BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX/ XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

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 2015-11-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a credit card with Citi Bank on XXXX based on a application I received in the mail. I applied on line to see what credit limit and conditions I 'd get on the card. I was immeditly approved for the card and received an email from Citi Bank stating an account has been opened and card will be mailed. HOWEVER, I was not happy with the credit limit and the interest rate. I called Citi Bank immeditly to request the account opening process be halted and for Citi Bank to NOT open the account. I spent an hour on the phone with Citi Bank speaking to a number of individuals. All of whom stated " they could not stop the creation of the account '' and " that I can only cancel the card after its been issued and the credit card comes in the mail. However, I know this can damage my credit card, as the length of credit card account directly impact my credit score and it will lower my credit score. In addition it can delay getting a better card that I deem is right for my needs. I made several requests to Citi Card that they cancel and cease the opening of the account. However, they refused and stated " they simply can not ''. Even though I called them immeditly after the account was opened. The last XXXX digits of the card are XXXX of the Citi XXXX Card. 

I feel tricked by Citi Bank and feel as a consumer who was simply exploring what the cards credit limit would be I have been tricked into opening an account. I feel my rights as a consumer have been pliantly ignored and disrespected. I do NOT want this account. I do not want this card to lower my credit rating or score. I simply want this account creation to cease. Attached is the email I got from Citi Bank. Again, I spent an hour on the phone with Citi Bank requesting the account be closed BEFORE the card is issued. They said " they can not do this ''. I feel hijacked by Citi Bank and feel I had no rights in my own credit. Citi Card was very unhelpful in this matter in honoring my request in regards to my own credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I filled for unemployment for the very first time in my life in XXXX during the pandemic .I was receiving my benefits at first it was around {$8300.00} total I have my bank statements from Bank of America where it shows my ending balance. When it was time for me to do my taxes on XXXX i received my 1099G stating i had received {$16000.00} which i never saw in my Bank account i contacted XXXX and the verified that they indeed transferred all that money but The bank never applied it all to my account the same thing happened in XXXX when i received my 1099G it said i had gotten {$10.00}. bit i only received around {$4000.00} so i don't know what i should do.

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 2020-03-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with Experian and XXXX  credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. XXXX  and Experian dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies XXXX  and Experian had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation

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 2016-10-12
Company: Perfection Collection
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am writing because I have disputed a debt once I received a notice from PERFECTION COLLECTION LLC within 30 days of receiving the notice. They still placed a negative entry on my credit file. They stated that the account was opened in XXXX XXXX which is a lie. 

The company XXXX XXXX crammed the switching of my alarm service even after I had voided out the alarm service contract, did not pay off my previous service contract as agreed, which I had to pay. This account was also part of my bankruptcy filed in XXXX.

Company response to consumer: Closed
Consumer complaint received 2020-11-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I got quoted at 5 % interest by a representative at NFCU for my car loan for a new car. I stressed to them that Im new to this and have no idea how the process goes and asked that nothing will change over the course of me buying the car they reassured me. 

( I also work out the numbers in front of the rep for the payments and she sits there and doesnt tell me about how the interest is ROLLING interest. Had no idea what that was until after I called to complain about my insanely high interest rate. ) So I go and but the car, the dealership continued to finalize the deal with my bank ( Navy Federal Credit XXXX  ) and Im not sure if it was the dealership or NFCU, but someone withheld information. I get home with the car and about a week and a half later I see a notification in my bank app saying Im sitting on 12 % interest. 

I called and asked why they said the car isnt new Yet I wasnt told what qualifies a car as new, I ask to have the number brought down to a reasonable percentage and they decline. I tell them Im looking for a house and this is making it hard for me to even consider them for that loan then all of a sudden they can do something about the loan. Theyll give me a better rate. At that point I knew something was up. They were running my pockets to bring their company back on its feet after covid hit by giving me false hope. I confirmed it when I went and ran the loan calculator with my cars vin number on their website. It came up to 6 %. The car already started depreciating and I knew Ive already been down a couple thousands on top of closing fees and insurances i bought for the car. it would have been a huge waste of money if I just brought it back. I need help. Its just crazy how my credit score of XXXX points shy of XXXX landed me in a 12 % interest pool.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a letter from the company Radius Global Solutions, LLC, stating that I owe a debt in the amount of XXXX dollars from a company called XXXX XXXX. I filed a complaint with Radius Global Solutions in XX/XX/2022, stating to them that it is a fraud account and that I did not purchase anything nor applied for any credit and that someone applied for something in my name. I asked Radius Global Solutions to cease and desist all collection activities. I told Radius Global Solutions that the debt is not mines. Radius Global Solutions ignored my demands. I also asked Radius Global Solutions to have no contact with me and don't put the debt on my credit report. Radius Global Solutions sent me a letter on XX/XX/2022, I received a validation letter with just only a transaction history letter. So I decided to file a compliant.

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 2016-04-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
this company does not verified any dispute, they seem to generate a general letter wait 30 days and send out everything is good. the other agency validated the same account and the results was deleted i was not a member of XXXX until XX/XX/XXXX, but yet they have me owing them in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Shellpoint Mortgage Services in XXXX of 2020. As of XX/XX/2020 the loan was paid in full and all loan requirements were satisfied to release lien and title. In order to transfer the property to real property from a mobile home, DMV ( Department of Motor Vehicles ) requires the original title or original release of lien to be provided. After contacting Shellpoint Mortgage reoccuring weekly since XX/XX/2020 to provide ORIGINAL release of lien or title I have still not received. Shellpoint mortgage has since operated like a predatory lender and violates their policy to send original copies of requested documents within 90 days. 

My wife lost her job due to COVID and we have been trying to sell the property since XXXX for some financial relief and Shellpoint continues to delay this information and handles the situation very laxed with no regard for doing their part.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, XXXX XXXX XXXX XXXX did a hard inqury on my report. During that day, I was at the XXXX Dealership looking to purchase a new car, which never happened. The salesman provided me with two lenders they used ; however, XXXX XXXX was not on the form. 

They ran my credit and caused my score to decrease. I did not authorize them to run my credit as I already have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Collection Bureau of America Ltd.
State: FL
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:
COLLECTION BUREAU OF A Original creditor : XXXX XXXX XXXX XXXX XXXX - Balance updated XX/XX/2019 This Account was Apid in full, yet it still shows on my credit report as in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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:
I have continuously been disputing the way XXXX XXXX has been reporting this account to XXXX  and transunion the information has not been validated by credit reporting agency. I request that information be validated by the credit reporting act which is my right under section 609,611,623 at the moment we are under litigation with lender and no out come has been resolved. Amount due, ownership of debt, and verification of obligation has not been sent or validated. I have sent certifed letters requesting a proper investigation be completed and spoken to many people in XXXX  and transunion I formly requested how the investigation was done, who validated, and what proof was submitting. Which in all cases my concerns were ignored. I sent 2 certified letters in which my concerns where not addressed. The information posted Report NumberXXXX on XXXX. Resently I sent another certifed letter and no response has yet to be acknowledged.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX  I noticed that I had been getting a bill on my XXXX XXXX card from Transunion for 17 months with out my permission. I had not noticed it before because it was only for {$19.00} and I don't check small bills closely. I notified XXXX XXXX and they said they would investigate it. Over a period of five months they removed several of the charges and later they said they were going to refund all of the charges involved. This month I realized that in XXXX they had added all the charges back on. When I called XXXX XXXX XXXX seemed to be trying and was arranging a conference call with Transunion but she reported that while I was o hold for her she was on hold for Transunion. She gave me number to call for billing at Transunion and said she would call me back in five days to see the results. When I called the number she gave me I got a busy signal or a dead line. I decided you were my only alternative. The total bills were $ XXXX at XXXX XXXX says that Transunion has a request from me for this service. Because I have no need for credit I put a freeze on my account several months ago.

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 2017-01-10
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.

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 2016-01-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month XXXX, XXXX, XXXX, etc ... After all the penalties, interest, etc., I was told that my remaining balance was {$1900.00} ... The initial balance when opened was {$1600.00} and I had paid that all the way off minus {$100.00} ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( {$100.00} ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for {$1600.00}, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is {$2200.00} ... It does n't add up, to include they do n't have my original application/contract.

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 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Please ( REMOVE ) these Items below until investigation is done on all Hard Inquiries listed.

Pursuant to 18 USC 8,. These companies are violating my consumer rights to privacy pursuant to 1681b 2 these companies have NO permission to report ANYTHING using my info pursuant to 15 USC 1681 a4.

15 USC 6802 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 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 2017-08-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank placed my check deposit on hold for a week. I deposited a check on XX/XX/XXXX, but the bank would not make the funds available until XX/XX/XXXX.
I have contacted the bank multiple times to resolve the issue, to no avail.

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