BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX. This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.

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 2023-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time but they are inaccurately reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-06-08
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Calvary and all three credit bureaus ( XXXX, XXXX, and XXXX ) regarding an account on my credit report that Calvary alleges that I owe. I asked all companies to provide me documentation that I owe this debt. Calvary sent me a statement sheet that showed a balance. I asked them to provide me with the contract that had my wet signature to verify that this account actually belonged to me and they have not responded to me at all since the first letter I sent to them. The last letter I received was dated XXXX. It is now XX/XX/ and I still haven't received anything to prove that this account belongs to me. A statement is not sufficient enough proof. I as a consumer have rights and they are indeed violating those rights and I am seeking assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Revolution Financial Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. Main Street Personal Finance ripped me off big time. They also dba XXXX XXXX. I borrowed {$12000.00} and wound up paying {$120000.00}!! Then at the time of payoff they charged me an extra {$10000.00} for attorney fee for writing me letter giving me 2 weeks to pay off the balance which {$3000.00}. When I carried the {$3000.00} they refused to take it and wanted {$13000.00}! I had to come up with {$13000.00} in 2 weeks time or lose my home!! I have all my paperwork and receipts!! They are crooks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: KINGS CREDIT SERVICES
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the account got the documents stated I paid but the credit card company willnt take it off my credit it still say need to pay and late payments XXXX XXXX and XXXX XXXX on my credit it says XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recieved a copy of my credit report and noticed two accounts on my credit file that i never appled for and never used. These accounts are fraud and needs to be removed from my 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 2020-02-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There was an over draft fee of {$36.00} posted to my card with no alert I had funds in another account to transfer not informed. I checked and it was less than 24 hours.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account.

2 ) Closed Date is all wrong between all 3 bureaus. 
Trans Union Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
XXXX does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

XXXX ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for XXXX. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not 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 non-monetary relief
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have discovered some inaccurate information on credit report. Therefore, On XX/XX/2020 I requested an explanation for an investigation from the credit bureaus for inaccurate information listed on the letter. After months of waiting for a response I have not been provided with any information about from the credit bureaus. And I would like an update on my credit report within 30 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX I went to the Citibank branch on XXXX XXXX XXXX XXXX in XXXX CA to withdraw cash in the amount of {$8000.00}. 

I had previously been unable to update my pin number online due to maintenance. 

Also my security questions asking for my mothers maiden name could not be verified. 

Since the wire was recent, the teller informed me they could not process my request at the time and to call Citibank. 
I stepped outside and called Citibank to confirm my identity associated with this account I went back inside to continue my transaction and the manager was acting suspicious the whole time and immediately gave me a number to Citibank 's fraud department without offering any resolve. 

I now find out that my account is not accessible and the checking is under investigation.

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: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full last year and it was sent to collections even after i settled the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Bread Financial 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:
Some lady calls and says I owe money on a debt. wont ID themselves or company and says I must call back today or legal action will be taken. They call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I pulled my credit report and i noticed some unauthorized inquiries on my credit report that i didnt authorize. 

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 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 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 2022-10-07
Company: Sequium Asset Solutions, LLC
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My Problem is with KIA Motor Finance. I am emailed before each payment is taken out of my checking account. The XXXX payment was about {$45.00} more than the contract stated payment of {$380.00} per month. Then after I called them no one could tell me why on my first six conversations, so I informed my bank to not allow the payment be taken out of my checking account. Then I followed up even before the payment was due and spent another 3 hours on the phone trying to find out why the payment was higher and finally after six more conversations they told me that due the the change of state ( I bought the car in South Carolina and then had it retitled in Florida ) the sales tax amount changed and so does my payment. I said by over {$40.00}! So by now I just wanted to know what my payment would be and they could not give me a straight answer because they had put a {$15.00} NSF penalty due to my stop payment through my bank. Now they have given my a payment amount of {$400.00} but they want to charge me {$7.00} to take a payment over the phone and if I don't pay by XXXX XXXX, 2021 I will not only owe the NSF {$15.00} but also a {$15.00} late fee. This is driving me crazy. I am a XXXX year old senior living on a fixed income and just wanted to know what my payment was. Then I found out that because the state where I bought the car ( South Carolina ) charges the entire sales tax up front and Florida charges month by month that I have to go back to South Carolina tax authority to get a refund and that is not right either. What should I do? I have not made my payment as of XXXX XXXX, 2021. Thanks

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 2019-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Ive opened a savings and a time deposit account with Chase bank around 3 years ago, as advised by the banker I open the savings account with minimum balance of {$300.00} that wont trigger any service fee. Couple months later I closed the time deposit account and keep the savings account without touching it for the last 3 years and today when I approach the branch to close my savings account and was told the balance remaining only {$190.00} due to monthly service charge of below minimum balance I was surprised I did not touch this account since opened with a minimum balance how came for charged? I was told theres a {$8.00} fee charge to my account one day which trigger the minimum balance lower, but that {$8.00} was refunded to my account a year later! But the balance still requires service fee. I asked since they refund the unauthorized charge of {$8.00} which meant my account should never falls below {$300.00} in the beginning they should refund all the service charge to me but they refuse the reason is because its too long ago. I totally felt I got fooled by a bank, how can I save money in an account resulted in losing money which I hardly conduct any withdrawal, no protection on consumer big bank like Chase make lots of money by eating on my savings. I was forced to close my account to avoid further loss with a remaining balance of {$190.00} only, lost 33 % but would strongly wish you can help me to get my money back. Today is XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 - company called from a different number : XXXX, continued to not identify who they were with, or did not leave a message. 

XXXX - company called and did not leave a message, or would not identify who they were with. 

XX/XX/2019 - called from XXXX, did not leave a message, or would not identify who they were with. 

XX/XX/2019 - called from XXXX, did not leave a message, or would not identify who they were with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On or about XX/XX/2019, I contacted my student loan servicer, Navient, though Navient 's website, to switch the auto pay information on my two consolidated student loans to my new bank, to be effective with the XX/XX/2019 payment. I was successful in making this change through the Navient website. My monthly consolidated student loan payment with Navient has been {$230.00} since I consolidated the loans, well over a decade ago. 

On XX/XX/2019, I received a letter from Navient indicating that my loans had been " successfully enrolled '' in auto pay, and that my monthly payment would be {$230.00}, to be " automatically extracted '' beginning XX/XX/2019. ( Letter, Ex. A. ) On XX/XX/2019, I called Navient and spoke with a XXXX named XXXX. I told XXXX that there had been a mistake, that my normal payment ( {$230.00} ) ought to have been paid through auto pay for the XX/XX/XXXXpayment per my instructions, and that I was prepared to make a one-time payment to satisfy my monthly XX/XX/XXXXpayment. I further told XXXX that there was no justification for Navient to be recapitalizing any part of my loan, since I had timely given Navient the information to auto debit my XX/XX/XXXXpayment. XXXX took my bank information, and {$230.00} was debited from my bank. ( Screencap of bank website excerpt, Ex. B ). At the end of the call with XXXX, I asked her explicitly to confirm that going forward, my monthly payments starting with XX/XX/XXXX would be * $ XXXX as before, and not the higher figure Navient had quoted in its letter. XXXX confirmed this, and gave me the confirmation number # XXXX. 

On XX/XX/2019, I received an alert from my bank that Navient had auto debited my account in the amount of {$230.00} -- the incorrect amount reflecting an unauthorized recapitalization of interest. Upon checking Navient 's website, I noted that it still wrongly reflected a recapitalization of interest of {$90.00} on XX/XX/2019, and also mis-accounted for the monthly payment made through XXXX on XX/XX/2019. ( Screencap of Navient website, XX/XX/19, Ex. C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 Called & Cancelled all cable & internet services effective immediately & requested removal from auto payments. Returned all equipment & have receipt. 
XX/XX/2019 Continued to be charged for services thru XX/XX/2019 & checking account was auto debited another {$240.00}. When I called, they advised that cable was " scheduled '' to be cancelled, but internet was not & nothing could be done about amount debited. There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX on billing and cancelling- After multiple calls and hours of waiting, rude customer service agents, some nice customer service agents who explained they hear this all day, & promises of calls back, finally received from statement showing {$190.00} was removed & {$0.00} due. 
Then received bills again from XXXX XXXX XXXX for same service & same amount due again {$190.00} No amount of phone calls could fix this. Service was cancelled & we paid an additional moth. We have an invoice clearly showing {$0.00} due and still was sent to collections for amount by XXXX XXXX XXXX XXXX {$190.00} There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX & they are double billing. I disputed this and they sent back only XXXX XXXX XXXX statements and disregarding the XXXX statement which is for SAME account and shows {$0.00} due after multiple phone calls and being transferred to all different departments within the 3 company names.

Company response to consumer: Closed with explanation