BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2018-03-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received correspondence from Rushmore mortgage dated XX/XX/XXXX in regards to a modification agreement they want me to sign, that was dated for XX/XX/XXXX.

My loan servicer changed to Rushmore XX/XX/XXXX during my modification trial period. Rushmore refused to honor the modification trial period that was completed though my old servicer XXXX XXXX XXXX they set my home for a property foreclosure sale. I recently received these modification documents dated for XX/XX/XXXX of which is out of date. I have not signed them because it will reflect I defaulted on the modification agreement of which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to a company named XXXX XXXX, Account # XXXX. 
this account was supposed to be closed due to the fact that the Vehicle XXXX XXXXXXXX XXXX purchased later reposed and sold at an Auction. The company has continued to send mail asking for full payment, although it was sold.

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 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 am writing in reference to a released tax lien that is reporting on my Transunion credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed both by phone & by letter most recentlyXX/XX/XXXX and it came back " Verified as Accurate '' XXXX. This same released tax lien was immediately removed by XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear in your credit file. Transunion has not updated their information & per the new law the Released Tax Lien listed does not include all the required information & should be deleted 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 2019-08-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bought an engagement ring from XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. At that time, I took advantage of the 18 month interest free payment plan they had offered me. XXXX used Comenity Bank as their credit provider. Comenity set the monthly payments at {$240.00} per month without my input. I understood that this amount was setup to pay off the balance in full in 18 months. Additionally, Comenity setup up the payment dates of the XXXX of each month without my input. My final payment of {$180.00} was setup to be paid on XX/XX/XXXX. The interest accrued in full per the payment plan that Comentiy setup on XX/XX/XXXX. Community could have set them at $ XXXX  monthly and I would not have fallen short on my final automated payment of {$180.00} by less than two weeks. I was not able to access my account online after trying several times over several months, I had to finally call their customer service to resolve my account access issues. The customer service rep I talked with said this was a problem for many of their customers and that I just needed to call in to reset the account to get access. Meanwhile I had no access to my account and therefore did not know that my last payment was due XX/XX/XXXX NOT on the automated final payment date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Contemporary Information Corp
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent via certified mail a request for a security freeze to Contemporary Information Corporation with a copy of my driver 's license and recent utility bill. CIC has refused my request asking for my social security number which I am not required to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was approved for a permanent loan modification. I was required to pay XXXX PER A MONTH starting XX/XX/XXXX. Everything was going great, until XX/XX/XXXX, when LO AND BEHOLD, Chase Bank sends me a bill showing that I am over {$11000.00} in arrear on my payments. 

When I called to receive the answer, the woman stated I did not pay XX/XX/XXXX XX/XX/XXXX. AND XX/XX/XXXX. 
This is totally false. I am enclosing all of my bank statements showing that my payments were withdrawn directly from my account, and that NONE of my payments were returned NSF as she indicated. 
I am also enclosing copies of all of my mortgage statements showing that NOT ONE mortgage statement shows that I am past due any money.

Finally, if I am approved for a loan modification as I was back in XX/XX/XXXX, I should have nothing that I owe Chase Bank because all arrears are added back to the mortgage. 

This is A HUGE ERROR. I am very, very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
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:
Chexsystem has violated my federally protected consumer rights. Under 15 USC 1681 states I have the right to privacy. 15 U.S.C 1681 section 602a state a consumer reporting agency can not furnish and account or personal information without my written instructions. 15 USC 1681b allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other. ( 1 ) In response to a court order or Federal Grand Jury Subpoena. ( 2 ) In accordance with written instructions from the consumer to whom it relates and no other. I did not give Chexsystem written instructions or permission to furnish this personal information. They didnt receive a court order or subpoena. Chexsystem continue to violate the FCRA and violate the law with this dispute.

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 2022-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please refer to case # XXXX ; the case was closed without me adding a response to their response. After reviewing the case #, Capital One updated the account from reporting me delinquent in XXXX and changed it to XXXX after reviewing the case #. This validates that they falsely erred on my credit report. I am now asking to have them forbidden to make any credit reporting on my account or credit rating. We made an agreement for the past two years while I was on their payment plan that my account would not be reported delinquent. I am asking to have them removed from any reporting asap. I am hurt and upset about the backlash I am receiving from Captial One over our disagreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged 3 overdraft fees of XXXX dollars each by my bank Huntington. When the transactions are placed in the chronological order of the transaction being placed then my checking account was in fact not overdrawn at any time and the account was a positive amount. 

Huntington bank refunded me XXXX dollars of the XXXX dollars I was charged. 

I am asking for the remaining XXXX dollars to be refunded to my account since my account was never overdrawn and positive. ' I have enclosed the screen shot with the accounting showing the correct chronological order of transactions and the corresponding balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I tried to use my Bank of America debit card in a gas station and it was canceled. Later that day I received XXXX emails that both my XXXX phone number and email were deleted and when I tried to log in to my account, I was not able to transfer or use my debit card. 
I have tried to call them throughout the week and they just told me there is a restriction on my account and to transfer me to a department that never answers. I waited on the call for XXXX hours and XXXX min and no one answered. I am left with no money and no access to my money due to the restriction and I am not in the US, so my access to money is XXXX. Bank of America has been treating me like a dog and it is not allowing me to use my money with no prior notice or any emails or messages to explain why they have restricted my account. 
I have XXXXe week in a foreign country begging for money because BoA has decided to freeze my account with no notice or motive whatsoever and no one is helping to make sure I have access to my money.

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 2022-07-17
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion 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 whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2017-09-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I call Wells Fargo about something on my online account. After talking about it, I said I take care of it and would follow up tomorrow XX/XX/XXXX.
OnXX/XX/XXXX. I returned the call to Wells Fargo to let them know I did correct he problem. Well they said they had to ask me questions to verify and release the block on my account. So they asked me questions about myself and said it was not a match. So now they had to ask me more questions. I remembering this happening several times before. 
They have my money and are asking me questions about my life and determining ifs its a match or not. 
How dare they play these games with my money. They do n't know me. 
They claim there questions about me is based on public data. Public data. When I responded to there public data questions, they have the nerve to say no match. Are you kidding me What kind of game are they playing with my money. They can not have the right to withhold my money based on public data information. They at no time ask me whether the public data information they have on me is true and they use this information to determine if they are going to remove a block on my money. This has to be wrong and illegal. They at no time told me they have thoroughly researched this public data information, cross referenced checked it with me and others and know for a fact this public data info is true or false and then they ask me these questions and tie my access to my money based on these questions. That 's wrong and bad business

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 2022-07-17
Company: TD BANK US HOLDING COMPANY
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:
I discovered an unauthorized withdrawal was made from my checking account ( TD BANK ) on XX/XX/22. 
The autodebit was from XXXX XXXX XXXX XXXX AUTOPAY in the amount of {$1100.00}. 

This is a fraudulent withdrawal. I am going to the bank this morning to freeze my accounts with them. I don't know it there is anything I can do to get the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called XXXX weeks later to follow up Transunion said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for XXXX said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes XXXX days. I have now read all that I can regarding identify theft and I now realize that the XXXX XXXX bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all XXXX Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens

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 2022-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, 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:
The following inquiries were made around the same time last year when I was XXXX  that I do not recognize nor did I authorize ; Jpmcb Auto XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
InXX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with XXXX. XXXX Our account number is XXXX. ) InXX/XX/XXXX, XXXX began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with Experian on XX/XX/XXXX. On XX/XX/XXXXI received a response that my dispute was denied by XXXX because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX I submitted a new dispute, directly with XXXX for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from XXXX dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau 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 explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: GA
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. 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, 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 an 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 explanation
Consumer complaint received 2022-02-18
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:
XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX : XXXX -- -> : {$50000.00} XX/XX/XXXX XXXX XXXX -- XXXX : {$8100.00} XX/XX/XXXX XXXX -- -- XXXX : {$630.00} XX/XX/XXXX XXXX -- -- XXXX : {$6000.00} XX/XX/XXXX XXXX -- -- XXXX : {$920.00}XX/XX/XXXX XXXX -- -- XXXX : {$5500.00}XX/XX/XXXX XXXX -- -- XXXX : {$3000.00} XX/XX/XXXX XXXX -- XXXX XXXX : {$3000.00} XX/XX/XXXXXXXX -- -- XXXX XXXX {$6400.00}

Company response to consumer: Closed with explanation