BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX trans union XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX. dollar for each credit union and each vendor that continue no break the FCRA and FDCPA

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 2019-07-25
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:
CRA is erroneously reporting negative items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$4100.00} Date Opened : XX/XX/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 2018-04-11
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I sent letters to Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to dispute and update personal information regarding my name and addresses that was used in fraud many years ago. Although they updated my name correctly, they continually to FAIL to remove the old outdated addresses from North Carolina that either are extremely outdated or addresses where I never lived. I've even sent them my current identification information and they still ignore it.

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 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX XXXX XX/XX/2018 and spoke to a rep about inquires I did not place all she advise was soliciting a product not listening to my issues which is a result of fraud all she can say is contact the company who place them. Transunion had a breach for the public information we should not have to suffer for their lack in protecting consumers information. I called a 2nd time the same day for help the rep advise to send a letter to all creditor I advise not listing to what Im saying at all

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XXXX of XXXX, XXXX experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2018-01-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX XXXX I visited an XXXX XXXX Store, and was asked if I would like to get a store credit card. At the time I had no credit, and I asked if this would impact my chances, the clerk replied that that would not be taken in to consideration, and I would most likely get the card. I later learned this was not the case, and the false information created a preventable inquiry on 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 explanation
Consumer complaint received 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has put a completely unreasonable, 7 business day hold on my funds from a deposited check into my personal account. I tried to rectify this every day with them, both in person at their branch and then on their customer service line as was advised to do by their branch manager. 

On the second day of the hold, I was made aware by the institution whom the check was written on that the funds had cleared their bank and that they even had a visual copy of my deposited check. I called Bank of America back with this news and they told me that they were sitting on the funds in their possession, and intended to for the full 7 business days as was their " right for risk management purposes. '' This is outrageous given that 1 : they now have cleared funds and 2 : I have a long history of receiving checks against this specific institution in the multiple {$100000.00} 's over the course of a 5 year relationship that have never once bounced. They are holding my money hostage and causing me financial harm, since I can not pay my general contractor.

I told Bank of America that there was a manager who was willing to get on a phone call with them to verify funds, but BofA told me that this was against their corporate policy. Conveniently for them, I now need to take out a high-interest cash advance from a credit card to float the time between my funds clearing and the hold, while they retain my funds overnight for a week. I made the Bank aware of this stress and they told me " I could complain as high as I wanted, nobody would do anything about it. ''

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 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my XXXX XXXX/Bank of America Credit Card for XX/XX/XXXX. For the first year, I would call in every month and make a payment on the credit card. I was finally sick of calling in each month so in XX/XX/XXXX when I called to make my payment, I asked if they could set me up for reoccurring payments each month. The man that I spoke with was very hard to understand and there was a little bit of a language barrier. I politely asked him to speak with someone else and he insisted that he understood what I was asking for and he could help me. I asked the man to set up reoccurring payments for the minimum payment due each month. He insured me that he did so, and the conversation ended. Stupidly, I put my trust in Bank of America to put the right people in place to DO THEIR JOB and I did n't check on that card for another four months or so. Because I do n't regularly use that card, I did n't feel the need to check on it. ( Keep in mind ) I have proof that my account was current and all my payments were made prior to this man setting up my auto pay. Long story short, the man that set me up for auto pay DID NOT put in the minimum payment amount, he put in a payment amount that was just under the minimum required amount. So for six months Bank of America has been taking {$40.00} out of my checking account and applying it to my credit card, THE PROBLEM IS that this is not the minimum amount, so for six months my account has been getting charged late fees and interest. I went into the Bank of America office in my city and they could not believe what was going on. They continued to apologize and they called the customer service line for me while I was there. Bank of America acknowledged that they were wrong but they still wanted me to pay over {$400.00} up front to get my account back to current, and then they would credit my account two months later. This is the most ridiculous thing I have ever heard, I 'm hoping and praying that someone can see that this is FRAUD! Recently Bank of America closed my account, but they are still taking out the {$40.00} a month. I understand that mistakes happen, and it was the ignorance and lack of focus of one individual in that company that caused this problem. I also want Bank of America to file a dispute to fix my credit.If this is n't a class action law suit, I do n't know what is.

