BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
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 the ( Consumer ) sent in a letter to verify the accuracy of accounts on my report. I have not received any information in the mail I understand its Covid going on but I am trying to Finance for a new car and I have some inaccurate information on my credit report. I sent my first Letter XX/XX/2021. I then set my second letter XX/XX/XXXX still no response. I then sent my third letter to Demand A response still no letter this is why I am contacting you guys. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Also under 15 US Code 1681 congressional finding and statement of purpose A ) Accuracy and fairness of credit report Accuracy means everything is correct. 
Fairness means no one is taking unjust advantage of another.

The banking system is dependent upon a fair in accurate credit reporting in accurate credit reports directly impairs the enfishcentcy of the banking system unfair credit reporting methods undermines the public confidence which Essential to continue functioning of the banking system.

The inaccuracy on my report does not benifits me. There is no Equity for me.

As consumer i have the right to privacy. Anything arise from my credit card should not b included on my credit report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be Block and removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2020-04-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check from my grandfather in the amount of {$1000.00}. He sent this money to help me as I am a single mother who has been laid off due to Corona. The check was put on hold, with out {$200.00} rule being observed. The check has posted to my grandfather 's account as of XX/XX/XXXX. The funds are on hold until XX/XX/XXXX despite having already cleared. These funds are desperately needed, and even though the check has been cleared, the bank is still hold guaranteed funds. I have received no help, in even getting the first {$200.00} made available as per reg. Cc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Klarna AB
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a bed from XXXX  using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. As soon as I realized what happened, on XX/XX/XXXX I contacted customer support and was guided in turning off autopay and setting up direct payments to them through my bank. I set up for {$75.00} to be paid every month automatically from my bank. My first payment on XX/XX/XXXX was applied correctly, but my XX/XX/XXXX payment was accepted, but instead applied to the principal ( it applied to the XX/XX/2022 payment ) instead of the XX/XX/XXXX payment due. Then they sent me emails that this payment was not received. Then they sent a letter stating they would report me to credit bureaus. I contacted them through chat several times, it was escalated, and transferred to email, which went back and forth over 5 times, and I have called the customer service number twice. They have acknowledged the mistake but have failed to correctly apply my payments. After all of this, my {$75.00} payment they received on XX/XX/XXXX was again incorrectly applied to the principal ( Now XX/XX/2022 ) instead of the the next payment due. And again, after confirming they received the payment, they are now, again, telling me I missed it, and again sent me a letter saying they will report me. I have the funds. I am making a good faith effort to pay this off, and am even paying more than the amount due so I can pay it off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have an inquiry on my consumer report that should not be there XXXX XX/XX/2020 XXXX it has been on my consumer report for about a month now.

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 2022-04-30
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Equifax.. XXXX XXXX Acct number : XXXX XXXX N accordance with fair credit regarding act XXXX  to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions They put a middle name on my name. I dont have a middle name and they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have contacted Transunion by telephone and by mail on five occasions. I have an active fraud alert and credit freeze on my credit report, however ; inquiries and unsolicited credit offers continue to occur. I was told by Transunion that I must have a police report to remove fraudulent inquiries that I did not authorize. As a credit reporting agency, Transunion should not provide a copy of my credit report without my consent to creditors unless i have an existing relationship with them. The following inquiries were not authorized by my and I demand that they are removed. I believe that Transunion is discriminating against me based on my gender and ethnicity. I provided Transunion with dates and the name of each company. I did not authorize these inquiries. <P/>XXXX XXXX XXXX VIA XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/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 2017-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started the modification process in XX/XX/XXXX with Bank of America. They have all the paperwork. I was told they received everything in XX/XX/XXXX. They have medical records from my doctor stating I would be off work until XX/XX/XXXX. FMLA paperwork included in the paperwork. I was not getting paid during this time. When I returned to work I began making payments again to Bank of America in XX/XX/XXXX the payment was returned and I was told that XXXX was my new services. I made my payment to XXXX and have been making regular payments ever since. XXXX with XXXX has informed me that Bank of America has not forwarded ant paperwork. XX/XX/XXXX is the final day to cure the default. I started the process prior to my XXXX  as I knew I would fall behind now I 'm am faced with  foreclosure because of Bank of America 's negligence. Bank of America needs to forward all paperwork to XXXX immediately. Their attorney needs to get the issue resolved instead of sending be the nonsensical paperwork saying that they did their job, they did n't!

