BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

- XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX Transunion reports the date the account was opened was XX/XX/XXXX where as XXXX  reports a date opened of XX/XX/XXXX ; XXXX  does report anything. 

Transunion reports the date last active was XX/XX/XXXX where as XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  dies report anything - XXXX AES - Account Number : XXXX Transunion reports the number of months in the loan to be XXXX whereas XXXX reports the number of months to be XXXX ; XXXX  reports nothing. 

Transunion reports the date last active to be XX/XX/XXXX whereas XXXX  reports the date last active to be XX/XX/XXXX ; XXXX  reports nothing. 

XXXX  Reports that this account was 30 days late whereas Transunion and XXXX  reports nothing. 

XXXX  Reports that this account was 60 days late whereas Transunion and XXXX  reports nothing. 

XXXX Reports that this account was 90 days late whereas Transunion and XXXX  reports nothing.

XXXX Reports that this account was charged off ( CO ) whereas Transunion and XXXX reports nothing.

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 2018-03-29
Company: Capital Accounts, LLC
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:
I've been submitting information to XXXX and XXXX  about a account being in collections on my credit report and they still haven't removed this negative information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I HAVE A CREDIT CARD BALANCE WITH BANK OF AMERICA AT TWO DIFFERENT INTEREST RATES EACH MONTH I PAY OVER THE MINIMUM DUE PAYMENT. I THOUGHT THAT THE AMOUNT OVER THE MINIMUM WAS SUPPOSED TO GO TO THE BALANCE WITH THE HIGH INTEREST RATE. THIS DOESN'T SEEM TO BE HAPPENING WITH THIS ACCOUNT THE BALANCE WITH THE HIGHER INTEREST RATE CONTINUES TO INCREASE WHAT WAS THE XXXX CARD BILL?

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 2020-07-09
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: Information belongs to someone else

Complaint:
XXXX  reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX  ftc violations

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 2017-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX/XXXX/17 Filed a security freeze with Equifax - have since found out my PIN is the time stamp of the filing - trying to change the PIN however unable to access the call center. No announcement that the firm is mailing out new PINs, which I 've already received from the other two credit reporting Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2018 Rodenburg Law Office on behalf of XXXX XXXX  and XXXX XXXX issued a Levy on my bank account even though, after several emails with attached proof of SSI benefits as my only source of income. They sent garnishment documents to my small town bank who inturn froze and levied {$1000.00} from my account which left me when no money. 
My income solely stems from social security which is Federal and State protected from garnishment.

In addition, Rodenburg Law Office was fully aware of my Bankruptcy filling but went ahead and broke federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I receive regular checks from a person who has a personal checking account with Bank of America. I usually go into Bank of America to cash these checks. Today, XXXX/XXXX/17, I had 2 checks to cash and was told there is now a new Bank of America policy that charges the check holder, me, an {$8.00} fee per check cashed. The check amounts were {$250.00} & {$600.00}. {$16.00} to cash 2 checks? This seems like extortion to me. I find a fee to get money that is yours is not justifiable and should be illegal. Banks can make enough money from all of their deposit accounts and account maintenance fees that they should not legally be able to charge someone for cashing a check drawn upon that financial institution, especially with checks of small amounts like these.

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 2020-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My credit score dropped 65 points due to the way XXXX XXXX reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( XXXX, Equifax, XXXX, XXXX  ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.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 2019-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX and XX/XX/2019, I sent certified letters to XXXX, XXXX, and Experian disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.

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 2018-08-04
Company: National Credit Adjusters, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I got a payday loan through the XXXX XXXX in XXXX Illinois in XX/XX/XXXX/XX/XX/XXXX. I paid the amount due and paid the entire loan off in XX/XX/XXXX in the amount of {$220.00} and was told there was no balance due. I now have it on my credit report for {$220.00} in debt because they never credited my account that it was paid. I am upset that this is still on my credit report even though it has been paid off entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Credit Inquiries 1. XXXX XXXX XX/XX/2017 2.XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX. XX/XX/2017 5. XXXX XXXX XX/XX/2017 6.  XXXX XXXX XX/XX/2017 7. XXXX  XXXX XX/XX/2017 8. XXXX XX/XX/2017 All were dropped off and some how appeared back on my credit report. drooped my score 28 pts

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 2020-07-09
Company: EQUIFAX, INC.
State: NC
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:
Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. Disabled IT Technical Represenative need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  XXXX  has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
On XX/XX/2018 my wife and I went to XXXX XXXX XXXX # XXXX in XXXX MA to purchase two car seats during their going out of business sale. One was more expensive than the other. We paid with a Bank of America debit card. This transaction was for {$100.00}. 

