BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2016-01-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XX/XX/XXXX one of my sons asked me to pay his XXXX cellphone bill for him. I did this with him by using the XXXX online bill pay on his account. I paid the bill by giving XXXX a bank sort code and bank account number for one of my bank accounts, and authorizing them to make a single deduction to pay a single bill. The transaction was successful and this should have been the end of the story. However.. 
I made the mistake of using a bank account which I do n't track closely. Then XX/XX/XXXX I noticed an unusual debit on that account. Upon investigation I discovered that XXXX had used the bank information which I provided in order to make an additional XXXX unauthorized debits over the 6 month period between XX/XX/XXXX and XX/XX/XXXX. I immediately notified my bank and disputed the transactions. They were only obligated to refund fraudulent transactions up to 60 days prior to the transaction and they have now refunded XXXX of the XXXX transactions and put a permanent stop on future debits from XXXX. 

I have of course tried to fix this with XXXX. My son canceled service with XXXX XX/XX/XXXX, and XX/XX/XXXX I have spent hours on the phone with XXXX customer service agents who claim that they are not even able to find my son 's telephone number in their system, and in any event they would not talk to me about it because it is not my account. Yet they have my money. 
On XX/XX/XXXX I sent a very detailed letter to the office of the President of XXXX. They responded to say they have received the letter but have not resolved the issue, nor have they responded to repeated telephone calls to follow up. 
XXXX have, either fraudulently or mistakenly, debited my bank account 4 times and seem totally incapable of resolving this. I do n't where else I can go to resolve this and am hoping that CFPB can assist.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2016-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have my mother 's financial power of attorney. I 'm also an authorized signatory on her accounts at Bank of America. I handle the payment of all of my mother 's bills. 

Using BofA online, I requested a transfer from my mother 's BofA checking account to her XXXX XXXX XXXX XXXX account so I could make a payment on her HELOC. Unbeknownst to me, instead of doing an electronic transfer, BofA deducted the funds from my mother 's account, then physically wrote and mailed a check to XXXX XXXX. When XXXX XXXX tried to collect on the check, BofA refused to pay it. XXXX XXXX charged my mother {$26.00} for bouncing a check. 

BofA claims it was a misunderstanding, that when I complained about them writing a check instead of doing the electronic transfer, they assumed I wanted the check stopped. Even though I specifically told them I needed the account details written on the check so I could contact XXXX to ensure the check was deposited in the correct account ( at XXXX XXXX, my mother has the HELOC and a savings account ). 

I received a call today from BofA 's " Enterprise Customer Care Resolution Department '' f/k/a " Office of the President and CEO. '' ( At least, that 's the information that was left on my voice mail. ) Clearly, BofA broke the law, otherwise this would not have escalated so quickly. I need to know what my mother 's legal rights and remedies are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: SC
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 sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

1. ) XXXX  Account DEPT OF ED / XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # 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 According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
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: Their investigation did not fix an error on your report

Complaint:
TransUnion transferred me five times two five different foreign Representatives that was unable to read unable to help me and continuously one by one they said the same exact line to me and forward me to the next person that said the same line over and over no one was able to help me I have for hard inquiries that I need 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report shows a non existing pending balance with XXXX XXXX XXXX with Diversified Consultants acting as a debt collector. There has never been a pending balance between myself and the original creditor. I 've sent various emails ( including evidence from XXXX showing a balance of XXXX dollars ) and make several phone calls with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax failed to report correctly and after multiple disputes and investigations, they have always come back to the same conclusion without investigating and are slow to even help me with my issue over the phone/writing and now this complaint. My last complaint i made to them, I 've told my side of the story, it came back twice that debt was mine from Equifax and they also sent me a free credit report but was still reporting. Finally the Original Creditor took it off my report because it was FALSE, but as an example, Equifax was no help prior to that. 

My issue this time is the same. They are reporting that i have an Open account with XXXX. I DO NOT, and this has been dragging my credit scores down for over 5 years now. They need to take me seriously and take this off of my report. I have personally found every piece of evidence that i do not have a loan open with santander. 


I have reported my issue with XXXX ( XXXX ), i have written a letter to contact my XXXX representative and Senator, and I 'm now writing to CFPB for more help. Both XXXX and XXXX have helped me very quickly because it 's obvious. Equifax will need to fix my issue immediately. I have finally found every piece of evidence to prove to CFPB and if i get denied again, ill will take further action. 

I have attached my equifax report on XXXX. It shows its an open loan and is still paying. This is account is PAID AND CLOSED. this account was joint and i was not even sent bills nor paperwork. I have never lived at the las vegas address that is listed from XXXX. I did not sign anything for XXXX. Name says " PRIMARY = XXXX ''. Equifax have also failed to change my info. My middle name is spelled wrong. This goes to show, XXXX and Equifax did not make a good enough job when i was added as a co applicant or going through paper works. 

i have attached a bill that says last payment which is XXXX balance on the loan in 2012 but how is Equifax reporting that its open and still being paid? Equifax has been ruining my life and credit score over this and it needs to be fixed. Many Fair Trade Acts are being broken here and i time in the next couple of months to go as far as i need with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a credit card with Capital one that I closed earlier this year. Part of the balance had a 0 % interest rate until XX/XX/17.  Earlier this month I made a {$500.00} payment to pay off the 0 % balance prior to the promotional period expiring. After a few days of making the payment I contacted Capital One to ensure the payment had been applied to the correct balance as I did not want to pay a year worth of interest once the promotional period expired. Long story short, when I called Capital One I was informed that the lump sum payment I made was applied to my other balance and only {$55.00} was applied to the promotional balance. I asked the rep to pay off the promotional balance, but she said she could n't as their policy does not allow them to do that. I asked to speak to a Supervisor. I spoke to two supervisors who told me the same thing. I argued that it was not fair for them to refuse to allocate my payment to my promotional balance in order for them to charge me a years worth of interest come XX/XX/XXXX, but they refused to oblige to my request/demand. In XX/XX/XXXX I enrolled in a Debt Management Plan, and they refused to enroll this card to the program stating the reason being part of the balance had promotional interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express unfairly targeting small business customer. We pay {$690.00} a year for platinum business credit card and yet they put a very strict credit limit on my credit card. I have 4 business credit cards with American Express and have been paying on time and they never increased my credit limit and instead they decreased my limit. I think they're intentionally targeting me even though I've been using the credit cards responsibly. I strictly use these cards for business purpose. Current credit limits is too low to continue using these cards as rewards rate is too low and annual fee is way too high compared to other business credit cards that I have. All they do is declining my transactions whenever I spend something for my business. It is very frustrating and annoying. None of my other business credit cards do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was forced into forbearance after graduating because my job at the time did not pay enough for me to support myself and also pay back my student loans- as a result, I have a huge amount of interest built up from the forbearance. In addition, after both my parents died last year ( who were co-signers ), no loans under their names were forgiven- they were put onto me which I am still currently paying back, along with the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
i leased a car a year and a half ago as i heard they have amazing cars, someone ran a stop sign and hit my car declaring it a total loss- all the money i got from that accident went straight to toyota to pay off my lease - when i went in to get a new car i was denied because of how low my credit was .... i was surprised i always checked on my credit regularly and last time i checked i had a score of over XXXX which is considered fair, i have NEVER PAYED ANYTHING LATE. I ask why my credit was that low and they tell me its because toyota put on my credit report that i made XXXX late payments -- - i was aware of this mistake in their system but i spoke with XXXX, XXXX and XXXX and i was told the problem was fixed and wouldnt cause any issues. Two days ago I go into toyota explaining the issue and telling them that i need a car and due to a mistake their system made i am unable to get one anywhere else so although i am disgusted with their company i am back for another car, they did not care. I was told i would need XXXX XXXX dollars down When i tried to further contact toyota we were hung up on multiple times resulting in a four hour phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have asked Equifax to remove and block, as XXXX and XXXX have done several fraudulent accounts that the creditors themselves have asked removed. This includes, XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX, and I also asked to be removed as an authorized user from any and all accounts, I am not responsible for any such amounts owed or for the status. I also have nearly XXXX inquiries. Equifax responded to my VALID Police Report, with an attached WARRANT FOR ARREST of the individual who did this, along with the FTC ID Theft complaint and the Privacy Clearinghouse report. I also contacted the XXXX Oklahoma who said I have a right to file state action against Equifax. I followed all proper procedure regarding the Blocking of fraud under sworn penalty of perjury to officer XXXX XXXX of XXXX XXXX XXXX office who signed and verified each account. I have given them more then enough and what really irks me is that XXXX, XXXX XXXX, XXXX and XXXX all requested that the accounts be removed. This is why XXXX and XXXX removed said accounts. I have supplied Equifax on XXXX XXXX the same information and police reports along with other relevant facts and statements from the creditors. They responded with " We will not block any of the information '' without explaining the reasoning for this? How can XXXX reporting agencies do the obvious and Equifax feel it is exempt from such requirement. Additionally as the XXXX OK explained Equifax has refused to place a security freeze on my account for free as required when the individual states ID Theft and has supplied the police report and FTC form. Both which i HAVE DONE 4 times. As requested prior on regards to the FOIA request caught on Equifax not complying with the Fair and Accurate Credit Transaction Act blocking procedure, I will be forced as will an attorney from XXXX to get such FOIA documents. I believe Equifax has caused harm against a class of individuals such as myself. I am in the process of retaining a lawyer if this is not dealt with. The antithetical part is that it arbitrarily decided to initiate a dispute against all my positive accounts i never disputed and are legitimately mine. Not the Fraudulent ones, this makes absolutely no logical sense. This seems almost retaliatory and capricious in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX 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

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 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just XXXX ). 

Negative reporting of not paying a debt which I paid to the wrong XXXX XXXX XXXX account on their XXXX XXXX XXXX XXXX ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as Amex Standard formerly XXXX XXXX XXXX. The consumer should have been informed it did n't belong in the paid up account known as the XXXX XXXX XXXX XXXX, former grantor XXXX XXXX XXXX, and sent back to her timely. Instead it was wrongly transferred to Amex Standard after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.

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