BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-01-20
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:
Please remove this account, and the inquiries not authorized.

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 2022-04-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at XXXX XXXX says that I was not removed by XXXX XXXX, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted Experian, and to my shock on the Experian report as having a XXXX XXXX card, XXXX with a credit limit of {$30000.00}. Actually, I have NO XXXX  XXXX card. 
I sent an e-mail to XXXX XXXX XXXX AND to the XXXX  XXXX credit Dept, but no response.

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 2017-10-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and Experian both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork on XX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or Experian ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and Experian and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, Transunion and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( Transunion or XXXX ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to Transunion and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

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 2022-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account was supposed to be linked to my savings account. When my checking over-drafted {$1.00} Bank of America charged a {$35.00} overdraft fee without debiting my savings account for the over-drafted funds. Upon calling them to reconcile the problem, they told me I had XXXX over drafts in XXXX alone that Id paid {$170.00} in fees. The XXXX XXXX XXXX from the deposits department in Alabama did not believe that in XXXX I opened the account as an XXXX XXXX XXXX and was sold on having a savings account ( $ 5 monthly fee when under {$300.00} deposit ) for overdraft protection purposes. I have now paid in excess of {$270.00} in fees in the last year alone for a service I was sold to avoid this exact issue. This is how banks constantly fraud customers, especially young customers.

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 2021-05-14
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: SYNCHRONY FINANCIAL
State: OH
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:
Please remove SYNCB/CARE CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX XXXX i made a deposit of XXXX and it only credited it me for XXXX dollars

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 2020-04-25
Company: CITIZENS FINANCIAL GROUP, 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:
On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( Citizens One ) based on my XXXX  report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an XXXX  reporting error or a Citizens One reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged two insufficient funds fees on XX/XX/19 and XX/XX/19 for {$38.00} each ( {$76.00} total ) - Both of these charges were mistakenly applied to this account rather than to a debit card I have linked with another account. I had previously declined overdraft protection and don't believe that I should have been charged either of these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry on my credit file from XXXX XXXX on XX/XX/2021. 
I do not recognize this company and never dealt with such a name. 
They have an address of XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I called the phone number, someone answered and said He is not affiliated with this company and has nothing to do with such a name and asked me to report the incident as a scam.

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 2021-11-10
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:
The account showing on my report with all 3 credit co., is XXXX  XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE

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 2021-11-11
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from the debt collector and immediately requested validation of debt in writing, clarifying a letter as they stated they can not send it via email. I never received any letter validating the debt after providing my new address. They did send an email, but on the call we agreed the communication would be via letter. I had a lawyer on retainer and was prepared to dispute the claimed debt once received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Problem with AAA of the XXXX XXXX XXXX XXXX. 

1. On XXXX XXXX, XXXX, I received notice from AAA that effective XX/XX/XXXX my existing Bank of America AAA Visa Card would be cancelled, and that I would receive a new " AAA Dollars Plus Visa Signature '' Card ( issued by XXXX XXXX  ). 
2. I had accumulated over XXXX Rewards Points at the time that card was cancelled by AAA. That AAA/Bank of America Rewards Program specified that every 25,000 in Rewards points could be converted into {$500.00} in cash or {$700.00} in AAA Travel Vouchers . Accordingly, those 126,000 existing points could have been converted into {$2500.00} in cash or {$3500.00} in AAA Travel Vouchers. 
3. When I received my first statement from the newly issued AAAXXXX XXXX Card for the period ended XX/XX/XXXX, it reflected under the " AAA Dollars Plus Rewards Detail '' that I had {$1200.00} in " converted rewards '' ( from the prior AAA Card that was cancelled by AAA ). In other words, I was credited with ONE HALF the dollar value that had accumulated under the card that AAA cancelled. THERE WAS NEVER ANY DISCLOSURE IN ANY OF THE COMMUNICATIONS FROM AAA THAT THE VALUE OF MY REWARDS FROM THE CANCELLED CARD WOULD BE REDUCED BY HALF ( OR MORE BASED ON THE POTENTIAL CONVERSION TO AAA VOUCHERS ).

4. I called AAA regarding this issue on XX/XX/XXXX, and was told that they would " review '' my issue/complaint. About a month later I called again, and was told by a " supervisor '' that the " computation '' of my reward amount was correct ( based on the never-before disclosed point that the conversion factor for previously accumulated rewards points would be based on1 % - vs. 2 % on the cancelled card )!

It is clear that in changing their rewards program in the way that AAA did ( with totally incomplete disclosures on the impact on the accumulated awards of existing card holders ) AAA succeeded in dramatically reducing the financial obligations that existed under the " cancelled '' VISA Rewards program. I am reasonably confident that I was not the only cardholder impacted by this action. In my opinion this action by AAA of the XXXX 's is/was at the very least fraudulent, and perhaps 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 explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, Experian investigated my disputed item posted by XXXX XXXX XXXX and allowed XXXX XXXX XXXX to incorrectly update the account as an unpaid charge off on XX/XX/XXXX. Both XXXX XXXX XXXX and Experian knew that XXXX XXXX XXXX sold the debt to new creditor XXXX XXXX XXXX in the year of XX/XX/XXXX and that I paid the debt in full to the new creditor on XX/XX/XXXX. I have supplied both XXXX XXXX XXXX and Experian with the documentation ( attached here ) from XXXX XXXX XXXX that I paid the debt previously owned by XXXX XXXX XXXX in full on XX/XX/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 2022-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : Its 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 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/2013

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 2022-04-03
Company: Upgrade, 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:
Received a packet of information in the mail from UpGrade - account information, pin, debit cards. Never activated them. Called UpGrade to ask them to close this account. It is a line of credit. They farmed this out to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) - I live in Illinois. Called them ... they sent me several letters saying that I had tried to change the PIN ( first red flag ) and then a statement show that an ACH payment to a routing number at XXXXXXXX XXXX in XXXX, PA I then received a letter from them stateing they had terminated the account to to improper account activity. UpGrade continues to send me statements, which are seriously past due. I have had no luck with UpGrade closing this account. It is now on my credit report and show a balance of {$7000.00}. My bank will vouch for the fact that I have never received this money. I have had a freeze on my credit for the past two years so this company never checked my credit before issuing this line of credit to who ever used my name, address, and email address. I now have a fraud alert on the three credit bureaus. I filed a dispute but this week XXXX sent me a letter saying that UpGrade is saying it is mine. I need help getting this off and getting UpGrade to close this account and remove it from my credit report.

Company response to consumer: Closed with explanation