BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX try to report my account that over 7 years on my credit report. 
Its supposed to fall off my credit in XXXX but its still there.

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 2021-07-01
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: Was not notified of investigation status or results

Complaint:
I sent in a dispute letter to all Credit bureaus XXXX, Equifax, and XXXX  on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
To whom it may concern these hard inquiries in my credit file are from unauthorized use of my social security number. I did not authorize these hard inquiries to be made on my report nor they relate to anything Ive did. Im unaware of any of this. Please REMOVE these unauthorized inquiries from my information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Unauthorized Inquiries : XXXX XXXX Inquiry XXXX : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 I did not authorize this inquiry nor do I have any knowledge of it. Please remove ASAP

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 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX account holder. I wrote and mailed a check in the amount of {$1000.00} on XX/XX/XXXX. That check was stolen out of a postal box or truck, washed and rewritten in the amount of {$9500.00}, and processed at a Bank of America branch. My XXXX account was wiped out. I reported the matter to the bank as soon as I realized this, on XX/XX/XXXX. Account closed and new one opened. I reported to police. I filled out all XXXX and police paperwork immediately and was told my account should be settled in 7-10 days. I was relentless in going to bank, calling XXXX, calling XXXX claims... Targeted time for settlement became 30-60 days, then 60-90, then up to 120 days- with explanation that Bank of America had to sign off as the bank of deposit. It has now been 7 1/2 months with no closure in sight. 220 days?? XXXX would not extend me a courtesy credit when I requested it in XXXX -- trying to keep my small business afloat. Talked to co-heads of XXXX and XXXX Banking at XXXX. Talked to XXXX XXXX repeatedly. Resubmitting all documents as requested in XXXX, XXXX to XXXX XXXX XXXX and XXXX XXXX. at least 10 times. In XXXX, I spent money on my lawyer- asking for advice. I agreed to wait a bit longer to see if Bank of America would settle with XXXX, and then- XXXX with me. Nothing -- but, a lawyer fee : ( I was told by Chase that B of A acknowledged documentation on XX/XX/XXXX and acknowledged that my claim reached Adjustment Support on XX/XX/XXXX. I emailed B of A Adjustment Support on XX/XX/XXXX and heard nothing back. I called XXXX XXXX XXXX XXXX again today, XX/XX/XXXX and left a voice mail. HELP! Can Bank of America sign off on the fraud case and get the {$9500.00} back to XXXX and 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 explanation
Consumer complaint received 2023-12-09
Company: Carvana Group, LLC
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

CARVANA LLC XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe wells fargo is attempoting to steal hundreds of thousands of dollars from me through criminal lending practices. I entered into a deferement program with wells fargo due to being unemployed from COVID-19 related illnesses. Upon attempting to restart my payments a wells fargo employee told me " you do not have a choice in what program you use. '' i would get no explanation as to why i HAD NO CHOICE. after fighting back and forth with wells fargo and being threatened with foreclosure multiple times i reluctantly signed their paperwork so my family and i wouldnt be homeless. 

i was told by a wells fargo employee when i started the deferement program that the VA disaster relief fund would take all my missed payments and add them in months to the end of the loan. my apr would not change and my monthy payments would not change. 

when i tried to come out of deferement i was told by a wells fargo employee " you do not have a choice in what program you use. '' When i initially bought my house i had a loan for XXXX dollar in XXXX i made near 7 years of mortgage payements. after finishing this entire ordeal with WELLS FARGO and their criminal practices my new mortgage was RESTARTED AT 360 MONTHS, my APR went up close to 7 % and my monthly payments are close to {$2300.00} now. my monthly payment the day prior to deferement was XXXX. 

During the ordeal of preventing WELLS FARGO from putting my family and me out on the street and stealing my house i made THREE PAYMENTS AT XXXX, totaling XXXX dollars. i asked a wells fargo employee " where did that money go? '' and NEVER GOT A STRAIGHT ANSWER. that money went into somoenes pocket just like my near 7 years of mortgage payments. 

I was lead to believe i could recuperate and recover while out of work and " It'll be like nothing ever happened. '' Well a lot did happen. 

to reiterate XXXX. I was told by a wells fargo employee i could utilize the VA disaster relief fund when i inquired about the deferement program initially. 
XXXX. I was told by a wells fargo employee " you do not have a choice in what program you use. '' when i attempted to utilize the VA Disaster relief fund. 
XXXX i was told by a wells fargo employee " your monthly payment wont change, your apr wont change. the only thing that will change is the term of your loan. '' XXXX i attempted to restart my payments and felt as if i was being taken advantage of. 
XXXX i made THREE PAYMENTS OF XXXX and now can not find where any of that money went. 
XXXX i reluctantly singed papers so i could house my family. 
XXXX. MY LOAN HAS BEEN RESTARTED AT 360 MONTHS! 
XXXX. MY APR WENT UP TO NEAR 7 %. 
XXXX. MY MONTHLY PAYMENTS ARE NOW OVER {$2300.00} A MONTH!

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 2018-03-05
Company: Bread Financial 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:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. PaypalXXXX ( XXXX XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXXr XXXX XXXX XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through credit karma, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX. XXXX ) - I had a secured card from XXXX XXXX therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Harvest Strategy Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have never had a relationship with this company but came across a post on XXXX that greatly disturbed me. The VP of XXXX made an incredibly disparaging remark about XXXX XXXX ( XXXX ) in a public forum, where he compared her to the XXXX " character '' that was proven a hoax. 

