BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well

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 2021-07-14
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I placed an order with XXXX XXXX in XXXX, I never received the items but was charged for the items by Comenity Bank. I sent a letter to Comenity Bank, explaining that I never received any order and I wanted these charges removed. This letter was sent to Comenity Bank on XXXX XXXX. I called and the rep told me that I'm still responsible until XXXX XXXX refund me and then they will work with the late fees and that I had to pay on the bill to keep late fee down. I then paid {$40.00} with that rep because he said they will refund it back to me. I agreed to pay the {$40.00} so that they wouldn't report late on my credit. I also sent in affidavits to XXXX XXXX on XXXX XXXX, after they keep telling that they had sent affidavits forms in the mail and which I never received them either, so another rep from XXXX XXXX walked me through the website to print the forms my self and that is how I got forms to send off. I also called XXXX XXXX to check for the credit for my account on XXXX and learned that they had sent Comenity Bank a credit of {$34.00} and {$22.00} was the wrong amount, it should have been {$33.00}. So that left a shortage of {$11.00}. So I called XXXX XXXX back and they went ahead and refunded the {$11.00} and sent it over to Comenity Bank. So in the process of trying to get refunded for a non received order of {$68.00} has resorted in Comenity Bank charging me on a order that I never received in the amount of {$83.00} in late fees. I tried reasoning with the account supervisor by the name of XXXX in customer service and also spoke with XXXX who stated that she was the senior account specialist and they showed no concern of helping to fix this issue. I was wrongfully charged these fees and want my credit of my {$40.00} dollar payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full to the attorneys on file on XXXX, XXXX XXXX. On XX/XX/XXXX the collection agency reported me and my credit score is  negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account numbers XXXX NOT MINE REMOVE THIS DEBT ASAP! 
This is the 6th time that I've reported this and it's still defaming my credit report and my character!

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 2020-11-10
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter that Suntrust Is closing my account. One of my checking accounts closed due to a negative balance of {$180.00}. I called Suntrust recovery department & told them that I would be paying the {$180.00} on XX/XX/2020. But the letter states my account would be closed. I disputed two transactions on XX/XX/2020 I was ruled in favor of. But now my account is subject to closure. I understand why Suntrust wasn't able to refund me all the overdraft fees.

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 2021-07-14
Company: EQUIFAX, 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:
My Information was involved in an Equifax data breach as well as my information being compromised during Covid-19 such as My social security card and accounts when I did not have a stationary address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus ; asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent them. THey have not yet responded.

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 2021-11-06
Company: Penn Credit Corporation
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sir or Madam, Today from my XXXX account PENN CREDIT CORPORATIO has flagged your account as Collections on XX/XX/2021 I assume they have also contacted the other 2 credit bureaus, which adversely affect my credit. This action is over a debt which is 3.5 + years old which I have I NEVER received a bill for, not one. I have tried to work with the collection company to Identify if this is my bill. I have assured them that I will pay the bill expeditiously ; if we identify it as my debt. They respond with form letters and emails that say not to respond. They did commit to ask for a copy of the original bill and any subsequent payments received below : From : XXXX, XXXX EMAIL Dated : Tue, XX/XX/2021 at XXXX AM Subject : RE : ID # XXXX To : ME The dispute was sent as of XX/XX/2021. Please allow approximately 30 days for response. If you havent received the response within the 30-day period, please contact Penn Credit Corporation XXXX XXXX or email us directly at XXXX. 
Its now been over 60 days and they have flagged your account as collections with the credit bureaus ( s ), Yet they have not provided me the proof it was my bill [ promised above ] and now they are actively pursuing collection of a dispute charge. 
I have attached my XX/XX/2021 which restates my willingness to pay and what I need to do that along with screen shot from my XXXX account page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Im from XXXX and i created an account in Coinbase to buy cryptos, i had to verified my identity, they asked me a national ID, after that, they sent an email that says you are verified. When you are verified, you can buy and sell cryptos, so i buy some cryptos but now i cant sells it and i cant receive my money. I tried to contact with costumer services but they cant solve the problem. They are dont telling me why i cant sell. The costumer services are so awful, I red some reviews on internet and there are a lot of people with the same problem. It looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Guild Mortgage Company LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX, Loan Officer NMLS XXXX, from Guild Mortgage ran a credit inquiry pull on my credit without first asking for my permission. I did grant him permission to perform a credit pull back on XX/XX/2021 for a pre-approval which expired 90 days afterwards. I did speak with XXXX 's branch manager, XXXX XXXX on XX/XX/2021 whom basically told me well they " assumed '' and just pulled my credit since the home my wife and myself are still contemplating on closing on would be XX/XX/2021. This home is a new build, but we are still considering and entertaining other options for a home purchase, along with other options for financing. I asked both XXXX and XXXX to reverse the credit inquiry and was told that isn't going to happen and to void and shred any documents they received as I won't be conducting business with them. 

