BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX XXXX XXXX has already been paid in full.

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 2023-01-25
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:
THIS COMPANY IS IN VIOLATION THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX .... Balance : -, XXXX XXXX  XXXX .... Balance : -, XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX XXXX XXXX : {$8300.00}, XXXX  XXXX XXXX .... Balance : {$950.00}, XXXX XXXX XXXX .... Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00}, XXXX XXXX FOR XXXX .... XXXX XXXX {$4200.00}, XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX : {$530.00}, XXXX  XXXX Balance : {$800.00}, XXXX XXXX XXXX... XXXX : {$3200.00}

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 2023-03-26
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems XXXX XXXX XXXX XXXX GA XXXX Account XXXX submitted a false and frivilous account based on misleading information from Creditor -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I terminated application process with apartment mgr XX/XX/2018. I never signed actual leasing papers and never submitted a deposit because XXXX who was acting on behalf of the properly verbally terminated the application process. At that time, she instructed me that the process was complete and nothing else was required on my part. I have several voice mails from her indicating all of the above actions. To add I never had keys nor did I ever take physical possession of any units because XXXX was acting on behalf of the leasing agent and again terminated all associated actions. I have reached out to XXXX XXXX XXXX  and phonetically and thru certified mail and they have purposely refused to communicate with me. However, National Credit Systems have and they are aware that they made have been misled when they assummed the account as there never should have been an account from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: IN
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 have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint with Bank of America twice, regarding blatant fraudulent activity that occurred on my dads trust account that I recently opened, as the trustee. The initial time that I filed, I simply told them what occurred. The second time, I spoke directly to a manager and had him send it through. After it being rejected a second time, I had to take approximately 15 hours total out of my own personal time to basically do the claim workers job. I contacted each of the merchants where the transactions occurred and several of them agreed and had found prior to speaking with me that the transaction ( s ) were in fact fraudulent. Including a hotel manager who provided me with a personal statement that the criminal was in her hotel with a card, with my debit card number on it, the card had a mans name on it. She also said that he was in the hotel for a couple of days and trashed the place. I am a woman and I do not reside in Florida where the transaction occurred. I live in XXXX XXXX. Several of the transactions occurred out of state and even internationally. I find it utterly unfortunate that instead of protecting their clients, Bank of America has resorted to treating me as if I am the criminal. They had placed me in a position not once or twice, but three times. Bank of America personnel was supposed to take the time, just as I did to contact each of the merchants, and they clearly did not. Please view further information via my personal statement and police report filed. Please note : that one of bank of America 's reason for denial was that the trust account was not drained, and it clearly was, with about approximately {$4.00} left on the account after all the activity occurred. During the initial report, I was given inaccurate information also by one of the reps with regards to a certain transaction and its amount. The whole process has been an absolute nightmare for me and I will not stop until Bank of America does their job to treat me as though I am actually their client and not that of a criminal.

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 2019-10-08
Company: Dyck-O'Neal, Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/XXXX 

The second mortgage was owned by XXXX who sold it to XXXX  XXXX XXXX who sold it to XXXX XXXX and then it was service transferred Dyck O'Neal. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for both XXXX XXXX XXXX and XXXX who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These are inquiries I do not recall on my transunion credit report. Transunion has not provided me with any documentation providing proof that I applied for these creditors. 
They are violating my rights under the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate 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 2019-10-08
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/1969 my information was used in a Equifax security breach and also a medical company had send me a letter offering free credit silive wath for 2 years thru Equifax. My complaint is that when I try to sign up for the free promo. Along with the other free credit monitoring that's offer thru equifax I get a hard time. Reason is that the Equifax office of consumer affairs tells me that I cant enrolled in online services because my filed is handled by them. And I cant do disputes on line either. They block my file from online access. In order to do a dispute when I call them they tell me they have no access to my file and then transferred me to office of consumer affairs. And when I tell them that I'm disputing the negative account with chase and all the hard inquires as fraud .they keep telling me they need documentation like a ssa form from social security administration. I feel they don't need that information. Because they done disputes before in the past when I send in documents. They supposed to have that on file. And also they refused to remove the negative chase mortgage account and the hard inquires. Their violating the law by holding my credit file XXXX saying that my credit report will always be handled by office of consumer affairs. And don't tell me the reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to Regions ATM and used my card and it went through the entire process and no money came out but the money has been removed from my card.. It was all the money I had left and Regions told me This happens All the Tim They told me I was taking a risk using that ATM and its nothing they can do. The clerk told me I maybe I should get a bank account because it was a government issued card. She was so unbothered by me like I was the ground she walked on and it was not a concern of hers. She even said like if I stick my XXXX XXXX card in there and no money comes out I called my bank and they will give me money back. She said I never knew they gave yall cards with money on it anyway like why? I told her Im sorry Im a XXXX mom working my way to provide for my kids and I needed a extra set of help that Im grateful for but Im working hard so my kids want have to. 

Address XXXX XXXX XXXX XXXX, TN XXXX United States

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, Transunion, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

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 2018-08-20
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Post bankruptcy, People Commerce XXXX XXXX PA is showing I have a {$2300.00} balance with the credit bureau XXXX. My bankruptcy went thru XX/XX/2017, my account with People Commerce was closed XX/XX/2017. With XXXX they are reporting a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I disputed a charge with my credit card company Capitol One for a prepaid package of services that I never redeemed. I filed the complaint in XX/XX/XXXX and uploaded the records to the link provided. In the new year I received a letter requesting additional information I faxed all the records I had including the email receipts, the text thread from my phone and a statement explaining the details of the dispute. Capitol One placed the burden of providing proof solely on me which I did provide on two separate times ( uploaded & faxed ). Capitol One never required the vendor to provide proof the services were provided, they never even contacted the vendor. 
Capital One never placed the burden of proof on the vendor. I provided compelling information with dates and emails from the vendor demonstrating she cancelled and reschedule services without providing options to reschedule. I'm requesting Capital One refund the full amount of {$440.00}. 
XX/XX/XXXX after using the last XXXX  from a previous package I had purchased I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX  of 3 from XXXX by XXXX XXXX. I scheduled an appointment for XX/XX/XXXX and XX/XX/XXXX I received an appointment cancellation notification. On XX/XX/XXXX I scheduled a facial for XX/XX/XXXX. I received an notification on XX/XX/XXXX that my appointment was rescheduled. I then received subsequent emails about the XX/XX/XXXX appointment being rescheduled and the postponed reopening. I didn't receive any further emails regarding updates on the reopening or how to redeem my services or redeeming the pre-paid money for the services. XXXX, the vendor and would text occasionally and I would ask when I could reschedule and I even offered to connect her with a commercial realtor to help find a location. On XX/XX/XXXX I text her about my prepaid services and how to reconcile, XXXX never responded to my text. I spoke to the owner of the spa studio XXXX rented from. XXXX XXXX informed me XXXX owed her several months of rent and many of her other clients came looking for XXXX too. 
**As of XX/XX/XXXX I received a response from XXXX by XXXX XXXX on XXXX and she indicated she is currently working. Please see the XXXX XXXX attachment. 
( The former spa studio that XXXX by XXXX XXXX owes ) : XXXX XXXX XXXX : XXXX Email : XXXX Last contact for XXXX by XXXX XXXX XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2023-03-07
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:
PLEASE DELETE THESE ACCOUNTS ASAP

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 2019-10-08
Company: Regional Management Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to SYNCB/ROOMS TO GO ( Opened XXXX XXXX, 2018 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/ROOMS TO GO agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I was charged a {$25.00} late fee on 2 of my credit cards and my payments were made on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I wrote Moneygram in XXXX, MN. on XX/XX/2018. This concerned check No. XXXX, which was from a closed account at XXXX XXXX XXXX. In various e-mails with Moneygram, an e-mail from the Auditor, Resolution Assurance Dept. of Moneygram International on XX/XX/2018 advised they were working on obtaining a new check for me. However, I have e-mailed several times since, and have not had a reply or check delivered. 
This was their case # XXXX. 
Please see if you can have Moneygram issue me a new check. Thank you.

Company response to consumer: Closed with explanation