BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN CO ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this 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 2023-07-11
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:
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 has violated my rights., 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 XXXX XXXX Account XXXX has violated my rights. Or a 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-17
Company: Experian Information Solutions Inc.
State: NC
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:
After reviewing my credit report, I noticed a multiple unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized XXXX  XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - 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 2023-10-19
Company: EQUIFAX, INC.
State: MS
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed and the money was frozen for about three months, and this is a long time, as I was harmed to the point that I was fined for being late in paying, including traffic violations and the credit card. I was also fined for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
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:
these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: American Credit Acceptance, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
American Credit Acceptance ( ACA ) arranged for my vehicle to be repossessed. XXXX XXXX  is the company that towed it. They broke my door handle off while it was in their possession then hid it so I didn't find out until hours later. I contacted ACA who provided contact information for XXXX XXXX XXXX. I sent an email, as I was instructed to do, with full details and photographic evidence. This was all on XX/XX/XXXX 

XXXX says there is no evidence and denied my claim on XXXXXXXX They're saying to address the issue with XXXX- the company that hid the damage so, obviously, had no intentions of holding themselves accountable. The XXXX site has TONS of complaints about this company denying claims for damage done by their agents. They need to be investigated to the fully extent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : Transunion, XXXX, and XXXX. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system XXXX  ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the XXXX system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.

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 2023-09-15
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued a prepaid virtual disbursements XXXX which is managed by a XXXX  company called " Blackhawk Network Holdings ''. The card has a prepaid balance on it, and I have all paperwork/emails stating and showing the cards rightful balance. The card does not work, and despite numerous attempts to utilize it, no merchant is able to charge it, including reputable firms like XXXX. 
I then received information from this company that this card had " dormancy fees '' which have basically eroded the value of the card. I received the card in late XX/XX/2022 and it seems 5-6 months later, much of the value of the card was already gone due to these mysterious and predatory " dormancy fees ''. One fee amount of " dormancy '' was over 25 % of the card balance - truly unethical behavior and predatory. The e-mail which I received does not highlight these fees or underline this issue prominently anywhere, nor is there a link to any terms and conditions on the email I received. What this company seems to do is provide gift cards, make it difficult to access those gift cards and then have " dormancy fees '' which quickly erode the XXXX XXXX the card so a consumer can not spend the capital and they likely keep it. Their business model is truly scummy. Their business practice is truly predatory and significantly harmful to the American customer, I am asking the CFPB to assist in looking into this matter. This is a truly unethical company and their dishonest and unethical behavior has to be investigated. I am rightfully owed this money and I am looking for them to rectify this issue immediately and provide me the funds they are legally obligated to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XX/XX/XXXX, I contacted XXXX 's customer service to reserve a hotel room in XXXX XXXX for XX/XX/XXXX. The customer service representative asked if I would like to open a credit card and I explicitly said " NO ''. A few weeks later I received a credit card in the mail. Initially I thought it was just a rewards card until I checked my credit report on XX/XX/XXXX and saw that a XXXX 's XXXX was issued by Comenity Bank on XX/XX/XXXX. I did not apply for or agree to receive this credit card and am very concerned that it is now on my credit report. I have never used the card nor do I plan to. I have contacted the issuing bank and asked that the card be closed and that the card be removed from my credit history and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per my Bank of America ( BofA ) mortgage statement, my payments in XX/XX/XXXX were for XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, my payment for XXXX XX/XX/XXXX was received and acknowledged. On XXXX XX/XX/XXXX, my payment for XXXX XX/XX/XXXX was received and acknowledged. On XXXX XX/XX/XXXX, my payment was acknowledged, but they claimed it was for XXXX XX/XX/XXXX again. On XXXX XXXX BofA assessed a late fee of XXXX for XXXX XX/XX/XXXX even though they had twice acknowledged the payment in my mortgage statements and checking statements. They are now demanding {$1800.00} and are listing me as slow when I am clearly 2 months ahead in payments. 

BofA in fall of XXXX changed my account number and then after 2 months notified me that they had not been paid and threatened foreclosure. I had to pay again and it took them 6 weeks to find my original payments. 

These predatory practices must be stopped and BofA has quite a history of doing this. I would appreciate any assistance your office can provide to rectify this and hold the guilty party responsible.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-16
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX XXXX XXXX  : {$530.00} 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 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 2023-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, I took a taxi in XXXX that charged me XXXX XXXX   and paid with my Citizen 's bank Mastercard. ( Receipt attached ) As you will see in my statement, attached, there are two back-to-back transactions : XXXX Sum-Up XXXX  - {$2100.00} ( this is fraudulent and in the claim ) XXXX XXXX  - {$24.00} ( this is the ok taxi charge ) XXXX XXXX, XXXX - I opened a case with Citizen 's bank # XXXX and spoke with Customer Service Rep XXXX. 

XXXX XXXX, XXXX I followed up with Citizen 's bank and an associate by the name of XXXX gave me the following Claim number : # XXXX -XXXX XXXX  I received a letter dated XX/XX/XXXXXXXX  stating that my claim was denied. 

The bank has failed to show proof of such a large transaction which usually requires identification and a signed receipt- {$2100.00} transaction. 

The bank is failing to attend to my claim and dispute. 

Thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a charge for XXXX and change placed on my card in XXXX, I immediately called the bank when I got my statement to report fraud. They took the complaint but still the charge remains on my account and they charge me monthly interest. I have never heard from them despite numerous calls to them being placed on hold for up to XXXX minutes. When I ask where we are after 90 days i am told its under investigation. When I ask what steps and measures have been taken I am told that is confidential? 

I am thoroughly disappointed and disturbed to be treated this way but more so concerned that Truist bank can get away with this.

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 2023-10-17
Company: Avant Holding Company, Inc.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called the company several times and no one would help me. Three weeks ago they said it was closed and under investigation. Then the amount went from {$95.00} to {$140.00}. I never received this card and never used this. I called to just pay it off and they wouldn't let me. I tried talking to a manager but they hung up. I called back and got an email to send them the issue and pay and have not received anything back. I'm trying to get a house and this company popped up on my credit report. Since I never received or used the card they still wouldn't help me. Even though they are in the wrong I just wanted it off my credit report. 
Avant is the name of the company and my wife looked up and saw there have been many complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Applied for Loan wiht XXXXXXXX XXXX  went to purchase vehicle bc loan funds werent received by dealer from XXXX XXXX. Dealer funds were retracted and sent back to XXXX XXXX XXXX XXXX straight from 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 2023-10-06
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation