BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: FIRST HORIZON BANK
State: NC
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:
In XX/XX/XXXX, my Mother noticed there were deposits coming into her checking account via XXXX. These deposits were from companies that my Mother has never had any type of relationship with. 

We spoke with XXXX XXXX at the XXXX XXXX. He suggested that we reach out to the three companies that made the erroneous deposits. These companies were SC XXXX XXXX, XXXX XXXX XXXX XXXX SC and XXXX XXXX. No one at these companies was willing to assist me as I could not supply an account number for them to reference. 

We went back to XXXX XXXX who said all he could do was request the ACH deposits be returned. 12 of the original 15 were reversed on XX/XX/XXXX. Before the returns were processed, a fourth company began depositing by XXXX. More deposits from various companies continued to be made, totaling over {$30000.00}, through XX/XX/XXXX. 

We opened a new checking account on XX/XX/XXXX. It took several months to transfer all direct deposits and automatic drafts for bills to the new account. During this time, numerous deposits continued, as mentioned above. 

In XXXX, I came into the XXXX XXXX and met with XXXX XXXX, with whom we had continued to communicate. We transferred {$3900.00} which was rightfully my Mother 's, into the new account on XX/XX/XXXX, leaving over {$10000.00} in the old account. 

During that visit, XXXX and I compiled a list of the deposits that should be returned in order to close the old account. After months of worry and believing the bank would do their due diligence, we moved on. 

In XXXX, I received a call from XXXX XXXX. He stated that the bank had exhausted all avenues in returning the remaining funds but there was still {$8700.00} remaining in the old account. We could take a check or the bank would retain the funds. We took a check. 

On Monday, XX/XX/XXXX, there were XXXX separate transactions from XXXX XXXX, totaling {$9400.00}, which were debited from my Mother 's new account via XXXX, with no authorization from either my Mother or myself. These amounts were some of the deposits that the bank should have returned in XX/XX/XXXX. We believed, in good faith, that " all attempts had been exhausted ''. 

A fraud claim was filed for each of the 24 transactions on Wednesday, XX/XX/XXXX, as soon as we were notified that a check my Mother had written was going to be returned and we learned of the unauthorized debits. The old checking account has nothing to do with the new checking account and is not linked in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried multiple times with credit bureaus and consumer to get this fixed they are reporting false information I paid this in full selltlrment that they offered. This should not be reported charge off and that I owe some on this debt can you please get them to fix this on my credit it is hurting me having a reinstated charge off it is not right I did my part now they need to fix it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 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 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 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

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 2020-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 2023-06-27
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-07-11
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I have filed a police report in regards to my account ( XXXX ) with XXXX and Amsher Collection Services . I went into the XXXX store and received assistance. I was told that the account has been canceled, but found out that there were five ( 5 ) lines added to my account prior to it being canceled. I did not authorize these phone lines and I am not sure how they were added. The associated phone numbers are as follows : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XX/XX/XXXX I have attached the Police Report. Also, I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have filed a Police Report and have attached the report as well as the money order receipts to show the full amount that I sent to the XXXX XXXX XXXX XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2021-12-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : NewRez My loan was transferred to NewRez Mortgage servicing in XX/XX/XXXX. The loan was originated by XXXX I pay my own taxes and homeowners insurance directly and it was never part of my mortgage. Starting with my XX/XX/XXXX statement NewRez started charging me for taxes on my mortgage monthly statement. 

I immediately called NewRez and had an extensive conversation with them regarding the discrepancy. They asked me to send over proof of payment of taxes along with a letter from myself stating that I pay my own taxes. Both the proof of tax payment and letter were sent immediately to NewRez. I was advised that I should continue paying my normal monthly payment which does not include taxes. In order to make this payment I had to do it over the phone with newrez as I would be paying a lower amount than the statement which incorrectly was including my taxes. My correct payment amount = {$1900.00}. This includes principal, interest and PMI. The statement I received for XXXX had my monthly payment = {$2500.00}. I paid the normal amount of XXXX, payment was processed over the phone. 

The following month NewRez sent me a XXXX statement with payment amount = {$3200.00}. They have continued to include tax on my monthly statement even after I have provided proof that my taxes were paid. They simply ignored the fact that I have provided proof of tax payment and continued with adding taxes to my monthly statement. They also carried over an incorrect overdue payment amount from the XXXX statement. On top of all of this they charged me a late fee of XXXX. Another fact I learned from my discussions with NewRez is that they paid my taxes but since it was a duplicate payment ( i already paid them ) they received a tax refund from the taxing authority. NewRez continues to keep taxes on my mortgage payment even after received proof of payment from me and a tax refund from the taxing authority I have contacted NewRez again to resolve the issue. They have stated that they are now requesting escrow analysis on the account and that it could take up to a month to get the result of that analysis. Meanwhile I am receiving incorrect monthly mortgage statements and being assessed late fees for paying my correct monthly amount. 

The fact that I have provided NewRez with tax receipts at the moment the discrepancy was noticed and their failure to to take action on it leads me to believe that there is a high level of incompetence or lack of communication internally with this company. NewRez is placing additional burden and stress on me the consumer to constantly contact them and fix my payment even after I have provided them with necessary proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received what I think is a fake collection letter from XXXX XXXX XXXX, or someone impersonating them. This collection attempt is for an installment loan through a payday loan company, and mentions as a potential witness against me my ex-wife who is deceased. ( I haven't seen or heard from her since 2001. ) Also I never took out an installment load with the payday loan company mentioned in the letter. Whomever sent the letter is also trying to pass it off as a legal document with a " filed '' stamp on it, although it doesn't look like any legal document I've ever seen. The amount of money they want me to pay is a significant in that it's not a small sum, at least by my standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a business credit card with Captial One Bank. I spent over $ 60k on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that Capitol bank refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in Capitol Ones terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card. 


I have gotten back a response from CFPB regarding my credit card that was closed. The statement is false, it doesnt say anywhere in capital ones terms and conditions that if my account is closed my miles will be forfeited. Thats a false and a lie. I see that capital one is not there to help there customers. Ive read other blogs online that capital one closed other customers accounts for no reason. I will be going to my local news station to have them air this story. Capital one confiscated my miles for no reason. There customer service is terrible. They are not there to help there customers. I will also be filing a law suit in small claims court. Its states no where in terms and conditions that capital one has the right to forfeit any rewards if they close a customers account down. I will go to all media outlets to let customers know how capital one deceives customers into spending money on singing up for credit cards and closing them down for no reason. I will make sure my story gets everywhere and I will be filing a lawsuit against capital one. I have many news stations that are wanting to air this story how capital one just confiscates customers rewards. Ive read many blogs were the same thing happened to other customers. I paid my credit card in full and capital one fooled me into spending $ XXXX and when I got the bonus they shut my account down. It states no where that capital one has the right to forfeit my miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IN
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! EXPERIAN, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed 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 explanation
Consumer complaint received 2020-12-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I made XXXX transfer of {$600.00} from our checking account with SunTrust bank ( truist ) for the purchase of XXXX XXXX puppy. 
I can give much longer explanation, but the short version is : company is a fraud ( still have online presence ) and the whole " puppy '' is a scam. There now few XXXX warnings about that company but I guess no legal actions were taken by anybody. 
Web site name is : XXXX They offered XXXX electronic transfer as a way to pay for the puppy and even shared their email, name and telephone numbers in order to receive our funds. 
As soon as I sent money, they completely disappeared and no more communication can be established. 
When we immediately raised concern with SunTrust bank fraud representative they took all our information and created the Case and promised to investigate within 10 days and contact us with the result of their investigation. It took them less than 7 days to send us letter saying that our funds can not be returned.

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