BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have called several times to get my US Bank Reliacard activated and the company will not activate my card. They asked me to upload a picture of my drivers license and a selfie of me at verify.usbank.com/retail and I did that. I called and waited on hold for hours and the representative said they can't help me. There is nothing they can do. The card is locked and she didn't know how to help. I asked to speak to a supervisor. The supervisor said she couldn't see any of my information and we had to upload the drivers license and picture ( selfie ) again and wait another 7 to 10 business days. I have called at least 20 times to US Bank Reliacard to get a new card and activate it. I finally received the card months later and now I can't activate the card and they keep saying they can't help me. What am I supposed to do? I need to pay my bills! Thank you for your assistance  in this matter. The customer service phone number that I have been  calling is XXXX or I have also been trying to activate the card using the website listed on my mail. www.usbankreliacard.com

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX I have sent letters to the three main credit bureaus Transunion,XX/XX/XXXX andXX/XX/XXXX. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and anxiety. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, Equifax claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX XX/XX/2020 XXXX BANK XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX  CARD XX/XX/2020 XXXX BANK XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your 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 ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2023-07-25
Company: TD BANK US HOLDING COMPANY
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-08-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have attached accounts reporting to my credit bureaus that are not mine, They are authorized users and I am not responsible for these cards. Per the FCRA everything that is reported to my credit bureaus need to be reported 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We booked a vacation through a property management company, and when we arrived at the location, the previous tenants had destroyed the property. We attempted to resolve our issue with the company, as we were not able to stay at the location. The company is stating we were offered other accommodations, and declined them, which is a lie. As such, we were required to book with another company, and did not receive a refund. We have attempted to dispute this with the credit card company, but have been denied, as the rental company is lying to them about the situation. This was from XX/XX/2020 for {$1800.00}.

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 2017-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 

1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18
Company: BANK OF THE WEST
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a boat loan in XXXX of 2017 through Bank of the West ( BOW ). Never missed a payment. In XXXX, when the pandemic started, they started a loan assistance program where i could defer my payment for three months and extend the loan terms for three months, with the understanding my principal balance would still accrue daily interest during deferral period. Three payments were deferred, XX/XX/17, XX/XX/17 and XX/XX/17. I resumed my payments on XX/XX/17. My XX/XX/17, XX/XX/17, and XX/XX/17 were all applied as one hundred percent interest and zero to principal. I have disputed this with Bank of the West as this was not what was verbally explained to me on a recorded phone call. I initially reached out to BOW on XXXX with regards to this matter and all they could say was this was correct. I wanted a recording of the call and they said they would research and make it available which they have yet to do. I asked for an updated amortization schedule proving the interst had accumulated and they have not provided. I have had 11 email correspondence and four phone calls with a total wait time on the calls of over 2.5 hours. Here is my last correspondence where i had to manually calculate the interest and show them they are wrong. I need help as they are very slow to respond and are not willing to provide the necessary help in order to correct this matter. 

Based on what I have researched. If you are telling me my loan accrued daily interest for the three months with the principal balance being {$22000.00} at the time I accepted the deferral program, with my interest rate being 5.74 %, my daily interest should be calculated at approximately {$3.00} per day. If I deferred payment for 90 days, my interest accrual should be approximately {$320.00}. I resumed my payment of {$210.00} on XX/XX/17 and 100 % went to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. 

By my calculation, that is {$640.00} that was applied straight to interest from XXXX. This is NOT correct. I only accrued {$320.00} in interest. I need someone to spell it out. I am also tacking on three deferred payments on the back end of the loan ( as YOUR attached email describes ) so the amortization should have evened this out over the life of the loan, not on the front end after the deferred payments. I do not understand this and I should not be the one having to figure it out.

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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 pulled my credit report twice when it was supposed to be one hard inquiry. 

XXXX XXXX XXXX pulled a personal hard inquiry for my business application that they weren't supposed to obtain.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company won a garnishment against me in a judgment on XX/XX/2019.

The garnishment did not commence untilXX/XX/2019.

The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me hostage for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false 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 2020-12-07
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
I am unaware of this inquiry on my credit report. I have a current vehicle loan with another financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed in XX/XX/XXXX when I lived in California. I am now in the XXXX at XXXX XXXX/XXXX and my XXXX XXXX shows that US Bank claims on my credit report that this debt is still owed. I am currently working with a financial counselor and she assisted me today to reach US Bank and try to get a XXXX issued since the limit of liability has expired on this debt. XXXX @ XXXX told me and my counselor that the car was not repo 'd until XX/XX/XXXX and that there is a class action suit on this case. They told me that I would have to contact XXXX XXXX XXXX @ XXXX to find out any details. When we called it tells us that the number is no longer in service. This is holding up my XXXX XXXX for the XXXX XXXX XXXX and I want this to end.

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 2020-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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/2020, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I own a UBER Visa Credit card with Barclays US. I owned the card for over a year and accumulated worth of {$170.00} points/rewards. 
I am having financial difficulties paying down my balance so I requested them to use my points and redeem them toward my credit balance to pay down the balance. They are not willing to do that and they are basically telling me my only option is to redeem my point to Uber app and used Uber services. 
I do not use uber services, I did not know about this policy while I was using the card for my purchases, and I really need my {$170.00} to help me to pay off my credit card balance. 
I have been having long conversations with the credit card company but they are not willing to accept my request. 
My complaint is why a credit card company should be able to force me on how to spend my points? 
Please review and help! 
Thanks, 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 2018-07-16
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notify by the I.C. System of a debt that I do not owe with XXXX. The account that they are talking about is XXXX ( XXXX ) and they have it under account number XXXX and the reference number is XXXX. The problem is that order was cancel back on XX/XX/XXXX. I have call XXXX and spoke to a XXXX, XXXX and no one can seem to find it. I do not owe them anything because it was cancel. I live in an apartment complex and satellites are not allow and I have my lease to proved. So it was never set up and I never got any equipments. I do not owe anything and XXXX said they do not see anything concern this account nor my phone number. Could this be a scam. Usually it takes 90 days before a company would put thing in collection department. If this order date was made and cancel on XX/XX/XXXX and and I am getting a collection notice from I.C. System on XX/XX/XXXX and XXXX has it only collection department that I find out this morning. and they do not know anything about this. I concern this may be a scam and I do not owe anything because it was never setup and I have not sign anything and my landlord does not allow satellite at the apartment.

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 2020-09-02
Company: EQUIFAX, INC.
State: CT
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 have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX  XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXXLoan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX  - Loan Amount {$0.00} XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: IL
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:
starting in XXXX 2017 until XXXX 2017 i have had serveral unauthorized charges on my Chase checking account. Chase Bank has denied refunds for most of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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