BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
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: Was not notified of investigation status or results

Complaint:
TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion XXXX failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account XXXX : XXXX BANKRUPTCY/ Account Number : 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 2022-04-21
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I made a purchase from a store called XXXX XXXX to provide as a gift for a XXXX XXXXXXXX. After a month of no order update regarding shipping and not being able to contact the store via email or social media, I opted for a dispute with the bank i made the purchase through being Credit Karma Money XX/XX/XXXX where I received a provisional credit for the {$65.00} that was spent. I received an email XX/XX/XXXX regarding the dispute and saw {$65.00} pulled from my account. When I called to find out what happened, they claimed that the dispute failed because the items where delivered. I never received the item and the XXXX XXXX website has been down since XXXX. When I asked how did they came to that conclusion, they could not provide an answer and claimed to have escalated the case XX/XX/XXXX. I have yet to hear back a week later and when I called in I was told that it hasn't been looked at yet and still processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
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 went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried disputing the accounts on numerous occasions with XXXX, Transunion, an XXXX. I havent applied for credit, my information has been compromised. The address are fraudulent. I have disputing the same accounts they wont let me dispute them for the second time. These accounts are affecting my life, I cant get a job or proper housing for my kids. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2022-04-21
Company: Experian Information Solutions Inc.
State: IL
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:
I've just received my credit report and noticed unauthorized items that shouldn ; t be on my credit profile. These have been rough times during these troubling times

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 2022-04-21
Company: EQUIFAX, INC.
State: WA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of any business transaction with either " The   XXXX   XXXX   XXXX   '' or "   XXXX   XXXX   ''. Currently these " organizations are reporting a delinquency with the  XXXX  major credit reporting agencies. After my own investigation I confirmed with the California  Secretary of State th at neither " company '' has a valid and current  Corporate  status. In fact both have been suspended and are now illegally operating.        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 monetary relief
Consumer complaint received 2016-05-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was contacted by a person claiming to be an official with my local XXXX. The phone number he called from was a local number, so I believed he was who he said he was. He asked if I had been served a summons to appear in court. I told him I had n't. He stated that there was a case against me for defaulting on a loan from ace XXXX express. He stated that he was going to put a hold on my case for 30 minutes in order to give me time to contact the party that had filed the case. He stated that if I did not comply within 30 minutes my drivers license would be suspended. I called the number he gave me and they stated that they were with the XXXX and XXXX law firm and that I had defaulted onot a loan with ace cash express. They stated that they needed to collect a sum of {$760.00} today. I informed them that I could not pay that amount. They agreed to spread the amount over XXXX payments with the first payment to be collected on XXXX XXXX 2016. I was hesitant to give my bank information until they stated that if I did not set up this arrangement then and there, I would be sued for the attempt to commit fraud and my license would be suspended. After they collected XXXX on the XXXX, I called a day before the next scheduled payment asking for an extension. I was denied and told that if I did not pay, my case would be forwarded to the legal department to start the litigation process against me for attempting to commit fraud. I agreed to pay {$95.00} on XXXX XXXX. I then began researching their process and came to the understanding that they did not have the right to threaten me or misrepresent themselves. I dug further and found out that the person that originally called me claiming to be an official for my local XXXX did not exist. I attempted to contact XXXX and XXXX to ask questions and was told that they were not going to deal with me anymore and my case would in fact be forwarded to their legal department. They 've refused to speak with me on the matter since. They never provided me with any documentation of this debt to ace cash express and I feel they have violated my personal rights and the rights under the law that governs their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
I have requested from XXXX, Experian XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, Experian XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, Experian 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 2022-04-21
Company: STANDARD MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) the company gave me no notification that they were the new owner of my loan.

2 ) the company support phone line and email will not answer 3 ) they have no option to go paperless 4 ) I signed up for auto draft on the XXXX of each month, but they will not draft. I have to call and leave voicemails on the support line each day for 5 days after my draft until it is drafted. 
5 ) they do not allow me to make one time, lump sum payments towards my principal

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 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a problem with my checking account with Bank of America there was 2 Fraudulent Transaction done in my account for the amount of XX/XX/2022 for the amount {$31.00} and another fraudulent transaction {$72.00} XX/XX/2022 i never did any business with XXXX XXXX or gave my card information to this company and also the XXXX transaction {$72.00} i never did any purchase on my account for this transaction on XXXX please help me with the dispute i contacted Bank of America customer care and they still havent resolved this problem or provide me a temporary credit on my account and I should not be responsible for this fraudulent transaction

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 2022-04-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
An address on my credit report does not belong to me. I dispute with the credit agency.

two out of the three remove it with no problem. the third refuse to remove it. The is 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 explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-16
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Late fee

Complaint:
I had a Macy 's American express card ending XXXX. In XXXX, XXXX, I made a purchase of a XXXX dollar. I have not received statement via email or mail of this charge so I soon forgot about it. Until today XXXX/XXXX/XXXX, I was surprised by a letter sent by Macy 's which indicating a balance. I was astonished to learn that because the balance has not been paid, a late fee was levied on every month besides interests charges, amounts to XXXX today. I immediately contact the customer service and indicating that I have not received statements. The representatives mentioned that they have been trying to contact me via the phone but they could not produce the email or other records of statement being sent to me. In brief 6 months time, a mere XXXX dollar balance multiplied 10 times to what is standing today XXXX dollars. 
If ones character must be taken into account in this matter, I have a stable job and excellent credit history that I am willing to produce ample proof. I am willing to paid for reasonable charge and interests accumulated due to my oversight but I can not understand how anyone could be punished by the levels of charges by Macy 's American express. I could not help thinking this practice is predatory in nature, and should be penalized and stopped before next victims.

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 2022-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
they barckleys constantley mess up my website costing me time and money and i am sick of it i want fixed and i want my time and money this is a joke

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}

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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX is using my private information regarding 501 ( c ) ( 1 ) TAX EXEMPT ENTITY in PROHIBITED TAX SHELTER TRANSACTIONS for purposes of EMBEZZLEMENT pursuant to AGGRAVATED IDENTITY THEFT in commerce without consent nor return of benefit without XXXX or XXXX forms ever being filed. 

XXXX BOARD OF DIRECTORS given notice of damage FROM XXXX XXXX via USPS CERTIFIED MAIL NUMBER XXXX XXXX XXXX XXXX XXXX and refused opportunity to cure. 

XXXX BOARD OF DIRECTORS now being given NOTICE OF INTENT TO LIEN and INTENT to SUE.

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 2016-06-28
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX, 2015 we decided to purchase new appliances from Lowe 's in XXXX ( XXXX # XXXX ). The total amounted to {$5100.00}. I offered to pay for these items with my existing XXXX XXXX to earn miles on XXXX XXXX, this is what I usually do for any large expenditure. However, I was advised to apply for a Lowe 's credit card to receive an additional 5 % discount off our purchase. That additional discount would amount to approximately {$250.00}. I was approved for the Lowe 's credit card at the Customer Service counter then proceeded in finalizing the transaction. Since the transaction was a bit complicated, it was n't until I got home and later reviewed our receipts that I noticed we did not receive the 5 % discount for using the Lowe 's credit card. I have emailed Lowe 's customer service, spoke to the Assistant Manager, requested assistance from upper management but to no avail. Now they do n't return phone calls and my only communication is with Lowe 's Customer Service, located on the mainland. 
I would have never applied for a credit card that charges 24 % + interest if I were n't able to receive a XXXX % discount. I have other credit cards I prefer to use. I believe we were misled and ill advised. In the promotional material from Lowe 's at the store and in the mailings I have received from Lowe 's when I received their credit card it states " XXXX % off every day. ''

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 2022-04-21
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$370.00}

Company response to consumer: Closed with explanation