BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
I have sent several complaints to the CFPB about a debt that is not mine. The collection company response yes it is is not proof it verification. Sending a copy of a statement showing someone charged XXXX  account I nothing more than proof of fraud. I have asked for proof this is my debt. Thy cant provide it because it is not. Saying company responded claim closed is not adequate. referring to FTC does nothing to remove unverifiable debt collection by portfolio recovery associates. Saying you cant find them is another valid  reason to remove these collections. How can I be reported by a company that does not exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XX/XX/2022, I received an automated alert from one of my credit monitoring services ( XXXX ) indicating that a credit inquiry had been requested and was subsequently blocked by my credit monitoring service. At the same time, XXXX reported a " soft inquiry '' through an XXXX data breach monitoring service. When I inquired with XXXX they indicated that it was an inquiry made by Bank of America. Coincidently, about 1 week later I received a " XXXX XXXX XXXX '' credit card from Bank of America in the mail. I called Bank of America to report that this was a fraudulent account, opened in my name, without my consent. They immediately reported the event as a fraudulent claim and closed the account. 

I reported this all back to XXXX, as part of the XXXX data breach reporting service I have established. They recommended reporting via the Federal Trade Commission, which sent me to this site to make this report. 

Let me know if you require further 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX, I filed a complaint with CFPB in reference to negative reporting and inability to resolute negative credit reporting after compliant CACI, deleted negative reporting from credit report. Now XX/XX/XXXX, CACI have reflagged my credit report for same COVID medical bill with different amount from {$1600.00} to {$2400.00}, for same account number with no explanation or letter in reference to past due, last communication received was clearing me from medical debt balance to {$0.00}. In XXXX and XXXX, during the XXXX, I was diagnosed with XXXX  XXXX XXXX  with once experiencing severe symptoms where I was in emergency room for hours approximately XXXX hours to temporarily gain control by medical professionals before discharging. However, I was advised that my medical bills were covered under Cares Act due to qualification from my positive XXXX cases. I submitted a disputed on this medical bill which were flag on my credit report by CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX. I disputed on behalf of Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19 I received a call from samone who identified as a family member requesting that I send a XXXX payment. Because I typically send payments to that particular family through others I wasnt reluctant to send the payment. I called that family member on XX/XX/19 concerned that they had not received the funds. At that moment that had advised they never called and it wasnt them that made the request. I immediately called my bank to make them aware and file a dispute. They said that this will be filed and take 10 business days which I was advised no later than XX/XX/19. I have not received any paper work from Wells Fargo not via mail or email regarding my claim. Every time I call Im transferred several times. It pains me to see that my bank is supposed to protect me and yet they havent. Out of the millions of customers Wells Fargo has defrauded they should be more helpful to the customers whos remained loyal to them after all the things that have transpired. Its {$90.00}! Thats not going to XXXX  them to credit a customer who never disputes anything. My cell phone service was turned off over this! I had to do without gas and no one takes this serious. Its sad. I want someone to do something about this!

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 2018-02-18
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX XXXX XXXX, XX/XX/XXXX -TD AUTO FINA , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In XXXX I got a car from us auto XXXX XXXX XXXX about three weeks of having the car I start having problems. I called us auto to see what my options was on getting the car fixed. The man from us auto advise me to take my car to there shop to get it looked at but the shop has alot of cars right now he will give me a call back with more information on when they can fixed the car. So two week passed by I called only now I'm mad because now he tell me they still have alot of cars. Give him about another week not he would see what he could do to get me another car. Another week pass no call now I call him back now only for him to tell me that he not able to put me in another car because I still owed alot on the car I already have... So at this point I'm stuck with a vehicle that doesn't work correctly and I can't get out the car until I make the payments down. So I looked at my contract and noticed the amount when I got the car was different on the documents. So i called and asked he told me it's entrance fee. That's alot of fees I'm buying two cars in one ... So fast forward to XXXX since then I been paying on a car that doesn't start every time I try to start it. My car jerks when it switch gears the air went out the people can't find where the leak coming from. So I said I'm not calling this time I'm going up there. And when I got there I was surprised no cars and no one in the off. The company close down without any letters or communication to the customers that they was filing for bankruptcy. So now Westlake portfolio brought us Auto out and now I'm trying to deal with them and they clueless on what's going on because there are no documentation on what was going on and I asked for my warranty to try to get my car fixed they gave me a number now to find out the numbers out of service I'm just really lost and speechless right now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from Navy Federal was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by XXXX that the information is verified as accurate. How can that be so, if it is not my account? Please handle both XXXX and Navy Federal in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past several months, I've been attempting to get the lender to stop charging me for Private Mortgage Insurance ( PMI ). Over the last three months, the three SLS representatives I talked to on the phone told me I met the 80 % threshold, and since I have always been current on my payments, that PMI was no longer required. Yet, I continue to be charged a monthly PMI. 

Original Purchase Price ( XX/XX/2015 ) : {$290000.00} Original Appraised Value ( XX/XX/2015 ) : {$300000.00} Current mortgage balance : {$220000.00} ( 77.9 % of purchase price ) Monthly PMI escrow : {$47.00} Current market price approximately {$390000.00}

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 2019-07-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi I have been a customer with AMEX for quite sometime. I have XXXX personal accounts and XXXX biz acct. I fell behind on my XXXX account over 30 days. The XXXX   account is in an XXXX. My XXXX accounts I have always paid within 30 days. I have had trouble paying my XXXX  account due to a XXXX XXXX. AMEX is hurting my credit report since they have closed both accounts and are not reporting my history of making payments. 

I am paying extremely high interest, The least that they can do is report my credit accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting 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 XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681Section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-01-27
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX  and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At first, I had a payment to make but was unaware that credit cards were not an acceptable payment method. I notified the credit card company about the issue, and they promised to send a letter regarding the matter. However, I did not receive any correspondence, so I contacted them again. This led to a second investigation, which took two months to resolve. During this time, late fees and interest were added to the balance owed. Eventually, I paid the full amount, which was initially $ XXXX, but due to the additional charges, it amounted to $ XXXX by the due date of XX/XX/2023. After paying the balance on XX/XX/2023, I requested that they close my account, which they did successfully. However, I was surprised to receive bills again, including interest and late fees that I can not identify. I have already paid the entire balance, and these new charges feel like harassment. Despite paying everything on time, I continue to receive bills with increasing amounts every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation