BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my Trans Union, XXXX and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}

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 2017-04-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BBVA Compass pr olonged process to deposit insurance check. I received an insurance check to pay for damage to my home. I went to deposit the insurance check at the local BBVS Compass branch, was told I would need to complete pages of forms and mail the check to Alabama processing. After that it would t ake 10-15 d ays to process and return endorsed check. Real ly? BBVA Compass g ets to hold my check for almost a month?? In the meantime I 'm  out $ 12,000+ in  personal funds. Ouch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
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: Their investigation did not fix an error on your report

Complaint:
There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, XXXX  Amount : {$110.00} Actions : Disputed the collection with the 3 major 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 2022-08-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX as well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the XXXX as some information has been mixed up and given to other people please help me fix this situation

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 2015-11-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
SYNCHRONY Bank/Amazon I place an order with XXXX in XXXX, I returned the defective item XXXX XXXX, Amazon received the item on XXXX XXXX but never issued a refund to my credit card. I called the card company today wanting to dispute the charge the bank told me they wo n't do the dispute and to call Amazon. Today I have been on phone with the bank and they said call amazon. I was on with Amazon they said call Synchrony bank. This happened about XXXX times today. I did close my account with this bank behind this issue. I paid the all the bill except {$53.00} the amount of the credit I am due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Late fee

Complaint:
In XXXX of 2015 my hours at work were cut from 40 hrs to 20 hrs per week. I could not pay the full payment on my Walmart Discover card and started sending only {$100.00} which was all I could afford. On XXXX XXXX I called the number on my statement and spoke to XXXX. I explained what happened and he said he would have to connect me to an account specialist. Twice I waited on the line for ten minutes and no one ever picked up. I tried calling the number on the Synchrony Bank letter I received in the mail only for it to be XXXX. I would like someone to listen to what I have to say and stop adding late fees to an account I can not pay off any faster than I am. They also charge too much interest. I have not used this account in over three years and it has not gone down. I even dropped the XXXX insurance hoping it would make a difference but it did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Transunion  and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Westcreek Financial
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This company is up to their tricks again. Reported twice on my credit report late when I paid off this loan from what I borrowed. 

I also believe it's a retaliation of all of the call complaints I filed against this company. 

PLEASE SHUT THIS COMPANY DOWN. They are thieves. I financed {$2900.00} and they wanted me to pay back {$6200.00} approximately. This company is worse than a payday loan. 

SHUT THIS COMPANY DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX ( Finance ) - XX/XX/2021 XXXX XXXX XXXX ( Finance ) XXXX XX/XX/2021 XXXX XXXX XXXX ( Auto XXXX XXXX XX/XX/2021 -XXXX XXXX- XX/XX/2021 -XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX ( Finance ) - XX/XX/2021 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 2018-07-13
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 ID theft. My personal information was compromised several years ago. I have constantly sent information to each credit reporting agency so they can block the inaccurate information from being on my report to no avail. I've filed a FTC report, police report, affidavits and etc. The information continues to be reported inaccurately.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Inaccurate information on 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
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX/ XXXX XXXX  account # XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX- XX/XX/2021 -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -XXXX  XXXX XXXX  XXXX- XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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 XXXX credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from 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 2015-04-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I asked a customer representative on XXXX XXXX how much I owed to get my home mortgage out of default. I was given an amount and I asked if the method of payment was acceptable. The payment was returned two weeks later. I was told today I had to pay the late fees and could not repay them later ( as told by previous rep ). The delay increased the amount I owed to more than a thousand, catching me in complete dire straits. I do n't understand why I can not get out of default paying the months I missed alone. I should be allowed to pay fees ( which are egregious ) later. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Please reference attached email/letter communication w/ Wells Fargo Bank XXXX XXXX XXXX 

I received a credit card solicitation from Wells Fargo Bank in XXXX and responded by completing an online application for the same shortly thereafter. Wells Fargo acknowledged receipt of the application via email on XX/XX/XXXX ( copy attached ). Based on the bank 's XX/XX/XXXX response ( copy attached ), the " We need to verify a few pieces of information before we can give you a credit decision '' statement included in same entailed the need to have my XXXX Credit Report Freeze lifted. 

Upon receiving notice that the XXXX Credit Freeze had been lifted, the bank initiated review of my credit card application and allegedly rejected it based on the following : Serious delinquency Too few accounts currently paid as agreed Proportion of balances to credit limits on revolving accounts too high Non recent non-mortgage balance information Since I have ready access to my XXXX Credit file, I took the liberty of revisiting it in response to the reasons listed above for non-approval of my credit card application. And while this laundry list may have served as a legitimate basis for rejecting prior credit card applications, based on review of my [ squeaky clean ] XX/XX/XXXX XXXX Credit Report ( summary copy attached ), it fails at doing so this time. 

Since Wells Fargo is well aware of my XXXX Dispute settlement [ which served as the primary basis for rejection in the past ], I asked the bank to advise detailed explanations w/ specific credit report examples of the infractions alleged in the list above. Although the bank has acknowledged my request, the promised response has remained outstanding for more than 30 days. As such, this complaint filing is the first of three ( 3 ) advised in my XX/XX/XXXX Wells Fargo Credit Card Application Letter ( copy attached ).

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 2016-11-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Please correct date of birth and remove any items that were listed prior to my XXXX birthday

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 2023-01-05
Company: EQUIFAX, 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, my rights have been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CRA Collections, Inc
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I woke up to check my credit I was extremely upset to see XXXX collection items reporting that did n't belong to me. I seeked advice from a professional and read some articles online how to handle it. I then sent the collection agency revenue collect a debt validation letter that requires them to not collect on the debt for the next 30 days. I also sent a letter to XXXX XXXX and XXXX disputing this debt. On XXXX XXXX I have n't heard anything back from the collection agency but I noticed that both collection items were deleted from XXXX and XXXX but not from XXXX. XXXX deleted the debt for {$90.00} but not the the one in the amount of {$1900.00}. I called XXXX and ask what type of invesgation did they perform they informed me that they did n't have to investigate that the collection agency responded to them that the debt of {$1900.00} would remain on my credit report. I do n't understand how that is so when Revenue collect never responded to me at all. Now I know just from reading they violated the FDCPA specifically section 15 USC 1692G. As a consumer they vilaoted my rights as well. I am extremely XXXX. This accounts need to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have a right to privacy and i never have XXXX XXXX permission to furnish a report on me.

15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.

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 2022-08-28
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

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