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 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ARAGON COLLECTION AGENCY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX VICTIM OF IDENTITY THEFT, NEVER USE FIRE RESCUE, MY IDENTITY STOLEN. I HAVE FAX MY COMPLAINT 2 TIMES ON XX/XX/2019 SPOKE TO SUPERVISOR XXXX ON XX/XX/2019 EST XXXX XXXX  SHE STATED COMPANY NEVER RECEIVED THE 2 FAXES PROOF FAX NUMBER # XXXX SEE FILES UPLOADED. PROOF OF FAXES AND PROOF OF IDENTITY THEFT COMPLAINT COMPANY ARAGON COLLECTION AGENCY REFUSES TO REMOVE FRAUDULENT I XXXX DEMAND FOR JUSTICE AND REMOVE THIS NEGATIVE XXXX XXXX XXXX XXXX REPORTING TWICE SAME 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 explanation
Consumer complaint received 2022-04-30
Company: Convergent Resources, 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 Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I am filing this complaint in regards to TD Bank not honoring their promotion. I found this promotion on their website and it stated that if I opened a new checking account online and received direct deposits of {$500.00} or more over the first 60 days I would be credited {$150.00} after 90 days. I met those requirements and I have n't been credited the bonus. In late XXXX I went to a branch and the banker told me I did meet the requirements but bonuses are usually paid out after 96 days. I waited two weeks and there still was n't anything, so I called their customer service line on XXXX/XXXX/17. Again I was told by the TD Bank customer service rep that I met the requirennts and he 's not sure why I was n't credited the bonus. He said he would email the promotions department and get back to me. He returned my call and told me that this promotion was for existing customers not new ones. I have a picture of the promotion and it clearly states " New Customers ''. Since then I have called the customer service line 4 more times XXXX on XXXX, XXXX, XXXX, & XXXX ). They all said the same thing, that I met the requirements and they are n't sure why I have n't received the bonus. On XXXX I visited a local branch and the banker there told me the same thing as the others. On XXXX I followed up with her and she told me the promotions department emailed her stating I did n't click the right link but there was only one link to click. On XXXX I was told the promotion was n't active during the period I signed up but the promotion was available on their website. I have been told by 6 customer service reps that I have met the requirements and I should have received the bonus yet their promotions department has comeback with 3 different excuses as to why they wo n't credit me the bonus. I look forward to hearing back from you. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these account is not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to 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 explanation
Consumer complaint received 2022-04-05
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022 I paid off the amount I owed to the CC company. On the same date, the CC company states that I have overpaid. I called in and was issued a refund of the amount I overpaid ( - {$4.00} ). On XX/XX/2022 the check was issued and sent to my home address. After I received the check, I deposited it into my bank account. The amount the CC company issued and the information on my statement were different ( the check was issued in the amount of {$4.00} instead of {$4.00}. I once again called the CC company ( Comenity XXXX XXXX  ) and asked them about the discrepancy. Instead of having a proper explanation, Comenity stopped the check which caused my bank to charge me a fee for a stop payment service of {$12.00} dollars. I called Comenity again and requested an explanation and a refund of the fee my bank charges me. Comenity deposited the {$4.00} to my bank account directly. The refund for the bank fee is still not paid. I am requesting Comenity to issue the check in the amount of {$12.00} to refund the bank 's fees. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: OH
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 the records of convictions of crimes 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 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 2022-04-30
Company: Axela Technologies, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached communication by US Mail on XX/XX/2022. The collection agency is attempting to collect debt that is not owed by me or anyone known by me. In the attached correspondence, the collection agency threatens to report me to the credit agencies, damaging my credit. I attempted to call the company at the number provided, but a recorded message stated no one was available to take the call. As I am not involved in the debt or the property the debt refers to, I do not wish to give the collection agency any of my personal information, and I want them to desist from contacting or harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these account is not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: AZ
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: Billing dispute for services

Complaint:
Hi, a little ov er two a m onth ago ( I 'm not sure on the exact date ) I downloaded an app on  my iPhone  called  XXXX   XXXX   (  an app that was supposed to track how much you spend a month on subscriptions  ). I  ended up deleting it after putting my  XXXX   XXXX  credit card information. On  XXXX   XXXX  I got charged by Experian  Credit Rep with {$1.00}, which  I did n't think much of. I thought maybe it was the app or something else. Then it charged my same account again on  XXXX   XXXX  for {$21.00}. Confused, I called Experian to figure out what was going on, but after maybe  10  minutes waiting on hold I hung up and hoped it would resolve itself. Unfortunately it did n't, I was just charged again with {$21.00} today,  XXXX  the  XXXX . It 's odd because these charges are always in the middle of the night. Now I 'm not completely sure if  XXXX   XXXX  is the origina l one  to blame here but by my actions and time table of the charges, this is my best guess. I 'm going to try to call Experian again today and hopefully get this resolved.. The fact that I ca n't even clearly recall how I somehow signed up for what seems like a {$21.00} financial subscription is why I am filing this complaint. Please feel free to contact me if you need any more 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 explanation