BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I previously requested that the Credit Bureaus remove the disputed accounts that are reporting on my Credit File as soon as possible. Once again, I was a victim of identity theft and the Accounts I am disputing were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. Also, the Credit Bureaus have not yet sent me copies of documents I seek such as the Proof of verification or proof of ownership or any documents bearing my signature. If the Credit Bureaus are not able to remove the disputed accounts on my next Credit Report update without sending me copies of documents I seek, please understand I will initiate legal countermeasures. Once again, please remove the following accounts completely from my Credit File 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 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 2023-04-06
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. Experian is reporting inaccurate information on my credit profile.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX We are in receipt of your attached letter that was forwarded to us from Bank of America. The partnership with Bank of America was dissolved and XXXX was assigned your merchant processing account in XXXX. Bank of America would have communicated in the spring of XXXX the changes and reassignment of your account. Please contact Bank of America to request a copy of the letter. 
I have attached copies of your XXXX and XX/XX/XXXX merchant statements at which time you can see the transition took place as your monthly statements changed from Bank of America to XXXX. 

I can not address the bank policies regarding large debits however I can explain the debits we made to your account. Please review your XXXX and XX/XX/XXXX statements, also attached. 
In XX/XX/XXXX your account received a chargeback stating the transaction of {$10000.00} was fraud/unauthorized. Please see the chargeback documentation attached. Per your account set up, chargebacks are emailed. There is no recourse through the card brands. If you believe this is a valid charge you would need to contact your customer/cardholder to resolve. I see no further chargebacks during this time frame. If you received additional chargebacks, please specify date, amount, and chargeback number if available.

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 2023-04-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act " XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On multiple instances i requested that XXXX XXXX, XXXX and bank of america provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.

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 2023-11-30
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Had this car for 2 months, and tried to return it. The salesman would not budge. He knew they were charging way over what the car was worth. We would surrender the car, but we need to have something for work. The car is not safe, I've had 2 spin outs, and there is no FWD. Gm Financial will not help with lowering the payments. I talk to them regarding the payment plan, and they still call me 3 days later. I even had a guy hang up on me, because he wanted to flap his mouth the whole time. They also play good guy, bad guy. The person you talk to just says, we will note the account of your payment arrangement, then someone calls you, to tell you what you already talked about 2 days ago. So stupid!! I lost my job 4 months ago, due to a shut down, and can't make all the payment. I am XXXX, and on unemployment. GM does not care. I feel like filing bankruptcy, but don't want to. I wish I never heard of the dealer in XXXX, and GM Financial!! They have enough money, so why can't they give people a break? All these big dealerships, need to be taught a lesson. Lets boycott the big names, and buy used. I bet they would stop these practices. I know there are a lot of inventory unused, but people are so money greedy, they don't want to get to people, and families that are barely making a living!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
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:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX {$200.00} dont have no knowledge of these incorrect chargers thats reporting to my credit report I dont own this company anything..

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 2023-11-30
Company: WELLS FARGO & COMPANY
State: CA
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
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  I don't want this on my report, these are negative accounts reported under my name.

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 2023-05-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23, I noticed an unauthorized charge on my checking account for {$210.00}. I reported it in person to Citibank & my debit card was replaced & password changed. A fraud investigation was opened & the amount was returned to me during such. As per usual protocol when an investigation is opened, I received a " followup '' call on XX/XX/23. I was informed that there were other unauthorized transactions being attempted in other states. After answering the " followup '' questions, I attempted to use my debit card & the payment was declined. I was unable to use my online banking app. so I returned to Citibank to find out why. I was told by the banker that unfortunately, the person on the followup '' call was not from Citibank & that my total checking account ( {$1900.00} ) was XXXX  to XXXX XXXX ( someone I do not know ) and I was informed that I had apparently authorized a " person to person '' transaction over the phone. Citibank stated that since I gave information over the phone, they were not responsible for my loss! I have been a customer of Citibank for over 35 years and the protocol of the followup call is always normal to expedite an investigation. How would someone even know that I had filed a fraud investigation with Citibank without a breach in their security network? Please help

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 2023-10-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX are attempting to collect debt and are illegally conducting business in the state of new york since they arent licensed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Caliber Home Loans, Inc.
State: NJ
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CALIBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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 had an outstanding debt with USAA savings bank. I contacted them on XX/XX/XXXX of this year to make a settlement offer. USAA agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to USAA in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted XXXX and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the XXXX portal and confirmed receipt by phone. 

XXXX explained that any documentation would be considered fraudulent and false unless confirmed by USAA. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When XXXX contacted USAA they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted USAA and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit 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:
This complaint is with American Express. Consumer says that someone sold his phone and made some fraudulent charges on his account. Consumer states that this person made 2 payments on his account. Consumer can only see payments it doesn't give much information. Consumers account was canceled due to these fraudulent charges Consumer has no knowledge of these charges and has not given permission to anyone to make payments or to charge his account. Consumer wants to know why was this many payments charged to his account without being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion, XXXX, and XXXX continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX Valemist Ct XXXX, TX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 XXXX XXXX XXXX XXXX {$5400.00} I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase company says I have no money in my account I had XXXX in the account plus other accounts to so XXXX total. I want it back into all of my accounts. I know they are closing accounts, I don't want them taking my money at all with out my permission. I am upset angry please tell them to put it back into my account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX IS VIOLATING THE LAW AND MY RIGHTS AS A CONSUMER. THEY ARE REPORTING INFORMATION THAT VIOLATES 15 USC 1681a 2 ( A ) ( i ) - THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE- ANY REPORTING CONTAINING INFORMATION SOLELY AS TO " TRANSACTIONS OR EXPERIENCES '' BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. THEY REFUSE TO UPDATE THIS INFORMATION OR DELETE IT. 
ALSO, THEY HAVE UNAUTHORIZED INQUIRIES ON MY REPORT ASWELL AND THEY TO NEED TO BE REMOVED.

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 2023-02-24
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation