BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX XXXX, and 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 these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts 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 2020-06-01
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX my brothers unemployment direct deposit was received on my CashApp as he intended. On XX/XX/XXXX my direct deposit had finally come through. Then on XX/XX/XXXX a few of my transactions were cancelled for my protection, and on XX/XX/XXXX my account was suddenly frozen. I have yet to receive an email stating the reason my account is frozen. The only form of customer service Ive gotten so far is an automated message from them on XXXX saying they would get back with me in 24-48 hrs. That was on the XXXX. I complained with the CFPB before, but whoever replied on behalf of CashApp assumed I had received an email already from them. The email should contain instructions on what information CashApp needs from me to unlock my account. Just please help me access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The bureaus are keeping the wrong personal info on y 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Comenity Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that 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 consent or 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 and purpose. 

With that being said, I've reached out to comenity to ask for the removal of this late remark that occured in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: SECURITY FINANCE CORP
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Security finance is showing two missed payments on my XXXX credit report. I never made a missed payment. I went directly to security finance and they say they are not reporting the missed payments and they would contact XXXX and let them know its an error. I didputed the error and XXXX said it was verified as accurate. A simple phone call to security finance would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.

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 2022-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made two payments totaling XXXX for my bank America credit card. However I got a bill to make a XXXX payment before the XXXX of XXXX. I call customer service on XX/XX/XXXX about this charge he told me those payments of XXXX before the billing cycle started for XXXX. So I made another payment on XX/XX/XXXX with bank America bill pay. Now it is XX/XX/XXXX and I was charge a late of XXXX dollars. I call the customer services and they told me they never receive my payment of XXXX and they cant remove my late fee. The one thing I dont understand a total of XXXX came out of the same bank as the credit card before the due date but you are still charging a late. fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NY
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:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have negative inquiries on my credit. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: TX
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 is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

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 2021-11-19
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
Wrong credit score by hundreds of points Im getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine Im not getting any positive reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: CITIBANK, N.A.
State: KY
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:
Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ]. 

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date. 

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - 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 2021-11-19
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Wrong XXXX XXXX by hundreds of points XXXX getting letters denying me of things I didnt apply for this is coming from consumer reporting agency & imfis incorrect I havent been late on any of my accounts & some accounts are popping up that are not mine XXXX not getting any positive reports

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 2022-05-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At XXXXXXXX XXXX on Saturday, XX/XX/22, someone hacked into an app on my phone for XXXX XXXX XXXX restaurant. They were able to make a purchase for {$96.00}. While two other cards were saved in my account and those institutions declined the transaction because it was for a location hundreds of miles away and delivered to a shopping center, Ally let the charge go through despite their being insufficient funds for the transaction. I immediately changed my password and called Ally. I was on hold for over an hour before being disconnected. I called back and sat on hold for extended periods of time, even at XXXX XXXX. I also attempted to chat with them, emailed, and contacted them on XXXX, XXXX, and XXXX. Its now XXXX XXXX. I received responses from them on XXXX and XXXX saying hold times were longer than normal. No resolution or care for obvious fraud. Im also now not able to even access my online account because the account has been locked by them with the only option to call. I tried doing that and sat on hold again. This appears to be a widespread issue as there are many complaints on XXXX. Its completely insane that I cant report fraud and secure my account or get any meaningful response from them.

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 2019-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX, XXXX, Equifax and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX both have me as having a home loan taken out in XXXX 2015 and i do not have a home loan. I am unable to get my credit reports or scores. It shows i have a student loan and auto loan and credit cards that i did not open. I want. Any and all forms and steps i need to take mailed to me. I want all three credit agencys to mail me my credit reports as well. I want my credit report to reflect i am a victim of identity theft

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 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America was XXXX position mortgage on my home and failed to perform a title search and subordination agreement with XXXX lien holder XXXX XXXX XXXX XXXX. When I went to sell the home the XXXX lien holder told me they were in XXXX position as Bank of America failed to perform the appropriate title search. Contacted BOA and asked for them to process a title search and subordination agreement with XXXX. I was told to send a fax to the subordination department, which I did on XXXX XXXX, 2015. Called to follow up. Transferred four times. Disconnected from the line. Called again. Transferred three time. The final agent told me he could n't help me and did n't know where I needed to go. He asked me to start with a loan officer. One hour on hold and the bank does n't know how to file the appropriate subordination agreement and title search? This process has been ongoing for over two years in trying to get the house sold while avoiding foreclosure with Bank of America now failing to perform a title search and subordination agreement with the second bank now telling me to work with the first bank ( BOA ) and them not knowing what to do to fix the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone provably a family member had access to my personal information and someone open a cellphone acct under my name and even forced my signature. i requested validation and i notice the address use to acquire this acct was not mine. i requested deletion of this acct and the company insist the belong to me when is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened up an account at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I deposited over XXXX in the form of a check and they keep placing holds on the money over the standard period for no real reason. I came in to get XXXX and was denied 7 days after I deposited the money. I asked them to contact management and the women did not get anyone and made a fake phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: DriveTime
State: TN
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:
DRive time inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All on my credit I have never applied from these companies

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 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied to open a credit card with Bank of America to take advantage of a lower interest offer for a balance transfer. I wanted the transfer amount to cover the entire amount of another credit card ( XXXX ). After a couple weeks the company informed me that I only qualified for a portion of what I applied for ( XXXX ) so I contacted them by phone and told them that I was no longer interested and to stop the process. They agreed but about XXXX weeks later I learned that they opened the account and sent an arbitrary amount to my other credit card company. It took several months to get the initial money back to Bank XXXX but now there are transfer and late fees that I dont feell I should have to pay. I have been dealing with this since XXXX. I have talked to several people at Bank of America. Some sympathetic, some not but they really dont seem to want to help. Should I just pay the late fees and transfer fees and move on? Any thoughts would be helpfull. 
Thanks 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 2019-03-05
Company: BHFC Financial Services INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2019 I called BHFC Financial, the company financing my vehicle asking for my balance on my auto loan. After 15 months, the manager said {$11000.00} and some change. After knowing how much I purchased the vehicle for, {$13.00}, XXXX and my monthly payments being {$390.00}, I ask him to help me understand. He didn't want to, instead, he loud talked me, over talked me, avoided my questions and told me that if I didn't understand, I could call back and he'll explain it. He then hung up in my face. Something isn't sitting correctly with me and I am asking for help.

Company response to consumer: Closed with explanation