BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
From late XXXX of XXXX until late XXXX of XXXX I was charged by the company XXXX for purchases that I did not make totaling over XXXX XXXX On XX/XX/XXXX I was charged XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, on XXXX XXXX, on XXXX XXXX, on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX and XXXX and XXXX, on XX/XX/XXXX XXXX. I contacted XXXX and they were able to refund only a a few dollars saying that I reported it too late. I contacted my bank, Bank of America, and they were also able to only refund a few dollars, saying that the majority of the money could not be refunded because it was reported too late. I travel for work and go backpacking a lot so I was not able to do a complete audit of my bank account spendings until I was done traveling, so I did not notice the fraudulent expenses until a few months after. At the time of the charges from XXXX I had been backpacking the XXXX XXXX and was not in a place where I could be constantly checking my bank account.

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 2018-12-04
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX repossessed the vehicle on XX/XX/2018. We reinstated the loan on XX/XX/XXXX, which included the repossession fees of {$700.00}. There was to be another {$120.00} that would be billed at a later date. That was told to us by XXXX and the company the repossessed the car, which was fine. Since we reinstated the loan, XXXX has charged an additional {$700.00}, {$15.00}, and {$170.00} respectively at different times. There has been no explanation as to what the fees are. They are placed under " other ''. I have sent XXXX 2 different letters disputing the charges and they have not responded. As you will see through the documents provided, all past due amounts, late charges, and repossession fees were paid on XX/XX/XXXX ( please see " transactions '' ) I paid the exact amount they said in their certified letter that was needed to reinstate the loan. ( see reinstatement letter ) In addition, I have provided the statement from the repo company that all fees are to be capped in {$120.00} ( see vehicle release fee cap ). Finally, as you will see through my documentation, XXXX has failed to produce a statement for me since XXXX ( see statements ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than XXXX pulls because I didn't want any hard inquires on my credit, however I ended up with more than XXXX hard inquiries from auto financing without my consent. Also there are some credit cards applications that I do not recognize.

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 2020-09-20
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I HAVE CALLED MISSISSIPPI EPPIC CARD 5 days in a ROW STAYED ON HOLD FOR 4-5 HOURS EVERYTIME OBLY SPOKE WITH A LIVE PERSON ONCE ONLY TO BE TRANSFERRED AN STAYED ON HOLD ANOTHER 2 hours Till I finally hung up! STILL NOT ABLE TO USE MY CARD With {$1600.00} on it!! No one will help me get my card unlocked!! EPPIC card customer service an speaking with live person is ABSOLUTELY PATHETIC AN IMPOSSIBLE! Someone please do something aboutt this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received correspondence on XX/XX/2019 with regard to a debt owed to XXXX XXXX University. In response on XX/XX/2019 I sent a verification of debt letter. In response to my letter of XX/XX/2019 I received an envelope full of a contract with email correspondence. I then contacted them on XX/XX/2019 to advise that this debt is not owed as the contact I had with this school has been fulfilled enclosing proof of same. Instead I received a copy of a Summons and Complaint suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX BankruptcyXXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: DC
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX XXXX XXXX GA XXXX is not my address. 

Also inquiries are reporting on my report that I dont recognize XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/XXXX in the streets of XXXX, my friend and I we're walking on the way to a Volunteer after party at XXXX after volunteering in the XXXX convention for approximately 4 days. While on the way, 2 random gentlemen that I have no clue snatched my phone while walking to the venue, started threatening my friend and I by pointing at their pants, indicating they must've carried a weapon, and kept threatening us, while using my phone at the same time. In that timeframe, the person used XXXX to transfer themselves XXXX XXXX to their account as well as accessing my Chime account to transfer themselves another XXXX XXXX Never having dealt with such a situation, I immediately called the Chime dispute team to try and dispute the charge as the trying to remedy the situation. The person on the phone assured me that their investigated team would solve the situation in the timeframe of 10 days, and that in the meantime, I would be granted a temporary credit of XXXX dollars given that I've never had an issue with this banking system prior. No later than 24 hours, my dispute is closed and denied. I called back the dispute team immediately, only for them to reassure me that the investigation could not have concluded in that immediate matter of 24 hours, and that there errors, and the case would reopen. Since, my case has yet to reopen, and my avenues to try and contact the dispute team has only been met with automated messages, and I've yet to receive the " investigation '' documents that I was promised regarding my case. If chime just checked the other person 's account as shown in my supporting documents, as see their suspicious activities, it would be obvious that they obviously stole the indicated money as stated. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged excessive fees and interest charges of 29.24 percent base upon a late fee that was not late but continue to charge trailing interest fees to my account even though they corrected the error and credit my late fees. Also my total American Express balance including pay overtime balances was all paid Off in full on XX/XX/XXXX by my credit union, therefore the total balance was paid in full. Why was a new charge of {$5300.00} added to my billing statement in pay overtime portion billing statement XX/XX/XXXX? I ask many times about that balance no concrete answer, but they continue to roll over that pay over time balance and it continue to increase and the fees and interest continue to increase, Why? That pay overtime should have not been applied to my account billing statement. That is fraud and double billing because that balance was already paid off on XX/XX/XXXX which it still on my billing statements but with increase balance and fees and interest charges. Also on XX/XX/XXXX a payment was made on the due date but American Express added a late fee charge of {$29.00} dollars stating my payment was late and added increase interest fee rate at 29.24 percent with a continuing trailing interest. I was added interest to payment that was not late they even credited back to my account both times and on XX/XX/XXXX but still continue to charge interest at 29.24 percent towards the double billing balance on the pay over time balance and change it to pay overtime direct and pay overtime Select. Which is new. On many occasions I inquired about that double pay overtime balance but I was ignored. They never corrected the double billing. Please address this matter to XXXX XXXX. XXXX ( XXXX  ) telephone number is XXXX because Im not getting nowhere with customer care persons. I sent documents directly to the department where it stated on the billing statement if you think a mistake has been made on your billing account send in documents, which I did several times at one time  they said they didnt receive any documents but I have the post office tracking numbers receipts, then they say oh we got the documents but still ignored my claim of double charging of pay overtime balances along with fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX 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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.

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 2023-08-26
Company: EQUIFAX, INC.
State: NV
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal 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 2018-10-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hi I applied for a Walmart credit card and I input all my information correctly and was put on hold for awhile and synchrony bank didnt give me a reason why my application is put on hold or contact me to verfify that I applied for the card all they told me is that I have to wait for a letter that coming in 7-10 days I was told at the end of the application is to call the bank and tell them I applied and the supervisor is giving me a XXXX response and my credit report was pulled and I had applied in the past with synchrony bank and they keep giving the run arounds and made to fax and notrize documents and I didnt get a final decision 40 days later with another credit card ... ... my Walmart credit application number is XXXX and I want some answers this is why I voted for XXXX ... .... we need american call centers ... ..

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 2023-05-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-02-14
Company: Experian Information Solutions 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:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.

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 2018-09-10
Company: WELLS FARGO & COMPANY
State: CA
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 have a loan with WELLS FARGO late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

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 2022-02-11
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: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief