BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2020-07-22
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was checking my credit report and there was information from a collection agency Credit Collection Services for XXXX XXXX. I did not receive a bill from neither the collection agencies or XXXX XXXX. I have two insurances and supplemental insurance XXXX pay through my job, so there was no reason for the company not to be paid. I was not given an opportunity to pay or dispute the information. The collection agency provided the same information three times to the credit reporting agency The amounts are {$100.00} and {$140.00}. 

I want this information removed immediately. This is causing serious hardship for me and is interfering with me obtaining credit and job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I closed my Citibank account in XX/XX/XXXX because I find their online portal to be unhelpful. I was issued a {$35.00} refund to my account after closing it, and Citi told me they would mail me a check in that amount. It is now XX/XX/XXXX and it has never arrived. i just called today and they are apparently looking into the issue, but " do not know what has happened. '' While the amount is small, I want my refund as a matter of principle and because the company is so disastrous overall in terms of customer service. 

I closed my account after being unable to use my card multiple times, and constantly being locked out. XXXX XXXX and XXXX are both much easier options, as well as 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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my right under USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also says a consumer reporting angency can not furnish an account without my writen instructions. Under 15 USC 166 b a creditor may not treat a payment on a credit card account under a open credit plan as late for any pourpose and they need to be removed.

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 2017-12-15
Company: SUNTRUST BANKS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SunTrust bank has caused me as well as my family much anguish by charging off a SunTrust auto loan account which was paid as agreed. In XXXX 2017, Ive received a phone call from XXXX, a SunTrust Bank representative, notifying me that my auto loan was about to mature and that I must pay a final payment of approximately {$3200.00}. I explained to XXXX that I could not make the high payment of {$3200.00} at the time. I asked XXXX would SunTrust Bank allow me to continue to make regular payments of {$300.00} a month until the loan was completely paid in full. Since I had never been late or missed a payment previously, XXXX, agreed that SunTrust Bank would indeed allow me to continue to make regular payments of {$300.00}, in which I faithfully paid every month thereafter. Not only did I pay as agreed, I also made double payments whenever possible in order to speed up the process. However, after paying as agreed and getting my balance down to around {$1000.00}, on XXXX XXXX, 2017, SunTrust Bank, being the predacious institution that theyre, charged my account off and caused major grief to myself as well as my family. Knowing that the charged off account would destroy my credit rating for seven long years and cause unforeseen hardships upon myself and my family I decided to pay the {$1000.00} payment to SunTrust via the collection agency, XXXX, in order to pay the loan in full. This charge off is especially concerning to me since it also affects my XXXX grandfather, XXXX XXXX XXXX, who co-signed with me for this loan. At this point, all I wish is that SunTrust Bank would have a little compassion and honor their agreement and change the account status to paid as agreed.

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 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I tried to wire money to Bank of America several times between XX/XX/XXXX  and XX/XX/XXXX  They rejected the wires. 

Before sending the money back to my bank, they deducted {$45.00} each time. 

They have no commercial relationship with me. In theory they never took possession of the money since they rejected the wire. They in effect stole {$45.00} from me each time. 

Because I have no commercial relationship with the bank, I am being told there is no way I can recoup these fees from the bank. 

If a bank rejects a payment, they should not be able to steal money before sending it back 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 2022-04-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX XXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.

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 2019-03-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
sent over the ftc violation of the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This account is incomplete. there is no phone number for the furnisher. please delete this account 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 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 2023-09-08
Company: Diversified Adjustment Service, Inc.
State: CA
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 XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 

XXXX. DIVERSIFIED ADJUSTMENT Original creditor : XXXX XXXX number # XXXX XXXX. XXXX XXXX / Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings On XX/XX/XXXX and XX/XX/XXXX I received a bill from Transworld Systems Inc. in reference to a debt that they paid for to collect in the amount of {$1200.00}. This debt was bought from a utility company called XXXX. XXXX is in violation of 15 US Code 6802, 1681 ( b ), 6801 and 1681 ( a ) ( 4 ). All are associated with privacy violations. So once again a clear violation of my privacy rights has gone unchecked. 
I sent Transworld a certified validation letter, cease and desist letter and a 30 day affidavit of truth on XX/XX/XXXX in reference to the alleged debt. They did not produce the evidence to prove their claim. They did not respond in the form of an affidavit and did not remove the debt from my consumer report as demanded by me ( XXXX XXXX ). 
I do not owe this company any money whatsoever. Nor have I gone into any agreement them at all. 
I've also uploaded a copy of my consumer report and there are several inaccuracies coming from the same company. The consumer report states that I owe {$960.00}. However, my notice in the mail says {$1200.00}. 
The report also states that the reporting dates are inaccurate as well as the last dates active. 
This is also a Maryland account and I have live in Florida since XX/XX/XXXX. So there is no way physically I could've opened the account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TD BANK US HOLDING COMPANY
State: NY
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:
XXXX made three unauthorized purchase on my account of {$92.00}. I informed TD Bank of this purchase and I filed a dispute for it. This dispute has been going on for awhile now. I send over documentation in support for my dispute and TD Bank had reversed back one of the disputes to XXXX of {$92.00} that I didnt authorize XXXX to take on XX/XX/XXXX. Also, this transaction had caused an overdraft on my account. I was charged {$35.00} on XX/XX/XXXX, a day later when I had money in my account. By doing this TD is endorsing fraudulent behavior, enabling merchants to steal from consumers and this is a breach of contract with customers. This is a violation of my rights and federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 closed my XXXX account in XX/XX/2020 and now XXXX is reporting late payments to Transunion for XX/XX/2020 as 30 days late. I have called multiple times and sent XXXX   support thru XXXX  the documentation. XXXX states its Transunion that is reporting wrong information and I need to calI Transunion. I have also disputed the late payment with Transunion with no resolution. It is a back and forth with XXXX 's blaming Transunion and Transunion stating the debt is validated by XXXX. Please see the attached documentation from XXXX stating no degatory payment on my account in 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 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX data breach / identity theft. All is being investigated by the CFPB and FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over. I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE asap. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out to American Express around XX/XX/XXXX through XX/XX/XXXX about and inaccurate information that XXXX had listed on my credit report, that I'm missing a payment with them. American Express had assured me that they have accurately updated my account with the credit bureaus so I should give them some time to update my credit file. I have reached out to XXXX  many times about this inaccurate data they are reporting but they refuse to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Revolut Technologies Inc.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB, I am writing to report an ongoing issue with my savings at Revolut since XX/XX/XXXX. Despite multiple attempts to resolve the issue with their chat support team, my two savings have not been earning any interest.

I have spoken with a dozen different online representatives and emailed twice, but the lack of communication and information sharing between team members has made it difficult to identify the problem. Moreover, representatives have been delaying the conversation until it is no longer their responsibility, resulting in unnecessary delays and a loss of interest on my savings. 

Below is a list of customer service reps who have worked on my case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your urgent attention to this matter and a timely resolution to the issue. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Bay Equity LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bay Equity ( the mortgage broker ) stalled on the closing date long enough that the interest rate increased by .625 % and we were not able to go to another lender to get the promised interest rate. They told us that the stalling was because the underwriter needed a tax transcript rather than a color copy of the submitted tax return. In the end, they went with a different underwriter completely, so should have been able to do this at the outset. The total amount of interest we are now liable for is over {$20000.00} more than what we would have been liable for had we closed on time. After signing the documentation at closing, we were given a closing disclosure that was again incorrect and the processor refused to give me a straight answer about what numbers were actual. I have repeatedly asked questions to have them answered incompletely or not at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 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 explanation
Consumer complaint received 2020-07-14
Company: Freedom Mortgage Company
State: CA
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 chose to make 2 payments to cover XX/XX/2020 mortgage payment with additional money going towards principal. On XX/XX/2020 I submitted a payment for {$2200.00} to Freedom Mortgage. I made the second payment on XX/XX/2020 of {$1700.00}. This would be a total sum of {$4000.00} to cover my mortgage payment of {$2900.00} + {$1000.00} towards principal for XX/XX/XXXX. The system interpreted differently and directed all {$4000.00} toward principal bring my mortgage balance to {$420000.00}. I immediately called in and it was modified bringing my total balance to {$430000.00}, but they had reported the balance of {$420000.00}. The next month when my credit report was updated, my credit score went down significantly stating my balance increased for Freedom Mortgage by more than {$2000.00}. 

I submitted a dispute to XXXX  but did not see my credit report updated. I would like my credit score to be updated accordingly. I share the mortgage with an individual and that individual 's credit score was also negatively affected. We both expect this to be fixed with an update to our credit scores. 

I was not delinquent or late on my payment which would have caused a negative impact on my credit score. This was all caused from wrong information being reported.

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 2019-06-24
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: Account status incorrect

Complaint:
XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated that they incorrectly reported this loan as open. They explained that letters were sent to all three credit bureaus and the information would be corrected. 

Three months later XXXX XXXX XXXX is still showing an open balance which is WRONG! My credit report is showing I have 2 mortgages totaling $ XXXX. My wife and I refinanced this loan and the XXXX XXXX accounts should be closed. My wife 's report is reporting correctly, mine is not. This is the reason why I filed a complaint against XXXX XXXX initially. Their accounting and record keeping are terrible in my opinion and this proves my point. My debt to income ratio has tripled, I DO NOT HAVE 3 MORTGAGES. XXXX XXXX NEEDS TO REMOVE THE TWO MORTGAGES THEY PUT ON MY CREDIT REPORT 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