BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and 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 2023-05-23
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 have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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.

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MD
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: U.S. BANCORP
State: MN
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 was scammed out of my Checking, Savings and reserve line. I had Provsional money added to my account for the amount of {$7500.00}. That is a little less than what I was scammed for. Now they have stated, they are going to reverse it because it was authorized. The scammer scammed and manipulated me into getting gift cards they claimed was an overpayment for renewal service that was done. The XXXX XXXX  did do service 2 years ago and I thought the email was from them and that I overpaid them. It was ALL A Scam. Now the bank wants to TAKE MY LIFE 'S SAVINGS. I've been with US Bank for XXXX yrs and worked for them XXXX yrs. HOW and WHY would I authorized scammers to TAKE MY MONEY. What is FDIC for? I am at retirement age and that was ALL I had. I need help in getting my money back into my accounts. PLEASE HELP..

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 2 emails that appear legitimate that someone was attempting to use my email to 1st open a checking account on XX/XX/23. On XX/XX/23, I received another email for a failure to qualify for a savings account of some sort. I've never engaged in business with Bank of America. I don't know if my personal info has been acquired or not

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 2022-11-27
Company: EQUIFAX, INC.
State: NC
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 submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, XXXX XXXX and Equifax. 
XX/XX/2XXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
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:
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 Bank : # XXXX, XXXX : # XXXX, XXXX Account : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I believe I was a victim of SIM swapping based on the nature of my incident. My Bank of America account was depleted of over {$15000.00} while I was recovering from a serious case of XX/XX/XXXXand in the hospital for 10 days. Incapable of using my phone let alone make purchases of the amounts made on my account. I noticed the fraud when I attempted to make a purchase using my XXXX account which is linked to my bank for a few hundred dollars and being informed it was declined. I then went and looked at my online banking with B of A and noticed a charge the week prior for {$7600.00} and another one that day for the same amount. Not including international charges close to another {$500.00} from a company in the XXXX called XXXXXX/XX/XXXX. When I looked it up it turned out to be from XXXX. Apparently my money was used to purchase some kind of XXXX. I emailed the contact from their website and informed them of what happened and filed a dispute with BANK OF AMERICA on XX/XX/XXXX. They said they had to investigate and would get back to me. Today is the XXXX and I just received an email from the XXXX people saying they were sorry and couldnt help me. I am broke and just got out of the hospital and B of A Is investigating a claim for XX/XX/XXXX which I was under the notion wasnt even legal to but with US banks. If they deny my claim that is all of my unemployment money I have and everything i have saved. It will destroy me. Please help make sure I get my money back.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-02-23
Company: Experian Information Solutions Inc.
State: NY
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-03-19
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a 30 year home loan at 4.5 % with Mr. Cooper since XX/XX/XXXX. I make the payments on time and regularly add another {$500.00} to the loan to further reduce my loan balance. I applied in XXXX of XXXX to refinance my current loan with Mr. Cooper to a Conventional15 yr Fixed loan at 2.25 %. This loan modification will result in the same payment amount I have been making for all these years. No change in my payment amount. Although I have a solid credit history and have a long unflawed payment history with this company they continue to find an excuse to approve the refinance excusing themselves by claiming underwriter requirements and XXXX XXXX and XXXX XXXX guidelines. Since my initial refinance application I have submitted document after document to complete this refinance process. Each time I complete one request they come up with some additional piece of information to again delay or halt the loan refinance. This is now seeming more like harassments then reasonable and justified requests. They themselves admit that there is no doubt I can afford the payments for this refinancing option, however they refuse to approve the refinance option further using the excuse that they must insure there is no criminal activity associated with this loan such as money laundering. I am a retired XXXX XXXXXXXX from the XXXX XXXX XXXX. I also am retired from the XXXX and am XXXX XXXX XXXX. Again, I can afford the new loan and this makes no sense based on my history and my current financial situation. There needs to be oversight and accountability to this lenders unscrupulous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent a letter to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The folowing items must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-26
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Between XXXX of 2018 and XX/XX/2018 I accrued a number of medical charges due to XXXX XXXX, a XXXX XXXX, a hospitalization, and a serious illness. 

XXXX XXXX I had both Medicare/Medicaid and employee XXXX.All of my bills were paid and deductable settled.When I ended XXXX XXXX, my co-pays were minimal. 

It took a great deal of effort on my part because both insurance entities were making error after error. It was really appalling. However, I finally documented that everything was paid. I got an email from XXXX XXXX XXXX saying my balance was XXXX. 

I got a phone call from Diversified a collection agency. They said this account was placed with them. I explained that it was paid and the rep said just wait a bit, it will drop off. 

I received two letters in XXXX from them. Both cite almost exactly the same amount owed, so two bills for over {$5000.00} total. Enclosed with each letter, I suppose as an attempt to document this claim, was a single sheet of paper with four collumns : entity name, amount, fees, total. 

There are just sums listed. No dates of service, no doctors names or procedure codes, nothing. These bills have been paid. I dont need to deal with this because its not owed. 

Further, they have not supplied legitimate documentation. I have hundreds of bills and lists of charges. How do i know what these sums represent. 

Please, please help. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: OH
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 requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.

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 2019-04-26
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XX/XX/XXXX to XX/XX/XXXX my Discover credit card has been extensively used by a scammer. I opened this card mainly for the purpose of balance transfer from another card, I set up a minimum amount to pay back every month, I barely used the card and did not pay attention to the billing statements. 

It was not until XX/XX/XXXX that I found out about the fraud amounts on this card, I contacted Discover right away and they promised me to resolve this ; within the month they returned the amounts disputed of {$250.00} back to my card, but that was not the full amount, Discover still owed me {$130.00} but I never heard from them again. 

I thought it'd be over and I could move on but no, the card was again used by scammers and charges continued to occur well into XX/XX/XXXX. I reported the issue to Discover and asked for a new card and the company again promised to resolve it. By this time, the overall charges were {$770.00}. Discover later refunded me {$540.00} but the remaining amount of XXXX XXXXwas never received. 

However, in XX/XX/XXXX Discover charged me {$460.00} out of the previous disputed amounts. In XX/XX/XXXX I  disputed for the third time against the amount charged in XX/XX/XXXX with them, and they again promised to help me. 

Today is XX/XX/XXXX and I have not heard or received any response from them, I have called and followed up with the company at least 5 times. I just finished a phone call with Discover representative and was told the fraud department had completed the investigation one month ago on XX/XX/XXXX, and determined the charges were my liability. In addition, without any new information I can not open another dispute with them. However, during my previous followups nobody had told me if they made any progress in my case, and all of a sudden now they are telling me I am responsible for these charges. 

We are now burdened with an extra {$620.00} to pay which was fraudulently used. We have been working hard to pay off our debts, but with situations like this we will never achieve a debt free life. Please consider our complaint and uphold justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I submitted a payment to Capital One in the amount of XXXX for the statement balance of my card. On my bank account that was posted as of XX/XX/XXXX. I attempted to make a purchase on my card on XXXX and it was declined due to the payment being held. They are holding payments that have already cleared ACH and I am sure investing that money with interest without the consumer being able to use the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am a XXXX year old retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as LVNV Funding LLC. The letter also claims that the original creditor was XXXX XXXX XXXX  XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I check my account last month. I only owe {$74.00} balance negatives and I check this week. I check again its from {$74.00} to {$190.00}. Negatives they charged me another fee. Five day negative fee of {$30.00}. Then next they charged me 4 {$34.00} fee. The XXXX XXXX  and XXXX XXXX. I called both bank. XXXX said that I didnt owe them anything. No return check. Also XXXX  said that its was return fee. So did stop them from send check thought, I sign up to have check paid and debit card paid. They rather keep charging me fee. Rather just pay the one card. So would owe them over 4 fee. So that when ask can I closed the account. I was told no until the money is. This bank should be closed bank of fee.

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