BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX has a account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's 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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I, the consumer, have identified multiple unauthorized inquiries with either open, closed, or no accounts. Whenever I call TransUnion, XXXX, or XXXX about this issue I am told that the inquires are accurate ( when they are not ) and I should add an identity theft ( which I do not want ) alert on my credit profile. TransUnion, XXXX, or XXXX can not furnish factual or nonfactual information that is a result from a transaction that arose from my credit card. First, I, the original creditor and consumer can verify what is and what is not accurate. I never gave TransUnion, XXXX, or XXXX the authority or permission to furnish or update a credit report on my behalf. They did not inform me with me first about any of the inquires or updates before verifying that it is mine. This has been going on for almost 2 years and I am extremely tired of this. I submitted an identity theft report several times and still being taken advantage of TransUnion, XXXX, and XXXX credit reporting agencies. I am a natural human being and I have more power and rights that any person who consider themselves a business or organization. TransUnion, XXXX, or XXXX are criminally and civilly liable for reporting inaccurate inquires.

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 2020-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX hold on an government issued check. 

XX/XX/XXXX and received an email stating the funds will be available by XX/XX/XXXX at XXXX funds are still available and the bank has started to withdraw.

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 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
in accordance with the fair credit reporting act these creditors have violated my rights. 

XXXX ) XXXX XXXX  account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank of America, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) XXXX ) XXXXXXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 

15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report.

Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card that was applied for around XXXX which was originally " Air Tran ''. 
I am not sure which year ... but it was taken over by XXXX and Chase Bank. I had a balance on it through " Air Tran '' that was under a promotional rate of 3.9 % until it was paid off. During the time that I was paying down the credit card ... I never used the card for purchases. I had paid the credit card off in early XXXX. I still did not make any purchases and then in XX/XX/XXXX ... I see a {$39.00} charge. When I originally applied for this card ... there were no fees. Because I did not make purchases ... I never reviewed my statement as I just continued to make the minimum payment ... for many years. After reviewing my previous statements, I realized that they have been charging this fee since XXXX. I immediately cancelled the card. ( I had a XXXX limit on the card ) They waived the {$39.00} fee for XXXX but refused to waive the fees from the previous year. I was never given any proper notification ... no email ... nothing in the mail. I want my {$78.00} back. I asked them and they refused. I am assuming since Trump took over ... the credit card companies are back to their old ways. They started charging the {$39.00} years after they took over the credit card. They are a big bank making big money off of the little guy!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Blackhawk Network Holdings Inc.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today I checked my chequings accounts and its XXXXXXXX XXXX XXXX which made no sense to me. I checked what caused the money amount to be in the negatives and saw a " Auth Reversal Expired '' by CASHSTAR GF. I contacted my bank at first to see if they could do something because Ive never had to deal with this before. They then told me to contact the merchant, which I did and they said they refunded me the XXXX XXXX originally. I originally purchased a card off XXXX giftcards for XXXX, the purchase failed but took my money, which was then refunded in the next XXXX days. Then I checked today as I said and I got charged by what seems to be another gift card company which I had not purchased anything from. I tried to contact XXXX but never heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX Account number XXXX Status Account XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281,715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. '' This account is involved in litigation.

I have been threatened by this company numerous times. 
I also have let XXXX XXXX, Experian, XXXX, and XXXX know that I have been on XXXX XXXX in the XXXX XXXX and have know knowledge of this Account in my name!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX. I sell Flavored sweet teas and flavored lemonades ; freshly made. I attend events, fairs & festivals, etc. I took payments from customers on XX/XX/2023 using my Square reader and now Square is telling me my account has been deactivated for NO REASON at all and they will not release my funds to me {$100.00} minus fees which is {$100.00} that is due to me. What is going on! I need my money and the reason WHY my account has been deactivated with no explanation and I did not violate any policies. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not initiate these inquiries, and I believe they are fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Resurgent Capital Services L.P.
State: NJ
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 and for the record, I contacted LVNV FUNDING, LLC after noticing that LVNV FUNDING, LLC is listed as a derogatory mark on my Credit Report ( s ). I contacted LVNV FUNDING, LLC in XXXX regarding the alleged debts listed at {$2000.00} and {$2200.00}. LVNV FUNDING, LLC FAILED to produce the evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. My investigation is evidenced by Certified Mail Number XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Mountain Run Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company Mountain Run Solutions purchased a debt from XXXX. This debt was for alarm system service agreement I did not purchase at an old Address I didn't live at for nearly 3 years prior to the time of agreement. I lived at address stated in contract for a few months in XXXX with my girlfriend at the time after which I had got my own apartment. I have submitted disputes to credit bureaus as well as Mountain Run Solutions. I have requested verification of debt and proof of statue of limitations. They have provided contract of service agreement showing date of contract as XX/XX/XXXX. This appeared on my credit report in XXXX of XXXX. Upon receipt of contract from collection company it further proved this wasn't my debt and I did not sign nor have any such knowledge of contract. I have requested they immediately remove from my credit report. Since then I have received additional notifications from XXXX advising they consider the debt to be accurate. On this Contract which I intend to submit additional disputes in writing it shows my name and social security number which I did not provide. The contract also advises that they will obtain a credit report before services was provided. They did not do so in accordance with their own contract as I have had a fraud alert on my credit report and would have been notified and could have confirmed this wasn't me that was opening the account. Furthermore, this contract didn't have my signature on it what so ever, nor did it have my phone number on the contract. So other than someone putting my name and social on this contract there was no agreement by me entering into such agreement. This doesn't even take into consideration that as a XXXX I was stationed XXXX  from the end of XXXX through early XXXX. I'm truly devastated that the credit bureau 's do such a poor job verifying debt and allow creditors to falsely destroy others name with zero repercussions. I have determined 10 different evidence points that this debt doesn't belong to me. However, feel very disappointed that it's so hard to clear your good name. Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank ( for Home Depot ) recieved my payment ontime on the XXXX. They acknowledge it was recieved on the XXXX. They have charged a late fee of {$29.00} because it was a weekend and my bank did not release the funds because it was a weekend.

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 2018-12-22
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: Old information reappears or never goes away

Complaint:
I cancelled my service with XXXX a few years ago but they continued to charge me ( I had moved to a new apartment that included Internet ), and they refused to fix the issue. They then placed my account in collections. I've successfully disputed the debt several times, but it keeps getting re-added. Here 's the dispute history with Equifax : Confirmation # Status Dispute Date Completion Date Results xxx PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX  COMPLETED XX/XX/XXXX XX/XX/XXXX Expired XXXX  COMPLETED XX/XX/XXXX XX/XX/XXXX Expired I think I've disputed it with XXXX  as well but I don't think it's ever been re-added there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Twice within the span of a year, Bank of America has declared me dead. XX/XX/XXXX they said they transposed digits to someone else 's SSN for their death certificate and they ended up inputting my SSN instead and sent my SSI check that I live off of back to SSA. It took until XX/XX/XXXX to receive the 3 months of funds that I didn't get on time due to this error. 
On XX/XX/XXXX, Bank of America did not deposit my SSI direct deposit for XXXX into my account, NOR did they send it back to Social Security Administration or notify them that Bank of America declared me dead again. We spoke to BoA on XX/XX/XXXX and XXXX XXXX ( a representative from the bank ) informed us that they received a death certificate for me from a 3rd party on XX/XX/XXXX. After talking with the bank again on XX/XX/XXXX, we were told there was no death certificate or 3rd party. SSA still has me as alive, and received no notice from Bank of America that they declared me dead. Bank of America committed bank fraud by not depositing the money into my account, and by not returning the money to Social Security Administration. This also constitutes as wire fraud because it was direct deposit, and I face losing my home for the 2nd time due to Bank of America 's federal criminal actions.

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: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a credit card account with the store XXXX, administered by Comenity Capital Bank, in XXXX of XXXX. I received a bill in XXXX with a closing statement date of XXXX. I received the bill during the XXXX week of XXXX ( don't recall exact date ) and sent a check on XXXX. I did not check the due date, which was XXXX, so I accept the {$30.00} late fee on this one. The next statement closing date was XXXX. I received that bill on XXXX ( Saturday ) and sent payment on XXXX ( Monday ). That payment cleared on XXXX, so that meant another late fee. There was no way I could have sent it any sooner! In XXXX the statement closing date was XXXX. I sent payment on XXXX, the same day I received the bill. It didn't clear until XXXX ... another late fee! Apparently, no matter when I send the payment, it will not be cleared until it is late! For the XXXX bill, it closed XXXX. I received it XXXX. Based on the history, I realized there would be yet ANOTHER late fee so I called to complain and challenge the fee and I closed the account. I paid the late fee while on the phone with the company. This seems to be a scam!!! I checked the mailing address each time there was a late fee to be sure I had it correct. My credit score was XXXX on XXXX. I do NOT pay bills late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Did not receive car title

Complaint:
Requested Hyundai Finance to expediate the process of getting state title transfer from TX as I only have 30 days to register my car and get new plate under law in WA once moved. They mentioned it will take minimum XXXX weeks and refuse to expediate after calling numerous times, mentioning their system will not be able to override and refuse to provide an alternative solution to the urgent issue. 

I am also requesting this for my protection to show in case Hyundai Finance continues to postpone and was unable to provide state title to my Vehicle registration office at XXXX XXXX and Services in XXXX, WA on time. Just in case I get tagged for the {$520.00} minimum traffic fine as a resident and did not license my vehicle in WA due to this delay. 

I submitted the formal request for state title transfer under Hyundai Finance portal on XX/XX/2023, and now only have XXXX more week until the 30 day limit is up. Attached is what the current status is showing which is still XXXX weeks process time until they will be able to transfer state title which is too long.

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 2021-04-23
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have called twice today to make a payment and was told that I have to call back because the " system is down ''. I asked whether my account would be noted with the fact that I have called twice and been told to " call back in an hour ''. I was told no that I would simply have to call back.

Company response to consumer: Closed with explanation