balance : {$30000.00} ; XXXX XXXX XXXX Balance : -

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 2020-03-10
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Since XX/XX/2020 .I send money on western union but the reciever did not recieve the money and since then i want my refund .but until now just keep promisimg under process my compain at western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ally bank was supposed to credit {$500.00} bonus cash on or before XX/XX/XXXX to one of my existing accounts after new money was brought in to open an account by XX/XX/XXXX and keep the new money until XX/XX/XXXX. 

This never happened despite many phone calls questioning when I will receive the {$500.00} bonus cash. Allys response was that there is no time frame when this cash offers will be credited to my account. A case number XXXX has been created.

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 2023-06-06
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I noticed unauthorized transactions sent from my TD Bank account through XXXX to an unknown contact. I was in the process of sending money to my boyfriend and noticed that two unknown people were added to my XXXX account. I immediately froze my account and called my bank. The following day when the funds posted, my bank disputed the charges and reassured me that the funds would be back in my account within 10 business days. However, last week, on XX/XX/XXXX, I spoke to my bank and they had neglected to inform me through any other communication means that my disputed was not approved. I had them refile the dispute, which they did, but then was told that there was little confidence it would be approved this time because XXXX is like losing a wallet. I lost over {$700.00}. It started as a {$1.00} charge, then a {$320.00} charge, and then another {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
XX/XX/XXXX, I opened an account with Santander Auto Loans for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from Santander and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by Santander XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card from Bank of America that I never applied-for, and, did report it to this company. I just don't understand why the crook would have it sent to my address? 

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 2023-06-06
Company: CCB Credit Serivces, 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:
Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-03-14
Company: EQUIFAX, INC.
State: NC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230000.00}

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 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried using my bank card to get gas and it was declined so I tried to pay inside it was declined. I called bank of America to find out what the problem was I knew I had {$500.00} in my account. They told me they shut my card down because of suspicious activity, when I told the employee at the bank I needed money before they turn my card off for my access the girl told me she would try to reopen the card. I was assured that I wouldn't be charged anything in fees if the transaction didn't go through. It took over three times myself and no money from ATM machine it kept saying to call my bank. The employee took over three times before finally the ATM machine dispensed {$100.00} .00 for me with the fee it is {$100.00}. When I called the automated number to check my account the next day XXXX learned that I was charged twice for the ATM transaction, it said I withdrew {$100.00} two times which is not correct I only took out {$100.00} and the fee of {$3.00}. I disputed the transaction and after thirty days my bank sided with the company who owns the ATM machine I couldn't believe my bank after XXXX years with them would do such a terrible thing to me. I'm on XXXX and need every penny I get, I was told to write a letter to ask the claim to be reopened I can't even begin to write the letter I've been traumatized emotionally and mentally about this. My statement shows when my bills were paid and how much money was left in my account which was a little less then {$20.00} an hour later I was overdrawn by {$84.00} Plus change and XXXX of my bills reversed not paid after already being paid. My last transaction to go through was on the XXXX of XX/XX/2021 clearly enough time to pay the money for my bills yet bank of America forwarded the dates to the XXXX of XXXX the same day they took {$100.00} from my account. They have stolen my money from me and damaged my credit that I was rebuilding. I can't sleep or eat can't think straight because of their blatant disregard for my money and health they have done more harm to me then just taking my money I can't function anymore because of what they have done to me. I want my money back and close my account. I found out that XXXX owns a big part of bank of America which is a private bank I learned. I don't want anything to do with them after I get my money back they sold their clients out to XXXX. They changed all my transaction dates to fit there lie. I was locked out of my online account so they could alter transactions I have printed out screenshots to prove what I say is true but there not interested in the truth because they would have to return my money. I need my money now and justice for me.

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