BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.

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 2023-12-08
Company: OneMain Finance Corporation
State: IL
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:
XXXX XXXX XXXX XXXX I did not make this inquiry. 

XXXX XXXX XXXX ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry Onemain Financial XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
State: IA
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:
XXXX XXXX : XXXX Balance Transfer charges were applied to my credit card. Each in the amount of {$450.00}. XXXX of these charges for a total of {$1800.00} still needs to be credited. 
I have called the credit card company 5 times between XX/XX/XXXX & XX/XX/XXXX and can't get this resolved.

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 2021-02-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On the date of XX/XX/2021 Santander consumer USA illegally processed an unauthorized ACH on a returned check, this caused my checking account to be severely over drafted impacting my living situation. Not only was this done without my authorization, this re-presentment of a hand written check that was almost dated a week ago and already returned for insufficient funds, was illegitimately processed a 2nd time causing an unnecessary financial hardship. Practices such as this seem not only unfair but deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. 

has violated my rights. Or a list of inquiries : 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 2019-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank authorized a transaction for a company ( XXXX 's ) and then never showed it as taken out of my balance. This caused a chain reaction that caused over {$100.00} in overdraft fees or purchases totaling less than that through XXXX. I have never had a problem with this in the past, and always cover my balances. I never received a low balance alert, overdraft alert or any other of the several alerts I'm signed up to receive so I can correct the problem. Chase is stealing money from customers by the way they are posting transactions and that is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX I bought a car from XXXX in XX/XX/2015 got the loan from santender. The first week I had the car the check engine light came on so the car went into the shop so every month I had the car it was in the shop until the engine final gave out and they didn't want to pay {$7000.00} for a mother so they sold it and left me with the remaining balance. Since then my life has been a living XXXX I'm homeless living in a tent outside with my son I can't get a place because my credit is bad I can't get a job nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were XXXX transactions that added up to {$150.00} in total in fraud. The company found it as not fraud. But I would like to appeal it. I also would like to appeal the many unreturned checks on my account. There are many {$29.00} charges on my account from transactions I didn't authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Person made a post on XXXX selling car parts on XX/XX/21. I proceeded to buy car part from this person for {$1000.00} thru XXXX and my bank Capital One. Found out next day XX/XX/21 it was a scam, I immediately contacted XXXX and Captial One about the fraud/scam. Both companies said they could not help get my money back and refuse to help which I'd think I'd be protected against fraud from my own bank, but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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:
Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  {$120000.00} ( late payments ) 2. DEPT OF XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX  {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2021-02-02
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/22 @ XXXX called MRS associates to discuss collection notice on my account. I asked if payment were to be made if it would be removed from the credit report. I was told that they report to the credit bureaus every 30 days. I also advised I would need a letter stating that the debt had been cleared and that it would be removed from the credit report. I was told a " release of debt letter '' would be sent. 

The XXXX agent omitted the fact that the letter would not include the language I had requested and did not indicate that, as I was told later on, no " pay for delete '' would be possible. 

I believe that they were deceitful in their attempts to obtain payment and lied by omission. 

Further, XXXX confirmed this was sent to straight to collections. I was not given an opportunity to make good on my debt. I still have an account with XXXX for Internet services. No billing indicated I was delinquent and service was never cutoff. Further, they have record of our transfer service request with our new service address. 

In follow ups with XXXX XXXX, repeatedly told it would be removed from Credit and yet no follow ups.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received credit report alert on XX/XX/2023, logged in to view alert had a company DBA Paragon Revenue GR, with address ( XXXX XXXX XXXX XXXX, NC XXXX, Phone XXXX XXXX XXXX XXXX XXXX Collections Balance Date, Balance. Tried calling immediately, XXXX XXXX XXXX. Contacted company next day XX/XX/2023 to verify debt. Advised rep I have not received anything in the mail for this debt. I have paid all my bills on time, even payment arrangements on time and have not had any collections on my credit in the last 5years. How can something be placed in collections if I was never given notice of an outstanding bill, the account number, where to pay, how to pay, or even set up payment arrangement? The rep could not give me any information and kept asking me for account number which I did not have because I have not received any type of bill/notice, and then asked me for my social security number which I did not give due to have recently been a victim of data breaches through several providers I have accounts with. I did give my name/ date of birth, address for identifiers. The rep advised without an account number/or ss # he could not help me. If I had been given a notice, pay by date, or someone to contact to make payment arrangements this would have never made it to collections. My credit has been clear for some time, and I have made it an process to always contact a biller for any outstanding debt once I receive notice that I have an outstanding bill. I have no clue who turned me into collection and for what and when I incurred the debt. My information is limited all I have is what is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I trust this message finds you well. I am writing on my behalf to address a recent 30-day late payment entry on my credit report, specifically from XXXX XXXX XXXX 

* Proven Financial Responsibility : * Throughout my credit history, I have consistently demonstrated responsible financial behavior, maintaining a strong track record of timely payments. The recent oversight is an anomaly and not indicative of my usual financial habits. 
* Challenges Due to Loan Company Practices : * The late payment was exacerbated by challenges stemming from the practices of XXXX XXXX, such as a. Not reinstating my autopay when I called in on XX/XX/XXXX and b. Prior to calling in on the XXXX - XXXX XXXX had a bug on their website where customers were unable to make payments. This bug lasted a few days and led to me wanting to utilize auto pay in order to say current. These external factors contributed to the delay in my payment, despite my ongoing commitment to meeting financial obligations promptly. 
* Consistent Positive Payment History : * Over the years, I have maintained a commendable payment history with XXXX XXXX underscoring my commitment to fulfilling my financial responsibilities. This isolated incident does not align with my established pattern of responsible credit management or XXXX XXXX and Is outstanding relationship. 

Considering my overall creditworthiness and the external challenges posed by XXXX XXXX procedures, I kindly request the removal of the XXXX late payment entry from my credit report. Doing so would ensure a fair and accurate representation of my true creditworthiness and financial responsibility. 

I appreciate your attention to this matter and thank you for considering the circumstances surrounding this isolated incident.

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 2023-09-05
Company: ONLINE Information Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of identity theft in NY. The company XXXX XXXX opened an account in XXXX, in my Name XXXX XXXX My Last name is from my first married now XXXX XXXX. I moved to Florida, and I have been here in Florida since XXXX. I do not have an idea who opened an account and why XXXX XXXX did not ask for Identification from the person who called for service. I know about it because I am in the process of buying a house and I am monitoring my credit score via credit karma. I saw that in my record, and I immediately called XXXX XXXX and they referred me to the agency of collection Online information service. 
I called the agency of collection, and they gave me the information. I let them know that couldn't be me because I moved to Florida in XXXX. They gave me instructions on what to do, file a police report, and send a copy of my driver 's license, and proof of address by the time the account was open. 
I sent all the information that they asked me for, and I received a letter saying that they had received the information. 
I really need them to remove that information from my records as soon as possible. 
Thank you so much for your support! 

sincerely. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
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 am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: Conn's, 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 recently reviewed a copy of my credit report I was shocked to learn that I have been evicted identity theft I found numerous accounts on my credit report that were not open by me This has been hurting me is I am in the process of buying a home for my family please remove the fraudulent accounts from my account from credit report as soon as possible thank you!

Company response to consumer: Closed with explanation