BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
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 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 2023-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Do too covid a new payment agreement was made do too do everything closing down. A lump some of money was paid over XXXX dollars is what they ask for too make the agreement of paying XXXX dollars a month. The company verbal agreed too this dollar amount and I ask for this Agreement too also be sent by mail. They did not do so the payments has been paid on time every month and there still reporting all payments late. From XXXX until now of XXXX I have requested over and over for them too change they refused too and said the payment is still late! If there is agreement of change of payment I asked how are the payments late you are getting paid every month on time and the payments are on automatic withdrawal how can it be late the whole world was shut down and the payments was still being paid do too hard ship not working they agreed upon XXXX dollars a month and no payments have been missed According too code 1666b and code s1006,18 is a violation I have reported this info too credit agencies about this and I was told the information was correct well I have information that shows different not only that they reported the information late every month they also tack on late fees as wellso not only they reported the payments late every month they also add on extra fees for late payments I have called the company about this more than once and they refuse too report the correct information this has effect my way of living as well reporting false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Checked my credit report saw I was past due on a kohl account. Which I never opened. Called kohl customer service asked for what was due, past purchase, when the card was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-06-03
Company: Block, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Square deactivated my account and refuses to issue a refund back to my customer, even though they took my customer 's money. This happened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Truist Bank is attempting to collect bank maintenance fees owed on a personal savings account that was closed with SunTrust Bank 3+ years prior to its rebranding. To my knowledge, this account was opened with Truist without my permission and began to accrue maintenance fees until its overdraft. I am now being threatened with collections if these charges are not remitted.

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 2023-09-03
Company: TRUIST FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX around XXXX, I went to car wash to vacuum inside of my car. I swiped my card and it didnt work, I tried my other card it didnt work. I tried again and it went through I did not think nothing of it, no obvious signs of tampering. I vacuum my car for about 5 minutes and leave, I get home and I get a notification XXXX $ declined XXXX  XXXX XXXX, then another one XXXX $ transaction XXXX  XXXX XXXX. I immediately open my app and see XXXX $ was stolen from my account. I filed a dispute immediately, I checked my XXXX  card I had also swiped and 2 transactions were also tried on that card. I contacted Branch twice before I got my response on my dispute. I get a email your dispute has been denied because it looks like I was involved, unique identifiers were used and its just bogus and outrageous. There has been multiple fraud attempts. This bank that I trusted with my school funds that get deposited for my career and future, declines my dispute of fraud. XXXX $ is not a small amount and this needs to be resolved.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
onXXXX i sent letters to XXXX, transunion and XXXX disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX, transunion and XXXX post on a credit report. Otherwise anyone paying for XXXX, transunion and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, transunion and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, transunion and XXXX to report these account listed below on my consumer report. 
XXXX, transunion and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX, transunion and XXXX  must delete The following accounts and incorrect billing errors on my reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/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 2022-09-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I keep getting the run around about the reason a mobile check deposit wasnt cleared in my chase account. On XX/XX/XXXX I deposited the check from XXXX XXXX. On XX/XX/XXXX I was informed that the check is being placed on a 7 day hold because Ive never cashed a check with them. With in this time I called to keeps tabs on what was going on. I spoke to 10 fraud team members within this time. I was told one day the reason the check is on hold is because XXXX XXXX deemed it fraudulent.So then Chase ( my bank ) restricted my account. They told me to call the issuer. I did they said their wasnt an issue on their end. Then I was told wait till the XXXX the hold should be lifted & now its the XXXX. Im being told the company that wrote my checks has a history of bad checks. They never told me this. This doesnt line up to anything theyve been saying. One fraud specialist even told me the name of the payee was spelled incorrectly. 
Which is not true. Its spelled exactly right. I have gotten a different answer from about 10 people. Even today they still said they havent completely finish verifying the check and its literally day 7. Of it being on hold. So theres still a possibility. This is extremely confusing. I should not be punished for this. I was told the funds and account have been verified. This team is all over the place and Im very disappointed. No one is in agreeable. Its affecting me extremely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: GA
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXXXXXX 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 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 2022-03-29
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: NJ
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:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I moved to the XXXX  from XXXX, so I was required to register my car as a new resident. I went to the Florida DMVXXXX XXXX Tax Collector XXXX XX/XX/2023 to start the registration. Over the next 2 months, the Tax Collector tried on numerous occasions to request the title from Audi Financial/VW Credit in order to complete the registration but received no response. I contacted the Texas Department of Motor Vehicles and they confirmed that a copy of the title was sent to Audi on XX/XX/2023. However, Audi claims that they can not locate it. I have called Audi multiple times to have them request the title again. None of their representatives seem to know why its taking so long to process the request. The current registration for my vehicle has expired and I can not renew it because I no longer live in XXXX. How do I get this resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
on XX/XX/XXXX i received a call from a credit collector stating that i owed XXXX dollars into a close account to make a payment. i thought this was someone trying to scam me until i proceeded to the bank in which the credit was opened they confirmed to me that an account was opened XX/XX/XXXX under my name and that account was charged off and sent to collections. 