When we returned home, my wife noticed that we were overcharged by {$8.00}, and she noticed that the cashier had scanned the more expensive seat twice, probably thinking they were the same. She returned to the store to explain the situation, and the cashier explained that due to their bankrupcy no refunds or exchanges were possible, however the manager said the only way to do this was to " post-void '' the transaction and re-ring it for the right amount ; {$99.00}, which was done. 

A few weeks later when reconciling our statement, we noticed that both charges were still there, and our account was {$100.00} short. By this point the store was closed and there was no way to get help from the retailer, as XXXX XXXX XXXX was gone. So called Bank of America and explained the situation. They put in a dispute for us, and gave us a temporary credit of XXXX. A few weeks later the credit was revoked suddenly ( putting our account negative ) and a letter was sent saying that our dispute was denied. Over the next few weeks we faxed receipt, re-opened the dispute several times ( they kept closing it, claiming they didn't receive our faxes even though we sent them from Bank of America branches with employee assistance ) and provided a scan of the void transaction receipt the manager gave us. The Bank of America lawyers state that because my wife signed the first receipt for XXXX the charge is legal, and the post-void doesn't mean anything. They also told me that technically no transaction could ever be post voided, and XXXX XXXX ' XXXX, knowing this, effectively stole from us. I questioned if, that being the case, Bank of America would stand by us, and they said the lawyers have tied their hands to help, and I had to accept the loss.

At the end of the day we paid for 4 car seats but only received 2. We allowed the second charge in good faith that the first one was post voided, per the receipt we received. If XXXX XXXX ' XXXX had provided us with 4 car seats, why would they have presented that post void? Bank of America has copies of all this documentation, but I can provided them again on demand. 

If the first charge stands, due to some odd legal loophole ( even though I did not received the goods described ) then the second one is fraud because I did not receive any merchandise at all. 

Thanks for anything you can do.

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 2020-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Theres a few inaccurate accounts as well as personal info which need to be deleted 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 2020-06-01
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : 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 explanation
Consumer complaint received 2020-10-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found on my credit report there was a payment past due for more than 30 days for the amount of $ XXXX from CITI Bank, and phone number XXXX. Was told by CITI bank that XXXX XXXX been using the credit card under my name, his phone number XXXX and address on file XXXX XXXX XXXX # XXXX XXXX, XXXX. Please look into the payments he previously made. Occurred on XX/XX/2020

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Been a victim of Identity 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 explanation
Consumer complaint received 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY ASSOCIATES, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
PORTFOLIO RECOVERY ASSOCIATES, LLC. ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX Balance {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
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:
These account on my credit report are misleading and false. XXXX, equifax and XXXX  has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Big Picture Loans, LLC
State: MT
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Applied for Payday loan ( XXXX/XXXX/2015 ). Received {$600.00} in Acct. Agreed to pay $ XXXX/month. Was debited {$350.00} XX/XX/XXXX, then a few days later, on XX/XX/XXXX, debited another {$850.00}. This was not my payment schedule or an agreement ( that I entered into, knowingly, or with ALL the facts ). This caused me to become ridiculously overdrawn, and then when speaking to them about my issues with their business practices, they offered me a {$1500.00} dollar loan ( " to help '' ), which I immediately refused. This is a huge problem, I was supposedly paid off but now they are telling me I still owe like {$520.00}!?!!!! I have paid over 3x ( closer to 4x ) the amount of the loan received, this is a disgusting case of usury. Do n't do business with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Information belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX XXXX ) {$720.00} with XXXX and Transunion and the incorrect information is still there. I do not know who ( XXXX XXXX ) is. I have never signed an agreement with ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( {$460.00} ) with XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX with XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

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