BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, VAXXXX  ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6600.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.

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 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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/XXXX Bank of America Today my debit card was denied for the third time since I started my trip from NH to Florida, which started in XXXX XXXX. The first encounter was in XXXX. and after contacting them they understood my situation and told me that they would put a note on file. A simple understanding. Then in western part of Florida it happened to my wife and I again, called them and they unlocked the account. Today my wife was declined for a gallon of milk, and of course when we returned to the rv site my wife could not log in to our account. She also tried several times to call, but the system did not see the account. I tried and after several attempts got through there very unfriendly automated system got through to a real person. I might add very nice and understanding, well of course. Well after some time with her she saw the transaction and other issues for the day. She said that I would need to speak to another department to resolve it. I was transferred, and that took some time and went through the whole thing again, once completed, I was told the account was closed due to a corporate decision. I was shocked, 20 plus years no reason nor any advanced notice. Now I wanted to know about the funds I had between savings and checking which I might add a substantial amount and everything I have. Being on vacation with nothing is no way to treat a long-time customer. I was told to me that he would put in request to release funds to another location of my choice within 1 to 5 business days. Now what pan handle!

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 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I called, and called, and called. I asked to have my account closed due to unauthorized purchase and activities. I have been patiently waiting for my new card for almost 4 weeks now My name is XXXX XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX, CA 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 2022-02-24
Company: Harley Davidson Financial Services 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: Account status incorrect

Complaint:
I purchased a motorcycle from Harley Davidson XX/XX/XXXX. First payment due XX/XX/XXXX in the amount of XXXX. I made 4 payments totaling XXXX before the due date which is the XXXX of every month. The months XXXX and XXXX of XXXX no payments were due because of the overage on the account balance. XXXX XXXX my motorcycle was stolen. I alerted the insurance company in which they paid me XXXX which was applied to the account on XX/XX/XXXX well before the account was 30 days late. Harley Davidson Financial reported this account late from XX/XX/XXXX up until the latest reporting of XX/XX/XXXX. This account was paid years in advance and finally paid completely off XX/XX/XXXX and closed that month. I never made a late payment on this account. I've tried getting this account corrected with the creditor to no avail. I then disputed this account with the credit bureaus XXXX, XXXX, and XXXX, they did not remove the negative reporting despite receiving proof of payment received before the due date. They are also allowing the creditor to report the account 120 days late in the year XXXX. This account is paid in full and closed since XXXX of XXXX. This is the only account in bad standing and it destroying my chances of owning a home due to the recent reporting negative activity despite it being paid in full and closed. This company has a track record of this behavior and something has to be done to help consumers when we've tried every avenue to get errors being reported to our file corrected. I'm asking that all credit reporting agencies remove the negative remarks and late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Assoc # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: WELLS FARGO & COMPANY
State: FL
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:
Fraudulent. Transactions on  my. Wells Fargo.   XXXX   ( as per uploaded picture ). Police are treating it as a stolen card. But Wells Fargo think I  used it even though The Person in question is on  XXXX . Fraudulently using my card in the  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
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had disputed a collection account from XXXX with TransUnion in XX/XX/XXXX. Transunion could not verify the account and deleted it from my report. Transunion then reinserted the collection without a written notice within 5 business days which is required by the FCRA. I sent Transunion a reinsertion letter on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from Transunion.

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 2022-02-24
Company: EQUIFAX, INC.
State: NJ
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 XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-01-16
Company: EQUIFAX, 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 found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Transunion charged my credit card for a purchase I was unaware I was making. Inever seen any invoice or contract stating I would be charge to gain entry to my account which I thought was free. Now I ahve been charged XXXX for information I already knew. Not only this XXXX and transunion credit scores are XXXX points different than XXXX. I am needing purchase a hoomme and I am being locked out because of this difference. Everyone of these lenders are using XXXX or Transunion so you pay enormous finance charges. This needs to be fix by someone. The poor people who are needing cars and homes finaceed are the ones who are being put in position of paying outrages finance charges. This makes no sense lenders charging the poor more for credit yet they say your credit scores are low. Does not add up chrg9e you more so you have a harder time paying. Anyway, I do not know why I was charged this fee to log onto a account i already had. And if someone can help poor people have a chance for fairness then we all will be betterr for 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 monetary relief
Consumer complaint received 2023-06-23
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: Reporting company used your report improperly

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Its XXXX  I just got out of XXXX can u please help me I dont understand this stuff on here

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 2023-09-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit 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 received my first billing statement from SYNCHRONY CAR CARE I spoke to XXXX XXXX XXXX they offered a 24 month promotional financing. I got my first billing statement and it shows 24 months financing. I get a email on XX/XX/2023 stating I called to update the promotion financing. I called SYNCHRONY CAR CARE on XX/XX/2023 advising them I never made a call to them to request a different financing only to be told it was not offer to me. I was too by the merchant XXXX XXXX XXXX he could offer me 24 months financing, I even have it in a text message from them. I

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 2022-02-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-02-24
Company: MIDFIRST BANK
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed for Bankruptcy a little over 3 years ago. I was having medical issues and had accumulated a stack of medical bills and had gotten behind on my mortgage. I was following my bankruptcy payments and making payments until I got sick again I got behind on both my Bankruptcy payments and my Mortgage again but was able to catch back up. I had a habit of rounding my payments up and the extra money went into a partial payment ( unapplied ) account. I incurred fees due to falling behind on my Mortgage and sent extra money to cover them, however this extra money kept getting put in the unapplied account and my statements still showed a small past due amount. 
when I received my XXXX statement I noticed that I had built up this amount quite a bit and calculated the difference for what I needed I submitted my payment with a note to combine my payment with the unapplied amount and bring my account current. The Mortgage company put it all in the unapplied funds account instead. My XXXX statement showed {$910.00} past due and {$910.00} in my unapplied account. more than enough to cover the payment. I made my regular payment and again asked the Mortgage company to apply the unapplied monies to my account. Each statement even includes a note that states " Once we receive funds equal to a full monthly payment we will apply those funds to your mortgage. '' They continued to ignore my request to do this. My XXXX statement showed {$910.00} past due and now {$910.00} an increase of {$4.00} from my rounded up payment. 
In XXXX my statement showed that they started adding fees to my account and they took {$290.00} from my unapplied account to put towards these fees. including an outrages {$200.00} Late fee. My payment was never late only diverted into the unapplied account by the Mortgage company so no late fees should have be charged, they should have followed their own policy as stated on each statement and as requested by me and applied the amount to my account. The other fees are not even explained and on my XXXX statement another {$500.00} was added. 
They have misused the funds I have sent them. Ignored my requests and are now bombarding me with unreasonable fees. I also received a letter stating that they did not receive my XXXX payment even though it shows they did on my XXXX statement. It was processed on XX/XX/21.

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 2022-08-09
Company: The CMI Group, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation