BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on a closed account in the amount of {$320.00}. I have called multiple times, spent hours on hold, and have been transferred to every department. They keep telling me 7-10 business days but I can't seem to get my money! Going on 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 monetary relief
Consumer complaint received 2022-02-16
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries that are listed below are still reporting on my Credit Reports and need to delete immediately : 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 explanation
Consumer complaint received 2019-01-25
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is a XXXX credit card debt. XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my XXXX card was paid on time. 
XXXX Card debit was turned over to SUTTELL HAMMER & WHITE XX/XX/XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. XX/XX/XXXX we looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I  have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) XXXX BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By SUTTELL HAMMER & WHITE PS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: AR
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 have a loan with XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}. Under the Fair Credit reporting Act, I am requesting that you correct the disputed accounts to appear accurate information on 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 explanation
Consumer complaint received 2018-02-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.

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 2024-01-08
Company: PENTAGON FEDERAL CREDIT UNION
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:
Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ XXXX XXXX XXXX and XXXX XXXX as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.

I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.

[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law. 

Thank you for your prompt attention to this complaint.

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 2023-10-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, Equifax, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: WA
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 VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, BACK WHEN THE ACCOUNT WAS OPENED XXXX  MY MOTHER WAS VERY XXXX, I HAD TO LEAVE XXXX AND BE BY HER SIDE AN DBE WITH MY FAMILY. UNFORTUNATELY WE LOST MY MOTHER AND I HAD TO STAY BEHIND AND BE WITH MY FAMILY. I ENDED UP STAYING IN XXXX MUCH LONGER THEN ANTICIPATED. UPON MY RETURN I REALIZED THAT THIS FRAUDULENT ACCOUNT WAS OPENED UNDER MY NAME. I HAVE REACHED UT TO THE BUREAUS AND TO THE CREDITOR AND NO ONE SEEMS TO CARE ENOUGH TO HELP, BUREAUS ARE TELLING ME THAT THEY ARE ONLY A REPORTING AGENCY I SHOULD CONTACT THE CREDIT CARD COMPANY, I HAVE CALLED NUMEROUS TIMES BUT THERE IS NO RESOLUTION, THEY HAVE NO PROOF TO GIVE ME ON WHAT BASIS THEY OPENED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: OPTUM BANK, INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing in regards to 10 approved but unpaid claims on my HSA account with Optum Financial. The claims were filed more than 7 weeks ago ( between XXXX and XXXX XXXX ) and have all been approved since XXXX. The 10 claims total over {$550.00} and I have called customer care 4 times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and every time I am given a new case/ticket no. but with zero updates or progress. Previous tickets have been closed without any resolution and every time a new ticket is created with no updates. 

Requesting help with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXXs ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2019-09-25
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 XXXX medical bill hippa violation XXXX XXXXXXXX violation caused by their data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2022-08-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I call Rushmore Loan to ask why my monthly mortgage payment went up when I paid the escrow shortage from the XX/XX/2022 statement they mailed me. The representative told me there was a {$3.00} escrow shortage. I asked the representative why they hadn't mailed me the notice. As I was on hold, I logged onto my web portal and found a new escrow analysis report showing this {$3.00} escrow shortage. I told them the representative that I was willing to pay any escrow shortage but I didn't want my mortgage payment to go up. The representative told me it was too late. I asked to speak to the customer service manager. I then spoke to XXXX who gave me his email address at XXXX. I told him that I called Rushmore to pay the {$630.00} shortage so my payment wouldn't go up. This payment posted on my checking account on XX/XX/2022. Therefore, when I logged into my portal to pay my XXXX mortgage payment, I was surprised to see an increase on my monthly payment. It went from {$2100.00} to {$2200.00}. How can a {$3.00} escrow shortage increase my payments to by {$38.00} each month. He then explained that Rushmore has a minimum required escrow balance. I said okay but why don't you give me a statement and give me an opportunity to pay it so I can prevent my mortgage payment from increasing? I didn't understand his explanation and in all my past experiences have been that if I pay the escrow shortage statement amount, then I don't see in increase in my mortgage payments when I have a fixed interest rate. Even the representative who took my XXXX payment of this escrow shortage told me that my payment shouldn't increase if I pay the shortage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down XXXX  of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call from a company called Hunter Warfield stating that I owe {$26000.00} for breaking my lease at a rental property called XXXX XXXX in XXXX, Ga. The rental approval went through a company called XXXX XXXX in XXXX of XXXX. Im just being made aware of this issue in XXXX of XXXX. I never received a bill from anyone. I spoke with both Hunter Warfield and XXXX XXXX regarding this fraudulent matter. Both advised me to submit a complaint to the FTC, obtain a police report, and submit a notarized affidavit. Attached are the copies of these documents. I have not heard back from anyone yet. Lastly, once this situation is cleared, I would like my name removed from any rental listings that might state I have a bad history for renting. I would eventually like to move and I dj t want a negligent rental history on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Conduent Incorporated
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an XXXX account with XXXX XXXX and for years the minimum balance to maintain the account without a monthly fee has been {$1000.00}. I have never paid a fee. I just turned XXXX and am in the process of winding down the account but have been using it to pay recent expenses since I can no longer contribute to the account. My plan was to withdraw the entire balance when it was just above {$1000.00}. However, in XXXX I noticed that a maintenance fee was charged to my account. When I inquired and asked that the fee be refunded, I was told that the fee is charged if the account balance is below {$5000.00}! I told XXXX XXXX that I was never notified of this change or I would have withdrawn the funds and closed the account before the maintenance fee was charged. I then withdrew the remaining funds in the account and demanded a refund and told XXXX XXXX to close the account. They have ignored me. I do not even know if the account has been closed. They are impossible to reach and never respond directly to the multiple messages that I send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Attention to : XXXX Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX  are reported collection account from Receivables Performanc when there is obviously no proof that it even belongs to me! I am not saying this is identity theft, but I am saying is that you are being paid to report all accounts accurately and completely and I know for a fact that you didn't verify this account! Where is the contract with my signature with this Receivables Performanc company? How can XXXX  report this account verified, without contract and without my signature with this company Receivables Performanc? 

Having said this, I need to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. I am certain that I shouldn't have to reference anything because you are required to know the law, but section 609 protects me against false reporting and I should point out here that that is exactly what this is! 

Delete this collection account immediately and send me a new report showing it is been deleted.

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