Ultimately, I want them held accountable and forced to remove the unauthorized inquiry for all 3 of my credit reports with XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I sent certified letter to XXXX XXXX disputing an item in the amount of {$900.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/ which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have written letters to Transunion and XXXX about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.

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 2021-07-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We closed our account on XX/XX/XXXX over the phone. We were told we would receive our funds, {$51.00}, by check in the mail. The check never arrived. 

On XX/XX/XXXX I called the US bank customer service line to let them know we have not received our funds and to request them. I was told to wait 90 days to get the check in the mail. 

In XX/XX/XXXX I visited a local branch and spoke to a US Bank client consultant who said he was goint to investigate an get back to me. He called me back about a week later to tell me he was unable to help me and that I should call the customer service line or wait the 90 days. I never received the check. 

On XX/XX/XXXX I called the US Bank customer service line. The agent could not give me any information regarding our funds, nor could find any information that a check was issue to us. After being transferred back and forth to diferent agents, finally a representative opened a claim for me and said I would get a response withing 10 business days. I never got a response. 

On XX/XX/XXXX I called to inquire about my claim. I was transferred and nobody could give me any information on the status of my claim. I was told someone will call me back, but nobody did. 

On XX/XX/XXXX I called again to inquire about my claim. I was told the system was down and was transferred to another line. No one picked it up, so after several minutes I hung up. 

I called a local US Bank branch to make an appointment to speak to a manager. They told me an appointment was not necessary, they will send an email to US Bank on my behalf.

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 2018-11-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was booking a XXXX cruise. When I got to the payment page there was an option to apply for the Barclay Carnival credit card. I applied for the credit card and was approved for funds greater than the cost of the cruise that I was booking. After showing my approval, the page prompts to complete the booking. When I selected the complete booking option I get an error page with nonsense script. There is no option to complete the booking process with the credit card that was just opened. 
I did video the process. The process repeated when my husband tried doing the exact same process to open an account.

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 2021-11-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE XXXX XXXX CREDIT CARD WAS REMOVED FROM MY ACCOUNT AS A CHARGE OFF, DUE TO IDENTITY THEFT. I WAS PLACE BACK ON MY CREDIT REPORT. I HAVE DISPUTED THIS IS NOT MY ACCOUNT AND THIS IS IDENTITY THEFT. THE COMPANY HAS SINCE REMOVED TWO OTHER CREDIT CARDS AS THEFT, BUT THE FIRST CARD TO BE OPENED THEY STATE IT MINE, WHICH IS ABSURD. I HAVE INCLUDED MY FTC REPORT, POLICE REPORT, MY STATEMENT AND A LETTER FROM XXXX XXXX WHICH STATES THAT THIS ACCOUNT WAS OPENED ON THE INTERNET. ANYONE COULD HAVE OPENED AN ACCOUNT IN MY NAME, WHICH IS EXCATLEY WHAT THEY DID. XXXX XXXX HAS NO SIGNATURE OR INFORMATION THAT WAS GIVEN TO THEM OTHER THAN AN INTERNET APPLICATION. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Village Capital & Investment LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Payment was sent on the XXXX of XXXX from my XXXX account and was never processed at the XXXX processing payment center until the XXXX of XXXX. 

So I sent copies of my bank documents showing it was sent in plenty of time, yet I know am being charged a late fee, for sending my payment 6 days prior to being officially late on the XXXX. 

Apparently I as well as many have experienced this same issue without resolution obtained from the XXXX Nevada XXXX XXXX, who apparently handles the XXXX Payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting correctly. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late as well as a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-11-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2021, {$0.00}, XXXX has obtained my public information and sold it to Equifax, XXXX and XXXX. Equifax, XXXX, and XXXX state on their website that they obtain local, state, and federal courts info THROUGH a third party vendor, XXXX. Without my permission, XXXX purchased my information from XXXX and sold my information to Equifax, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that XXXX did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I researched XXXX and went on the website. In order to get my public records I had to pay a fee. Which means XXXX had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, EQUIFAX, XXXX, and XXXX clearly violated these laws, 15 U.S code 1681m. I was never notified Orally, in writing or by electronic NOTICE of the adverse action to my consumer credit reports. Another law they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation of 15 U.S code 1681i.

Company response to consumer: Closed with explanation