BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ARS Account resolutions are forcing new to make payment on a debt that is not mine to begin and that I never received emergency service ambulance from any company they threatened to damage my credit despite the fact I send them information that I did have insurance so there is no way your were not paid for service if it were true I fax them the document but they end up sending to collection for something I am unaware or know about it on top I have health insurance. Amount is {$460.00} or emergency service that I never received or was sick. I dispute with XXXX  they still kept the collection while all other credit report agency XXXX XXXX and XXXX  removed the collection.

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 2023-08-15
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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 2022-03-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I am disputing a charge for {$260.00} that appeared on my USAA credit card for a purchase I did not make. I received no goods or services from the charge. The details of the transaction are included in a letter I sent to USAA dated XXXX XXXX, 2022. I have had numerous calls with USAA regarding resolution of this matter. Basically USAA is stating that either I or a family member did indeed use the card to make the purchase because the purchase was made using a chip card. I am stating that neither I nor a family member used the card to make the purchase for {$260.00}. I have spent several hours being shuffled back and forth between different USAA representatives, all to on avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 2023-04-11
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a member of Discover since XXXX. I have done a great job of paying on time and most of the time in full. During the XXXX congressionally declared national emergency I was experiencing financial difficulty as like many others and I called Discover and let them know. I presumed they offered resolution under the CARES acts They enrolled me in a payment program that lowered my interest rate to around 17 %, this was the only option offered to me as a relief during the pandemic. On XX/XX/XXXX I paid off my entire balance plus interest upon finally getting larger sums of monies rendering me able. AT NO TIME did they disclose that I could be Revoked and have my credit impacted negatively in an extreme manner, I have suffered damages for their actions even after being square on payments and in good standing a year or more. The only thing Discover said is they would temporarily suspend spending ability until I finished paying the balance under these terms to receive help during pandemic. Since then they Revoked my account causing my credit to drop XXXX points. They did not inform me that the account would be revoked, closed of impact my credit negatively especially after I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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:
None of the credit card companies I complained about in CFPB complaint numbers XXXX ( XXXX ) XXXX and XXXX ( Bank of America ) XXXX have provided me with copies of the documents the merchants submitted to the credit card companies relating to my disputes. As a cardholder who disputed charges related to said merchants, the cardholder has the right to view said documents and challenge their content as part of a discovery process, and to appeal credit card company decisions. This cardholders due process rights have been violated and as a consumers I deserve fair treatment. A consumers bill of rights which includes fair handling of credit card disputes is needed.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: OK
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:
Experian and XXXX  should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX  as well as the bureaus to remove this line item from my credit report however, I have not been successful.

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 2022-12-21
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a text message from Chime Bank ( my bank account ) stating that my phone on record had been changed to XXXX XXXX XXXX ( not my phone number ) and my email address had also been changed to an unknown address. I tried to notify Chime but I had been locked out due to the phone number and email change. By the time I was able to rectify and gain access again, {$1200.00} had been used to an unknown purchase ( XXXX XXXX ) in that amount. I told the bank that I did not make that payment and had to file a dispute that was denied a few days later. Yesterday XX/XX/2022 I re filed the dispute with Chime and am waiting for a response. The money that was taken was my direct deposit from the XXXX XXXX XXXX XXXX XXXX XXXX  that had come in on that exact date XX/XX/2022 I'm XXXX XXXX XXXX XXXX and need that money to pay bills, buy food, buy XXXX presents and to XXXX  until my next direct deposit, which I will be sending to another bank account. The same thing occurred on XX/XX/XXXX to me and {$1000.00} was taken from my Chime XXXX XXXX account. That was refunded by Chime a few days later. I really expected Chime to realize that the XX/XX/2022 theft would also be refunded. My suspicion is that the person/persons who did this is a Chime employee because they knew exactly what date my direct deposits came in. I live XXXX  and nobody else in the world knows that but myself and a Chime employee. Please advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 asked XXXX, transunion and XXXX to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.

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 2020-04-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I received my XXXX 1098 tax form from Flagstar Bank I observed 7 late fees of XXXX on the statement and called in XXXX and spoke with XXXX who opened a case. Today I called to check status and see if a refund could be issued as I went with another company with lower interest rates. I made my payments on time using bi monthly payments, however ; a previous payment was misapplied in which a full payment was made instead of going into a pending status so subsequent payments were then behind. In trying to resolve the late fees I was provided the accurate dates from XXXX at Flagstart Bank stating that the fees started on XX/XX/XXXX to XX/XX/XXXX in which a total of XXXX is the overage I was assessed due to a computer error from Flagstar Bank. Not sure why the late fees stopped as I made NO changes to how my payments were made from my bank to Flagstar Bank.

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 2019-06-21
Company: EQUIFAX, INC.
State: MD
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 inaccurate and unauthorized credit application on my equifax report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX  on XXXX XXXX 4- XXXX on XXXX XXXX as well as on my XXXX   report : 1- XXXX on XXXX XXXX 2- XXXX on XXXX XXXX 3- XXXX on XXXX XXXX 4- XXXX  XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XXXX XXXX 6- XXXX XXXX i worked out with XXXX and i informed with the inaccurate inquiries i fixed my XXXX report,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I closed and transferred my XXXX XXXX account to Capital One 's checking account. All of my funds are now in the hands of Capital One and they will not let me access my funds. This is causing serious problems for me and they have yet to resolve my issue. I've called multiple times and I keep getting transferred to a security desk where I'm only allowed to leave a voicemail. Nobody has even made an attempt to call me back. This needs to be resolved. I feel like Capital One has stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2022-12-21
Company: EQUIFAX, INC.
State: RI
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 asked XXXX, XXXX and Equifax to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Transunion is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Transunion consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Transunion on XX/XX/2022. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Transunion can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full 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 non-monetary relief
Consumer complaint received 2021-10-15
Company: Bread Financial 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:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account COMENITYBANK/ XXXX is reporting late ( XXXX and XX/XX/2020 ) as reported in my 3 Credit Bureaus XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NY
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 received a letter XXXX  from equifax in regards to my request for re-investigation sent off on XX/XX/2022 to remove an account that does not belong to me. Equifax has violated my rights to providing accurate reporting and proof of this account as mine nor did they provide anything. Credit reporting laws ensure that bureaus report only 100 % accurate credit information FCRA 611 ( a ) ( 6 ) and ( 7 ) and 15 U.S.C. Sec.1681i ( a ) states if proof is not provided the account disputed must be deleted. Equifax did not provide no documentations ( with my signature, ID, Agreement and ECT ) or evidence at all. as seen in the attachment. there was no effort put forth in this re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation

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 2020-04-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.

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 2022-12-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent account open on my name.

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 2020-04-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit Acceptance will not defer one payment and add to end of loan like every other auto loans will do.

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