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 2017-10-08
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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:
hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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:
Hi I called the companies to remove the credit Hard inquiries no answer. Went to police department since there is no money missing no report given. Contacted TRANSUNION TO REMOVE THE FRAUDULENT INQUIRIES they don't do anything. 
THIS COMPANY IS VERY DISRESPECTFUL AND CARE LESS FOR CONSUMER PROBLEMS AND REFUSE TO HELP ... ... 

THIS ISSUE AFFECTING VERY HARD MY CREDIT REPORT AND WHEN APPLYING FOR LOAN WILL HAVE LARGE FINANCIAL EFFECT

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 2019-07-25
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 don't recognize this account, i never applied for it, i stole my wallet with documents and i think somebody used my personal information to apply for credit cards.

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 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'm beginning to realize the CFPB is of no real help. 
Capital One continues to lie to you, and you accept it and close the complaint down. 
This time they actually added stuff about some sort of veterans information needed and my active duty status. 
I was in the XXXX XXXX, two years XXXX and 4 years inactive, back in the early 1970 's. 
I have perfect credit. They are just descriminating against me because of my age. 
because I can't figure out any legitmate reason for their actions. 
I found out that XXXX XXXX XXXX has the same product. I went to the local branch and they approved me 10 minutes. 
This has dragged out for months now. It's a shame how Capital One is making you look pretty foolish. 
You asked if I was a veteran. All of a sudden they put in on my credit application as if I wanted it to be considered. I never wanted it to be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Source Receivables Management LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. 
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
On XX/XX/XXXX me and business partner hired a company called XXXX XXXX XXXX to dispute a county tax lien that we had from one of our previous businesses. XXXX XXXX XXXX guaranteed and promised that they will dispute our tax lien by paying them {$5000.00} ( XXXX XXXX dollars ). Me and my business partner waited 2 months patiently for them to act on our matter and were hoping that our lien issue with the state of Michigan was over with. When we contacted XXXX XXXX XXXX in XX/XX/XXXX they told us that they have not worked on our case and had no idea how much the amount we owed was basically they took our money and didnt provide any services. 
Me ( XXXX XXXX ) and my business partner XXXX XXXX decided to dispute the charges XXXX XXXX XXXX took from us XXXX from each person due to not providing us any services and not working on our case. 
I contacted my bank ( BANK OF AMERICA ) to dispute the charges unfortunately XXXX XXXX XXXX provided them documents which I never signed saying Iam okay with them taking my money even if they dont resolve my case. 
XXXX XXXX bank ( XXXX Bank ) was able to refund His XXXX charge and were able to investigate the case the right way My complaint is against Bank Of America for not being able to get my money back for me and telling me time fram is over even when I provided them documents on XX/XX/XXXX which was before the ending time frame period to have them reivestgate that company and find out how XXXX XXXX  was able to refund XXXX XXXX XXXX back however Bank of America did not put any effort and did not reivestgate and gave me the runaround for 10days till the time frame was over My second complaint is against XXXX XXXX XXXX for taking my money and refusing to refund me the charges.

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 2018-01-11
Company: REGIONS FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have a small XXXX business and use the XXXX gas cards to purchase gasoline. 
1 ) We receive monthly statements with 5 other monthly reports via email. 
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days. 
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ). 
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.

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 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: UT
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  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to XXXX for free annual credit check today which is oX/XX/2018 about XXXX. I got to review all the reports from all three which is XXXX, XXXX, and transunion. Now the transunion was asking for my credit card number so I gave them my debit card assuming it 's to prove who I am before they give me my information. They charged me {$19.00} twice which is a total of {$39.00} today. I thought this annual report is for free? Why are they charging me? They later email me a number to call but, nobody is there to answer your call.

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 2018-01-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a friend use my referral link to apply for an American Express Business credit card on XX/XX/17 and be instantly approved. The referral bonus is supposed to be XXXX XXXX points that American Express owes me. I have since not received any points and I have contacted American Express about it multiple times. They originally opened an investigation and said it would be at most 4-6 weeks to get it resolved. It has now surpassed that and every time I call American Express, I am told that the investigation is still open and they will reach out to me within a week which never happens.

Company response to consumer: Closed with explanation