BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXXXXXX XXXX  XXXX Account numberXXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.

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 2023-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
In XX/XX/2019 I contacted Bank of America regarding a late payment on my account. I spoke to a representative/ supervisor. I advised that I had made my payment on time and Bank of America was not able to process my payment and a late payment was reported to the credit bureaus. The supervisor at Bank of America advised me that the late was going to be removed because the bank made an error and was unable to process my payment and contact the credit bureau to make the corrections. Ive checked and the late payment is still showing on my credit report. I filed a dispute with XXXX and Ive gotten negative results. Please help me. Thank you

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 2020-06-10
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: Was not notified of investigation status or results

Complaint:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

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 2022-11-15
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:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy 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

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 2020-07-22
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, a purchase was made that brought my account approximately {$6.00} under my balance. Before the transaction was posted a deposit was made to cover the amount. According to the policy of TCF bank itself, deposits are credited prior to withdrawals or purchases. However, TCF has decided to charge an overdraft fee for the charge, even though the charge has still yet to post as of today XX/XX/XXXX. An attempt was made to clarify and have them correct the issue. However the overdraft policy and how it works changes every time you talk to TCF based on your situation. This is now the second time I have has to file a complaint against TCF with the CFPB due to their unethical overdraft practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a loan through Flagship credit acceptance for a car. My fault I was late the first payment. They were to send me a payment slip each month to make future payments. They never sent them on time and made my payment late a couple of times. We have since got that straight. They still claim I was late when it was their fault. I have not been late since. I disputed this on my XXXX  credit report. They looked into it and took flagships ' blanket response that they certified all was correct and flagship was blameless. This seems very wrong and lazy on both parties part and I am the one whose credit suffers for it. Why is it so easy to wrong someone yet it is that person 's responsibility and time to seek remedy. This is the only smirch on my record and hurts my FICO to the point I can't buy a house or refinance that miserable 12.9 % loan from flagship. Everybody wants to lazily accept a canned response and throw me under the bus. 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 2023-02-21
Company: Experian Information Solutions Inc.
State: AZ
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX , XXXX. XXXX {$9100.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$8000.00} XX/XX/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 explanation
Consumer complaint received 2021-12-07
Company: CCS Financial Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is refusing to remove fraudulent information From my consumer report. I have requested matter several times with XXXX XXXX and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a pucrhase through XXXX, but I canceled the purchase from the XXXX ( I canceled the item before shipping ), but XXXX still sent the item to me after several days, and they charged my bank account with the amount of XXXX dollars and, XXXX dollars.The retailer does not respond, the store is not willing to refund me after a month, and the bank is not cancelling my charges my account.I made several claims to the bank, but they did not accept the claims.Please let me know what I should do.

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 2020-07-22
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage on time for years. After my escrow amount was increased last year, I inadvertently failed to pay the new total, instead paying the former amount less the increased escrow for a couple months. Suntrust notified me after several months, and I paid the outstanding balance that the bank told me was due. But a few months later, Suntrust stopped accepting my payments and told me that I still owed a balance, and that I now owe a debt to the bank. It has not sent me a payment history or offered any proof of defaults. I have paid my new balance - principal, interest, escrow - in full since I paid off the outstanding balance, and Suntrust is illegally hurting my credit by trying to collect on a non-existent debt.

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 2020-07-22
Company: Experian Information Solutions 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:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX Experian & XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Status states Included In Bkruptcy ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX ) XXXX - Date Opened : XX/XX/XXXX( XXXX ) ; Opened : XX/XX/XXXX ( Experian & XXXX ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XX/XX/XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX 2 TIMES ) XXXX  ( 2 TIMES ) 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 explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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

Complaint:
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

In accordance with the fair credit reporting act 15 U.S.C and fair debt collection practice act 15 U.S.C. 1692 XXXX XXXX {$420.00}, XXXX XXXX/ AND XXXX, XXXX XXXX {$250.00} Has violated my rights and 602A states I have a right to privacy.

15 U.S.C. 1681 604A State credit reporting agencies bureaus or companies can not furnish my report without my written consent or instructions or furnish my accounts or report without my knowledge.

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 2021-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: OH
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 XXXX  accounts : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have 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 that 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a new business debit card on XX/XX/2022 through the XXXX  Mail from Square, issued by XXXX Bank. I have had no previous business interaction with Square. The card I received was for a new business checking account for which I didn't apply. I did not attempt to activate or use the card. I contacted Square customer service on XX/XX/2022 at about XXXX XXXX XXXX. The person I spoke to took my name, email address, and the account number from the card. I explained that I had received the card without applying for a new account. The representative from Square checked the account, saw it had no account activity, and immediately had the account closed. I asked the representative about submitting a fraud report with the FTC. They agreed and recommended that I file a report. 

The issue was resolved quickly and easily, but I still decided to file a report so there would be a record of the event.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I have a {$700.00} XXXX XXXX credit card managed through XXXX XXXX. I filed for bankruptcy two months ago. My lawyer and the Bankruptcy court of Tennessee has contacted them to make them aware of my bankruptcy filing status. They have filed a claim in my case. However, they continue to call me from multiple numbers all day every day upwards to 20 times a day, and often use a restricted number with which to call me from. They even call Sundays while I'm in church at XXXX. However they always use a restricted number to call me on Sunday mornings. I have contacted my bankruptcy lawyer regarding this issue, as well as informed the company with this issue, however they continue to harass me. I have provided some screen shots of my phone log but can provide copies of my phone bill for better clarification if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. JXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2023-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Several fraudulent transactions were charged against my account totaling over {$2000.00}. The fraud occurred between XX/XX/XXXX and XX/XX/XXXX. I filed a claim on XX/XX/XXXX and another one on XX/XX/XXXX. Citizens Bank refunded me {$480.00} on XX/XX/XXXX, which was for the second claim. Later I found out they denied my first claim but without an explanation. I made multiple calls to Citizen 's claim department only to be told they could not provide any details but would have someone from the fraud department call me back. After three attempts and no response, I went to my local Citizens branch and was told the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: OH
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:
Equifax wont remove XXXX when I was approved by XXXX when I was approved a XXXX discharge over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was fraudulently opened in my name

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 2023-07-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had an unsecured long of {$500.00} to be used if I am overdrawn. I have had this account for at least XXXX years. About XXXX years back I received a message from Wells Fargo that I would no longer have that overdraft protection. Then the bank reinstated the unsecured loan and charged me {$25.00}. I made an appointment with a banker. He gave me a number he said would reach a department for overdraft protection. I called the number and after a great deal of difficulty I reached an agent. She said the line of credit had not actually been terminated. I asked for my {$25.00} back and she said if I received the {$25.00} I would never be eligible for an unsecured line of credit with Wells Fargo.

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