BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
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: Information belongs to someone else

Complaint:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2023-08-28
Company: Experian Information Solutions 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. 

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 other adverse item 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 explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: IL
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:
Hello my name is XXXX XXXX XXXX a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station XXXX ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me XXXX ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX BANK XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern I sent a dispute letter to XXXX on XX/XX/XXXX via certified mail with a return receipt. Informing them about a XXXX XXXX account reporting inaccurate information on my credit report. XXXX XXXX was reporting a / XXXX account on my credit report that they sold to portfolio recovery associates LLC back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from portfolio recovery associates LLC stating that this account should have been deleted. XXXX refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave XXXX written consent or permissible purposes to report any account on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I had a mortgage with Truist Bank. They would not accept the final payoff payment at their physical bank locations. We had to wire the funds which cost us an additional {$30.00}. In order to be sure that we could send the wire in time, we asked for a payoff date of XX/XX/XXXX. We sent the wire on XX/XX/XXXX. They acknowledged receipt as of XX/XX/XXXX. However they charged interest till XX/XX/XXXX. Also, to date we have not received the refund of the escrow funds. When we asked the customer service representative, they said that the check was mailed on XXXX. Since then we have received two other documents from them but no check. They say that they will only send a replacement check after XXXX. They will not send a replacement till 30 days have passed. I suspect that they are doing this just to delay refunds.

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 2023-10-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXX XXXX Credit Card. I was advised timely that the card will no longer be active due to the bank no longer supporting the credit card. On XX/XX/23, I paid my card balance of {$2200.00}. At that time, I was notified that my card was closed ( however, I was advised it was closed in XXXX ). I shredded my card and cancelled the ebill ( I received billing statements online through my bank ). 

I received an email on XX/XX/23 advising me that I had a past due balance, however, I did not receive a bill or any type of notification prior to that date so I couldn't have known there was still a balance ( at that time it was around {$11.00} ). The bill was for {$24.00}. However, I was advised that my balance to pay the card in full was now {$26.00}. So I was charged {$13.00} for finance charges as well as a late fee. After speaking with a Supervisor at XXXX, I was advised that she couldn't waive anything since the card had been closed stating she could not override the system. Funny, the " system '' was still able to charge me a finance fee and late charge. 

I always paid my bill on time and paid the entire balance off with no mention that there could still be finance charges. I have paid the balance of {$26.00} so my credit will not be affected. 

I know {$26.00} is not a lot but it is the principal of the matter. How can you charge a finance fee on a zero balance and not send a billing notice until it's showing as past due, and then charge a late fee on top of that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had {$2000.00} removed from my bank account. I called Wells Fargo when I noticed and they told me the transactions never went through and that it was pending but it would be back in my account. They filed a claim for me and said I would be called back but they never called me. They closed my account and opened up a new account for me but never sent me my new debit card. I called them again 3 more times and they said they closed my claim for reasons Im unaware of. I wasnt even aware they closed my claim because they emailed me XX/XX/2023 telling me they were still processing the claim, but when I called they said they closed it on XX/XX/2023. They said they sent me a letter but never did, I requested documentation and still havent received it. Im a college student with credit card payments to pay as well as rent. I would never authorize {$2000.00} being pulled out of my account. You could clearly tell on my statement that the charges werent from me and the workers noticed that as well. I wasnt even aware that much money could be pulled out of my account in one day because I had alerts on my account that would notify me if {$500.00} was even pulled. Never once did I receive an alert and I was told that theyd be able to issue me a credit for the money that was pulled but I never received one. I would like my {$2000.00} back and I would like to switch over to another bank.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: TX
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:
There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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:
Starting on XX/XX/XXXX of this year I began communicating with someone that I thought I knew and trust. He told me about an investment, that was only going to require {$800.00}. so I went along with it. Then " fees '' started to add up to close to {$1400.00}, which totals about {$2200.00} to start. Then I realized he was fishing for information, and he was successful. He got into my bank account and starting depositing checks and instructing where to move it to. Then my bank flagged the account and froze it because they tried to deposit a {$16000.00} check. Then he disappeared and the checks ended up being bad and were sent back, leaving a XXXX in my account. So now we come to a total close to {$5000.00}, and I tried to see if my bank could help me. I've been banking with the same bank ( USAA ) for the last 14 years, with no type of situation like this before, but they are refusing to help me. They said they cover fraud but because I moved around the money, under false pretenses, so they don't consider it fraud. I know it's not fraud technically, but I was scammed! I am the victim!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Indie Technology DBA Found
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my card information. I transfered money to XXXX XXXX. I then transfered XXXX back to the bank. Within minutes I got notifications that all my money was again transferred to XXXX XXXX. I contacted the bank ( found ) they said to contact XXXX XXXX and they would contact me to file dispute. They did nothing to help. I contacted XXXX XXXX same result. Told to contact bank. I filed the dispute form and after the period expired to get the money back temporarily had passed I asked about it. They said no unauthorized transaction occurred. And nothing I could do. The thief created a XXXX XXXX with My name on it. Which XXXX XXXX doesn't verify you unless you request their debit card. It wasn't an account ID ever used to transfer or send money too. I begged them to reverse the transaction since it was within seconds and they wouldn't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: Information belongs to someone else

Complaint:
You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
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 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-13
Company: EQUIFAX, INC.
State: TX
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 don't have any idea about these accounts. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent XXXX dispute letters to the creditor : LVNV Funding/Resurgent Capital, requesting ALL requested information to fully validate this alleged debt and they have refused to send the requested information. In lieu of the requested information, I have received a BILLING summary, which is NOT proof of ownership and the right to collect on the debt and copies of the alleged monthly billing cycles. I have NOT received the FULL original account number of the alleged debt, or my written signature for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Reporting company used your report improperly

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 All 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 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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a Chase Reserve credit card with {$620.00} annual fees ( It is now downgraded to Chase freedom - no annual fee credit card due to how badly their customer service handled my request for info on why so much interest charged for a small underpayment ) and recently faced two problems.

1. I had the above card for several years and never missed a payment, always paid in full. In XXXX 2023, I was traveling and setup an estimated payment of {$3500.00} a week before due date and didn't notice some tail end charges that added up to {$3700.00}, so it was {$260.00} shy. For this miss, Chase charged an interest of {$56.00} within 2 months ( i.e {$330.00} per year ). This seems like predatory, loan shark kind of behavior. 

2. On their website, they boldly advertise " Complimentary Airport Lounge Access '' ( please see : XX/XX/XXXXXXXX ) and we paid the fees for that advertised benefit. On XX/XX/XXXX, when I tried to use this benefit, I was denied access to the empty lounge - they stated " it was reserved for VIP passengers ''. I asked Chase to compensate me for this experience ( expecting maybe a {$50.00} credit - typical lounge paid access cost ) but instead their customer service chose to point me to the fine print which I am sure is buried in there somewhere. So at this point, I am requesting a refund of the full {$620.00} paid in annual fees for this card for the last year - I was advertised a benefit that they were unable to provide when it mattered- and that is false advertising imho.

Company response to consumer: Closed with monetary relief