I have tried to dispute this twice with no luck The account has an address that i have never lived on Also the card that was opened under my name has one last name and i have two last names Which i have in all my personal documents including debit cards and government ids.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I started with a covid loan deferment in XXXX to Specialized Loan Servicing and then it was switched to covid hardship forbearance that ended in XX/XX/XXXX leaving a debt of {$42000.00} that the mortgage company is demanding as a lump sum due immediately or house will foreclose. They are insisting that our only option is deed in lieu or short sale. We have applied for a 2nd independent review for a loan modification, or any other way to resume our payments immediately and have the debt deferred to the end of the loan etc. but they are uncooperative and continue to threaten foreclosure. Any assistance to resolve this matter is greatly appreciated.

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 2023-09-05
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A merchant is using my credit card doing unauthorized auto payments or buying things from the Net Spend accounts. XXXX 1,2023 and XXXX XXXX2023. in dispute. The social security office Located on XXXX XXXX XXXX has sent my XXXX check to them and would not report it as lost or stolen, my option of choice. The social security office and Net Spend is playing some game with that check I do not want back even if they return it. I ask place it as lost or stolen and reissue me a new check.

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 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery has called two to three times a week attempting to collect a credit card debt from 2016 that is past the statue of limitations in Maine. They keep harassing me over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding loan XXXX -May XXXX XXXX, I was told to give a LOE about a " late payment within XXXX XXXX '' shown on my credit report I responded saying I did not see such thing on all XXXX of my credit reports. I also sent the signed docs stating so as requested from my loan officers. 

-XXXX XXXX  I called BOA 's home loan servicing asking if a late payment was reported anywhere. The rep looked at my loan history, and confirmed none was found. 
XXXX XXXXXXXX, I received the loan history from BOA which I forwarded to my loan officers. 

-Still no update as to when my late payment was. XX/XX/XXXX, I spoke to XXXX from home loan servicing, and she said she can not put in a formal dispute without knowing a date. I alread kept asking repeatedly when was the late payment so I can relay the message to home loan servicing so they can investigate. 
I looked at my XXXX credit report, and found out that, in XX/XX/XXXX, the payment showed as " NA- not applicable payment history '', which was different that the other items. Therefore, I asked the rep to open a case for XX/XX/XXXX. The case number is XXXX -Still no update as to when my late payment was. On XX/XX/XXXX, I called home loan servicing and talked to XXXX XXXX who said BOA 's loan officers can contact them directly asking for more details. 
-Missed a call from XXXX XXXX XX/XX/XXXX. Received the letter from BOA about the XXXX - XX/XX/XXXX, my loan officer called saying my application got declined, stating that last Thursday XXXX she was told of when my late charge was. The entry was back in XX/XX/XXXX, where it showed " bad check reversal ''. This information is from the loan history that I received from BOA 's home loan servicing on XX/XX/XXXX. 
And this is the reason why the under writer declined my application. 

I called home loan servicing XXXX XXXX, XXXX, requesting more details on the date XX/XX/XXXX. 

On XXXX called XXXX, and left 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