BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On Tuesday XX/XX/2022 I was alerted that my debit card was compromised. There were transactions totaling nearly {$1300.00}. The funds were not credited back to my account even though I told the bank the transactions were not mine. The bank is refusing to credit me back the funds and my account is now overdrawn. I can not buy food or pay my bills. I need my money back.

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 2022-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
An automatic payment was initiated on my Chase Freedom Card when there were insufficient funds in the account debited. As such, the payment was denied and I then changed my autopay settings to avoid this issue in the future. 2 days later Chase attempted to make this payment again, despite me specifically opting out of full balance autopay. The second attempt was processed and put my checking account into overdraft. After spending hours on the phone with customer service, they have told me that they are unable to reverse the payment and I now have {$5.00} thousand dollars less in my bank account than before. They illegally took money from my savings to pay their card after I had explicitly opted out of the autopay feature and refuse to reverse the transaction. What is the point of extending credit if they pay off their own cards without the cardholder 's permission?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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: Information belongs to someone else

Complaint:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

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 2017-09-06
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I pay for XXXX XXXX XXXX through Experian and when I pull my report i get a XXXX score, then I go to buy a car and the dealer pulls the same Credit report from Experian and they get a XXXX score. The information belongs to us and I am paying for the service just as the car dealer, but they get a report with a credit score about 100 points higher. Why should I not get the same score.

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 2018-06-02
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: Account status incorrect

Complaint:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you

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 2017-09-06
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Money orders were stolen from our office in XX/XX/XXXX. I contacted Western Union customer care and was directed to file an online Payee Affidavit for each stolen money order and submit it through the mail which I did. After calling Western Union several times I have yet to receive an answer as of XX/XX/XXXX as to the status of my stolen money orders totaling more than {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX coded my emergency visit under dental so insurance was not covered. The bill was very high and could not pay for it so they sent this over to collections. The company called me several times and said that if I paid them this would not affect my credit in a negative manner. They put negative remarks on my credit even though they were paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX data breach has exposed my personal information through negligence, and other companies such as Transunion and XXXX charge or make their credit freeze options difficult to access.

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 2017-09-06
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over again.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have requested the the XXXX bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXXXXXX XXXX violation of consumer reporting I want item removed from 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 explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
My personal information was severely by Equifax and their security team, and was not informed about this directly until the report came out a month later, and I had to check online on my own accord to see if I was affected. I have had to place freezes on my account with Equifax, XXXX, and XXXX. However, I still have trouble getting through with Equifax 's system to place a freeze on my account with them, which is very counterproductive, especially with a company that just mishandled my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CASH AMERICA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was given a loan for {$110.00}, upon arrival to pay the loan, the amount loaned was changed to {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal. They also violated my rights under the 15 U.S.C 1681 section 602 A. States I have 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 2022-02-17
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: Information belongs to someone else

Complaint:
RE : XXXX XXXX XXXX XXXX Complaint # XXXX XXXX account ending in XXXX ( closed ) On XX/XX/2021 I have received XXXX response XXXX fraudulent XXXX account. On this letter the company stated that the account has been verified and it belongs to me. On XX/XX/XXXX of XXXX I've received a letter in the mail from macys regarding this same account, but this time XXXX stated that they will investigate the issue. It's now XX/XX/XXXX and still no update. I will attached additional information regarding this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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, and to inform you that there is no third party involved in the process. I sent letters to Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2021-08-28
Company: EQUIFAX, INC.
State: TX
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:
FCRA VIOLATIONS : NOT MINE REMOVE IT : XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX  Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX ( I Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX # XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Premier Holdings
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took a call from Premier Holdings about a XXXX XXXX XXXX loan I took in 2007. They said they are calling me because they sent a notice to me but it was sent back to them, which would be false because I never got it in the first place! 

I have paid this debt in full but they are saying I owed over {$1300.00} still but they were willing to settle the matter today for {$650.00}. They said that if I did not pay today they would take me to court and have my wages garnished. I told them to prove to me I did not pay it and supply documentation. What they supplied to me was a copy of the loan document with the truth in lending disclosure that I signed when I got the loan. 

I contacted XXXX XXXX to verify the legitimacy of the debt and after talking with several people at XXXX XXXX they agree there is no debt owed by me and they do not show where they have sold any debt I had to anyone. They too were concerned that someone is trying to collect on a debt that is over 12 years old paid or not.

It is my understanding that in both the state of California and the state of Texas, collection companies can not collect on debts older than 4 years old which makes me scratch my head as well. However this is not the case in my situation. My debt was paid, and they have been unable to provide any type of proof of written collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I got a mortgage on my Mom and Dad 's home to help pay debt. The loan paid of some debt and the rest covered the mortgage. The loan was with my parent 's bank XXXX XXXX XXXX XXXX XXXX. The mortgage was for : Principal and Interest {$740.00} Flood insurance XXXX Mortgage Total : {$790.00} **Please note that hazard insurance, PML/FHA, Taxes and other were NOT apart of the loan as my parents are on fixed incomes and could NOT afford it. I pay their taxes and homeowners insurance seperately as I have proof of that. 

XXXX sold the mortgage to XXXX who at one time tried to collect the escrow for taxes and homeowners, but I sent them the original loan documents and they corrected it immediately. 

XXXX sold the loan to XXXX XXXX XXXX and since XX/XX/XXXX, I have been trying to get the to stop trying to take the escrow for Taxes and homeowners. They have received proof that I pay the taxes in XX/XX/XXXX of every year and this covers the payment due in XX/XX/XXXX and XX/XX/XXXX, I have also sent them records that I pay the homeowners quarterly. I was originally told to just pay my original amount until they get it straightened out, So that is what I did each month I pay the payment of {$790.00}, then in XX/XX/XXXX they put payments in suspense, moved our payments to escrow and made it look like we were late on payments. Finally in XX/XX/XXXX I talked with another supervisor who said once I paid the amount of {$3600.00} which would bring account current ( even though we were current but they were putting our payments elsewhere ) the problem would be fixed within a week and we would get the escrow money back ( WHICH WAS MONEY I WAS GOING TO PAY TOWARDS MY MOTHERS FUNERAL EXPENSES SHE XXXX XX/XX/XXXX ). But again they lied and refuse to abide by the original mortgage loan. I have provided them with all 3 years of tax payments, documentation to show that I also pay homeowners. XXXX county also always returns their money to them and they have a note not to accept their payments. Now it is XX/XX/XXXX and they expect me to pay a payment of over {$1100.00}, which is way more then my Father has from is pension. WE DESPERATELY NEED 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 explanation
Consumer complaint received 2022-08-15
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:
( A ) In general- if, after any reinvedtigstion under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvedtigstiob, and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in question : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation