BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2020-10-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.

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 2017-12-17
Company: DISCOVER BANK
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 various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Account status incorrect

Complaint:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

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 2023-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized credit inquires on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Account information incorrect

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Per XXXX XXXX, they advised all XXXX credit bureaus to remove from my report in XX/XX/2022. Has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Incorrect Addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect personal information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Account status incorrect

Complaint:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, XXXX form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX  who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Account status incorrect

Complaint:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

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 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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 had been a customer of Bank of America in good standing with a credit card opened on XX/XX/XXXX, with a credit card limit of over fourteen thousand dollars. I always paid my credit card on time however I had a horseback riding accident where I XXXX  XXXX XXXX  and was XXXX  for several months. I am a XXXX-year-old woman while fit at the time recovery was not easy. Unknown, to me there was a small balance of under {$9.00} that accrued from XX/XX/XXXX, XXXX XXXX during this time. I never received even one phone call from BOA regarding the {$9.00} balance. So it resulted a several months of late payments and then without any notice BOA charged off the account. It was not until I signed up for a credit monitoring service that I even became aware that I had a balance with BOA. 
I was shocked to learn what had happened and BOA put the account into default over {$9.00}. I immediately paid the account that with late fees as I recall it was a mear {$35.00}. This is a rounding error for BOA but they seem determined to destroy my excellent credit earned from years of hard work and paying all my bills on time. 

They have refused to speak with me and I have repeatedly been told that this is " not our problem ''. I also want to mention that I had a mortgage with BOA from XXXX that every single payment was on time just like my credit card until the time of my accident.

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 2023-09-19
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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:
I attended a free trial class on XX/XX/23 at XXXX am and was brought to the side to discuss signing up for recurring paid classes. I signed up without my husband there to discuss further. Their no refunds for unused classes was explained to me under the impression, and rightfully so as it is actually under their missed classes/make up classes section of the agreement, that there are no refunds for any missed/unused classes that are not rescheduled. A few hours later after leaving at XXXX pm and getting home at XXXX pm I called and texted to discuss canceling the program altogether and a refund as no services will be rendered. They tried to say that the no refunds on unused classes applies in this case even though it shouldn't for many reasons, mainly XXXX being XXXX 3 day cooling off period rule AND that it was only an hour or so after signing AND that I have not received any services yet or wanted to after considering it further. After explaining this all in person, they then provided me with a paperwork that I was not aware of XXXX signed myself that stated a no refund policy at all! It even says " telephone order '' on the signature section of this document where I was supposed to sign but DIDN'T. This was NEVER explained, brought up, signed, or discussed with me. I feel like this is grounds for a refund in all senses but also a change in their policy or procedures for this paperwork to be read, visible, and signed by buyers so they can not fall into it like I did. So I proceeded to file a chargeback/dispute with my credit card XXXX and they stated I didnt cancel prior to the processing date although the processing date was XX/XX/23 at XXXX am and I canceled same day, a few hours after at XXXX pm. This did not make sense to me. XXXX ( the merchant ) has kept the cancellation paperwork which showcases I signed same day to cancel and after attempting to retrieve it they have not provided me it. I asked the bank for dispute resolution evidence that made them side with the merchant and they have not provided me it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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 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 XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: USCB, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested they send me everything they have from centracare to validate the debt and to also make sure certain Hippa protected information wasnt sent to them also as part of the collection. I have not heard a word back from them. They are in violation because they have not sent me requested information. Also my last name changed after the service was performed at XXXX. It was Theis and now its XXXX, I divorced last may.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Morgan JP Chase, has failed to provide vehicle title greater than 30 days. per regulation : CALIFORNIA An effective transfer requires endorsement and delivery of certificate of ownership by transferor to transferee and delivery by transferee of the certificate to the DMV, with proper transfer fee and application for transfer of registration, within 10 days of receipt by the transferee. 


I called the bank and sent the necessary paperwork. They said they would look into and have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had numerour overdraft feesassesed to my account. i have overdrawn my account with knowledge that I am going to be penalized with a {$37.00} overdraft fee. I get that. However, there are transactions that are in pending status that have been charged to my account and funds are available. It is NOT the customer 's responsibility to process the payment. It is the merchant that has not posted the payment or I do not know what the problem is here. TCF bank had entered into a Class Action Lawsuit as they charge their customers these ridiculous fees. This is a scheme ran by a financial institution that does not care about their customers finances. light has to be brought top this issue.I have submitted a complaint against this company before. The issue continues to occur. It is overwhelming to go buy groceries and not have funds available and have to put all the food back with XXXX small kids watching! I have contacted TCF Bank I requested to speak to a Supervisor three times and i am placed on hold for a long time. I requested a call from a Supervisor and no one called back. Pending transactions are not due to overdrafting!!! I should not be charged an overdraft fee for " pending transactions. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions 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:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

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 2023-02-28
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:
On XX/XX/XXXX 2023, I sent a complaint regarding the removal of these erroneous items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$410.00} These items are still in my credit file and I want them removed ASAP. This complaint is my follow-up attempt to inform you that the items must 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 non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: TX
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 have sent three certified validation letters to XXXX, XXXX XXXX, Equifax, XXXX  and XXXX  starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX  Account # XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX XXXX Equifax XXXX Account XXXX XXXX {$5800.00} XXXX XXXX Equifax XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank CLOSED MY CARE CREDIT ACCOUNT WITH NO NOTIFICATION TO ME! After reaching them today, XXXX/XXXX/XXXX, I was told the account was closed for " lack of activity ''. The " customer service representative '' FAILED TO EXPLAIN WHY HOWEVER, I WAS NOT NOTIFIED OF THE ACCOUNT BEING CLOSED!

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