Given the platform that XXXX in regulating financial entities, this seems not only irresponsible but completely inappropriate. As a VP of XXXX, I would expect him to comport himself with a completely different level of decorum. One could assume that his commitment to compliance may be questionable if he is so openly vocal and disrespectful to the members of congress who set those rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
So the issue is this is my third time applying for a Sams Club business XXXX and the reason I keep denying me they keep saying that my dbnnumber is not correct. Which it is the second reason they said they dont have my correct address but the at the able to mail me the decline letter I apply for XX/XX/2023 and he said it was pending. 
So the last time they told me to call them in the pending so I called and talk to someone in a symphony business XXXX so now it is saying my Social Security number wasnt on it which they already have them on file. Every time is a different reason they not see my credit agencies denying me. I belive because Im a XXXX business owner. Because they saying the same thinks which when I apply I go in to sams clubs with all the propers paper work.

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 2023-04-26
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2023, I received my statement from Avant credit card, the balance of which was {$270.00}. I decided at that time to pay the entire balance and close the account, which you can see by the copy of the check from my bank that I did so. The next month I received another statement ( XXXX ) showing the payment but also showing a fraudulent charge from somewhere in CA totalling with interest for {$100.00}. This was a good couple of weeks after I had closed the account and paid it off. I immediately called the company and explained that I had not made the charge and that the account had been closed. All they would do was ask me how much of a payment I wished to make. In XXXX the same thing happened again except now they added on a late fee. I called again and asked to speak to a supervisor and and again got the same result. I checked with my bank but since there was no product involved they said there was nothing they could do. There is a bit of a language barrier in speaking with the supervisors at Avant so I can't tell if they're understanding me fully or not. The last one I spoke to ( XXXX XXXX ) went through my file and all the copies I had sent and sounded like he knew what was going on and said it would be taken care of by the end of that week. I felt relieved and took him at his word. BUT ... not only did I just get a statement for XXXX in the mail, they have added fees onto it to total {$190.00}. Additionally they have begun harrassing me with text messages about making payment. I am quite furious but will try to call and speak with another supervisor today. I finally got your number through XXXX and was advised to file a complaint here as well. I realize this isn't a large sum of money but for a retired XXXX XXXX XXXX on a fixed income, I shouldnt have to pay for a charge I never made. 
Thank You, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: ALLY FINANCIAL INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Caller is allegedly trying to reach a XXXX XXXX regarding a XXXX XXXX. I am neither of these individuals nor do I know them. Further this is a emergency phone rarely used for calls and is primarily here for XXXX emergency doctor/ambulance purposes. Additionally I have been on the do-not-call list for both federal and state. I do not have nor have I ever had a business or personal relationship with Ally. Finally it costs me airtime to either make or receive calls and this is getting expensive.

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 2022-07-14
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a 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 2020-01-22
Company: Flagstar Bank, N.A.
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:
In XX/XX/2019 my mortgage was reported late. I phone in on XX/XX/2019 to pay my mortgage. The bank stated when trying to get the money out of the account. They had the wrong acccount number. I showed proof that the money was in the account at the time. It was a error on the teller part. They keyed the wrong information. Because of a error on their part my credit scores dropped.I have disputed they wrong reporting. I contacted the bank 3 times. No changed in the reporting.

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 2023-09-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a XXXX XXXX credit card which I used frequently. I became XXXX during the pandemic and had to stop working. My XXXX XXXX payments were delinquent and XXXX XXXX sold my account to a third party collection agency who were extremely aggressive and disrespectful to me over the phone. I asked the representative to help me pay a lower amount to use whatever workout plan that Midland had for customers who were in hardship from the pandemic. He said they do not have any such thing but could offer a discount of only 10 percent if I paid XXXX XXXX monthly. I was unable to keep up and the 10 percent was placed back on my balance. They sent me a schedule to pay XXXX dollars per month for 18 years. I can not afford this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX 2017 XXXX sold me XXXX Bitcoin Cash ( BCH ) at an fraudulent/unfair price of {$6000.00}. I then proceeded to sell the XXXXBCH at {$9500.00}, only to have my sell order rejected because they shut down the exchange due to a computer glitch on their behalf. I lost out on a sale of about {$100000.00}. I came back the next day to find the price crashed down and not able to sell. Because of their computer malfunction, I decided to hold off on any trading on the account until the issue was resolved. I have not received any sort of response from them, and they 've hung up the phone the one time I was able to get through to customer support. Because of this, it caused me to lose out on an Ethereum position that should be equal to XXXXeth not to mention time, energy, and money spent trying to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
XXXX, ( 3 ) Mortgage Options Pending Your Review .I did not authorize a mortgage lender to look at my credit

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 2021-07-01
Company: Experian Information Solutions Inc.
State: NY
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:
Credit Dispute was filed with XXXX Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from Merchant XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX XXXX XXXX whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with XXXX and Experian and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my Experian and Experian, and XXXX Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both Experian and XXXX  is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.

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 2020-04-20
Company: Eagle Accounts Group, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Child support was was requested to be taken off XX/XX/20 completely from credit debt report and still shows dull amount.frombbeginning balance. Needs to be removed asap completely from debt report on 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 explanation