BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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 belongs to someone else

Complaint:
This is my sixth endeavors 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXXBalance : {$1600.00}

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 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
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:
My daughter in I share a joint account at Mavy Federal Credit Union. She applied for a personal loan on XX/XX/2023 however the application was ran under my credit report instead. When I received the alert on my credit report i immediately called Navy Federal. The company said they are unable to remove the inquiry on my report because the application was done on my NFCU application. I explained in detail that my daughter which is XXXX was applying for the loan on her own but the representative insisted it wasn't anything they could do. I advised the representative that I am currently in process of a refinance on my home and I can't have any non valid inquiries on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have a credit card with Chase Bank ( JPMorgan Chase & Co ) known as the XXXX XXXX Card. In XXXX of XXXX I used this card to update my payment method for my XXXX subscription. At the time I made that change I received a notification within the XXXX app that there was a benefit for using this card for 1 free year of subscription for the XXXX offered by XXXX. 

I subsequently looked at the benefits of my card through Chase 's website, through the card benefits link for that card and verified that the benefit shows as " activated ''. 

Today XX/XX/XXXX I was reviewing my statements and realized I have been charged the {$9.00} subscription fee for each month since XXXX of XXXX ( inclusive ), currently 5 months of charges which were supposed to be free. Upon calling Chase to rectify the situation they informed me that a one year complimentary XXXX was not a benefit of the card. 

Additionally, Chase informed me that such benefit was a benefit of another credit card product which I just recently obtained. However, the activated benefit for the XXXX XXXX indicates that it is good through XX/XX/XXXX. This would be one year from the time it was activated. If Chase has ceased offering this benefit for the XXXX XXXX Card they need to honor those that already enrolled in it or at a minimum provide a notification that it was discontinuing. 

I am attaching screen shots showing the benefits of my card. I believe this constitutes a UDAAP violation to promote a product with benefits that don't actually exist or can't be obtained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off the loan ( Purchase of New Vehicle ) back in XXXX, XXXX. 

Waited for the tile but not received yet. 

Called the Customer Service to find out the issue of not releasing the title. 

They claimed they sent the mail but not received. 

One of the customers service rep. provided the paperwork to obtain the replacement title at DMV. 

Upon receipt, visited DMV but could not obtain the replacement title due to additional documents needed from Honda. 

Called the customer service again, and the person was able to look up for the detail. 

Apparently, title indicates XXXX XXXX instead of Honda Finance ( purchase ) and they had to open up the case to resolve this matter internally and report to California DMV. 

Asked to escalate this matter within, even asked for supervisor ( or higher ups ) to speak with but no luck as they seemed not care and told to just wait. 

It has been 3 months since, no response from Honda nor any progression feedback from Honda. 

It is very frustrating for not having the tile for six months that paid off fully new purchased vehicle, and not receiving official letters of its progression at all. 

Without the title, can not sell this vehicle or transfer names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1200.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 nameXXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Local Branch Manager XX/XX/2022 RE : Letter of Complaint against Bank of America Dear Sir/Madam , I am a client of Bank of America and I wish to bring your attention to a financial issue that just occurred and has left me in a real hardship. I previously had direct deposit on my checking account payroll check. I will be getting married in XXXX, XXXX and decided to go with XXXX XXXX XXXX XXXX. I removed the direct deposit from the checking account leaving the account open. 

On XX/XX/2022, I came to Bank of America XXXX, XXXX XXXX, Illinois, my local branch and deposited my payroll ( paper check ). Because funds were low, the teller informed me that I could not cash the check, I could only deposit. However, some funds ( about {$200.00} ) would be available the next business day, XX/XX/2022. The rest of the check would be available on XX/XX/2022. 

On XX/XX/2022, I received an email from Bank of America stating that the entire payroll deposit would be ON HOLD UNTIL XX/XX/2022. I then called customer services trying to obtain some resolution. There are several automatic payments set up on my account, not to mention, it was after the holiday weekend and I didnt have access to any funds. Mortgage, vehicle insurance, other bills and wedding plans ALL abruptly stopped. I was devastated. Not to mention, I will NOT receive another payroll check UNTIL XX/XX/XXXX. I feel like I was penalized for removing direct deposit from the account. Same payroll. Same amount. Same company. None of that changed, but because I chose to go to XXXX XXXX XXXX XXXXn, I have to wait 11 days to access my funds. That is totally unreasonable and unfair. 

This has been an utter nightmare. I have been mentally stressed since I made the deposit. Trying to figure out how to maintain until funds will be released. I am sure people have left and opened accounts at other institutions for less issues. It may not seem like a lot of money or a big deal to the person sitting on the other side of the computer, but for me, it has derailed everything. 

All I ask, is that someone from the Corporate Office, look into the matter and respond to me, immediately. Ask yourself, what would you do if your bank told you a hold on your account would last a couple days when in fact it ended up lasting two weeks? How would you feed your family? Gas for the car? Medicine? Rent or Mortgage? Insurance? What would you do in a situation like that? 

Heartbroken Customer,

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 2023-12-05
Company: EQUIFAX, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX XXXX JUST CLOSED OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A U.S. GOVERNMENT WEBSITE AND NOW XXXX IS DOING IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING ANYTING FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


DiscoverCard is falsifying documents to the Consumer Finance Protection Board, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These asholes at DiscoverCard has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. I demand an investigation and I demand for a response to these allegations. Im not gon na let this go punk boy up there in DiscoverCard nobody will anything about it but I have a voice too and Im going public on you and your creepy ambulance chasing company. You broke the law and justice will be served. Wait for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: NY
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 company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..

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 2023-04-12
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:
After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/ 2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXXXXXX XXXX Balance : {$29000.00}

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 2023-12-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i previously contacted XXXX, EQUIFAX, and XXXX about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

fraudulent inquiries : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Revco Management, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Initially, XXXX XXXX failed to bill my insurance and billed me. I received a bill ( account number XXXX ) and immediately called XXXX XXXX to ask them to bill my insurance ( which was phone recorded by XXXX health and can be verified by them ), they then billed my insurance with a different account number ( XXXX ) and sent me the bill which I paid and received confirmation from XXXX that i have a {$0.00} balance with them. Again, all this can be verified by them and their phone recordings Billings and receipt of payment. I do not owe any debt. Please verify this true information with XXXX XXXX. I can be reached at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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:
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 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 2019-03-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2020-10-20
Company: Conn's, 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 received a past due bill of {$370.00} in XX/XX/2020 because someone took out a {$5000.00} credit loan from Conns XXXX XXXX in which I never opened an account from or bought things from. I have contacted the fraud department. They sent me a form, I have to file a police report and a FTC report and this report.

Company response to consumer: Closed with explanation