BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO EXPERIAN AND XXXX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... EXPERIAN AND XXXX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT

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 2020-12-15
Company: Experian Information Solutions Inc.
State: TN
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 did not authorize the following inquiries on my credit report : XXXX  - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX - XXXX, XXXX 2020. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.

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 2019-11-14
Company: Experian Information Solutions 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:
Hard Inquiry run my XXXX XXXX on XX/XX/2019, without my knowledge or consent. 
I never applied for credit or opened any account with XXXX XXXX. 

Institution Information XXXX XXXX XXXX, VA 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 2019-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
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:
XXXX bank was taken over by XXXX XXXX bank. At the time they told me nothing would change for me, the 2 accounts would be joined. So I could continue payment on my XXXX thinking even paid up, the payments applied to my XXXX XXXX card. Well about a week ago I realized that those payments to XXXX bank which was an affiliate of XXXX were never applied to my XXXX XXXX card. That card ending in account # XXXX with XXXX bank XXXX has been receiving payments since XX/XX/2017 for {$50.00} /Month. I have proof of that trough my 2+ years of bank statements. I have contacted both XXXX and XXXX XXXX, neither was willing to help me in this matter since they could not find my account number. All this was paid through my bill pay with XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: T.S. Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to I.Q. Data International. It is now XX/XX/2020 and I have not received a response of any kind from I.Q. Data in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with XX/XX/XXXX XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that I.Q. Data has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to IQ Data 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from IQ Data attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against XX/XX/XXXX for not properly investigating and deleting this and against I.Q. Data for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that I.Q. Data is fraudulent and XX/XX/XXXXas well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to 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 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Paid an account IN FULL within grace period in the amount of {$1300.00}. On next statement, had an " interest charge '' of {$3.00}. Wrote a letter to the XXXX XXXX XXXX, Bank Of America ignored the letter and did not respond. Had to call in, resulting in extreme inconvenience, customer service representative was confused about the charge - checked with supervisor and declared that the charge would be removed. I asked if this was an error, the reply was " it looks that way ''. Bank appears to be disorganized, does not answer mail, there is NO option to contact bank electronically by e-mail or secure message, the ONLY option is the dreaded " call center '' during THEIR 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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas.

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 2020-01-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dear Sir or Madam : This communique is to complain about Wells Fargo charging fees during COVID 19, particularly when clients are unemployed and subjected to illness as a result of COVID 19. 

I had requested that Wells Fargo debit my account on the XXXX, which was my payday for my prior job. This request was ignored, and I don't have an employer anymore. These additional fees cause a great hardship. 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 2022-08-08
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: Reporting company used your report improperly

Complaint:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2018-03-20
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX bill pay software is flawed. I have only had this account two months and have gotten charged excessive overdraft fees four times because of their flawed online bill pay software. I was charged overdraft fees of {$33.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. The software does not accurately display outstanding unpaid bill pay payments. The amount of available funds should only reflect what is actually available taking into account bill pay payments that have been added, regardless if they have been cashed or not. I have used other bank bill pay software and have never had this issue. Their bill pay system is set up so customers will not see the correct available funds and then process a bill payment which ends of activating another overdraft fee. Their bill pay software is not intuitive when it comes to outstanding payments that have been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filing this complaint, XXXX, XXXX, and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 ran my credit 7 times on XX/XX/XXXX. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Several months ago, I filed disputes for several charges on my XXXX XXXX credit card for the following companies : XXXX for {$1300.00} and XXXX XXXX for {$1000.00}. After the last time I contacted your agency, XXXX XXXX opened the disputes and provided provisional credit to my account. I would like someone to communicate the status of my disputes transactions with XXXX and XXXX XXXX. I would like to know the status on these refunds and when can we expect a resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, I filed a dispute for transactions that were not authorized by me to Netspend. All the transaction 's were done online and Netspend is refusing to do anything about it. I spoke with them on numerous occasions and every time I spoke to them they would not do anything to help. I spoke with them on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On the day of XX/XX/XXXX the 30th day of the dispute, I called to ask when the provisional credit would be applied to my card because they told me a provisional credit would be applied after 10 business days. The man told me that at XXXX. the system would update and that my credit would be on my card. He said he saw the credit and it was waiting for the system to update. By XXXX XXXX that night still no credit and I called them and they said my disputes were denied and that there was no error and they considered the matter closed. {$420.00} was taken from my account and they are refusing to do anything about it. I don't know what else to do. Please help.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2019-04-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! 
How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! 
I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! 

but i'm so far behind on my car payment its ridiculous! 
It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX XXXX XXXX and a XXXX XXXX XXXX who go to daycare! I lost everything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Synergetic Communication Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Every time I call this company and ask for proof that I've been making payments, all they send is that I've made a {$10.00} and the date it was made. I was making payments in 6 month increments because they couldn't set up a payment plan and then once it ended they never called to restart it or even send a letter. I was recently informed on XX/XX/2018 that I was sent a letter of a payoff amount, but I haven't received mail from them in over a year ... Recently we started to apply for a mortgage but this " debt collector '' has not reported anything that we have paid making it look like we haven't tried, when I've been paying on this for 2 years! They still say my balance is what it originally was when I started. This payment was for a car that I turned in 5 years ago!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

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 2020-01-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I reported fraud of XXXX charges XX/XX/XXXX - XX/XX/XXXX totaling {$470.00} XXXX did not know why I was charged said could be one of their 3rd party sellors USAA rep CHANGED MY REPORT from fraud to a dispute The dispute numbers that were changed from fraud are XXXX, XXXX, XXXX Everytime after when I called and asked about the fraud I reported reps reported fraud a second time and then a third time The merchants covered a lot but I WAS DOUBLED CHARGED CREDIT REVERSALS OF THE CREDIT NEVER GIVEN This is an accounting nightmare. One and a half years later XX/XX/XXXX USAA DECIDES IT WAS FRAUD AS I REPORTED USAA CLAIMS I DID NOT REPORT FRAUD XX/XX/XXXX I GOT A NEW CARD XX/XX/XXXX for unauthorized charges reported then USAA never reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation