BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: KEYCORP
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company Key Bank is reporting accounts that are past the statute of limitations on my credit file and many duplicate accounts. I have disputed and nothing has been done about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid a leasing fee to a rental agency for an apartment. However, due to a XXXX job loss, I couldn't move in. I immediately informed the agency, resulting in the cancellation of my lease agreement. 

At that point, the agency did not refund my deposit. Several months later, on an unspecified date, I unexpectedly received a deposit refund from the company without any explanation. 

However, it wasn't until XX/XX/XXXX, almost XXXX years later, that the debt XXXX contacted me, asserting that I owe money. Interestingly, they had initially contacted XXXX XXXX, not me, back on XX/XX/XXXX. 

This raises concerns because they did not attempt to make contact with me until XX/XX/XXXX. This delay in notification, along with the absence of a validation notice, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). These laws require a debt collector to provide a validation notice within XXXX days of their initial contact regarding a debt. 

Moreover, it's important to note that on XX/XX/XXXX, before providing me with any validation notice, they reported this debt to the credit bureaus. This sequence of events has raised questions about the legality of their actions and the validity of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}

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 explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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.

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 2023-07-25
Company: Self Financial Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I downloaded the App Self with the intent of having them help me raise my credit score. I did everything they asked of me and paid the XXXX fee to make the transaction happen. After they took my money, a week later theyre saying they cant verify who I am. 

Now if you cant verify who I am then thats fine but they didnt return the XXXX dollars they took from me. Does this make any sense?? You cant verify who I am but you can take my money??? 

I asked them to refund the the money asap but they continue to say its non refundable which makes no sense as they didnt do what I paid for them to do. 

I either want them to honor our agreement or refund my money. Anything other than that is fraud. 

Thank you for your help with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : 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 2021-06-05
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened up my Regions bank checking account in XXXX GA on XX/XX/2021 and everything was fine, the minute I went down south on a job assignment for the XXXX  for a few days and deposited XXXX $ into my Regions account yesterday afternoon on Friday XXXX, one of the employees fraudulently called in and posed as me and had my account frozen for NO reason. It was discrimination. They asked me what was my business in South Carolina and I told them I was on A XXXX XXXX XXXX and they waited 24 hours then froze the account Saturday morning XXXX. They faked a call from me to the help desk and had it frozen for no reason.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

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 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my debit card was declined at the grocery store in spite of the fact I have {$2800.00} in the account. I thought there was an error with the machine. My card was declined again at the train station at XXXX. I called Bank of America on XXXX, XX/XX/XXXX and was told for the first time that my account had been closed for " business decisions. '' I asked how I could withdraw my funds and was told I can not because they've locked my account upon closure. I asked when I was notified if at all of this decision and they said they put a letter in the mail to me on XX/XX/XXXX -- the same day that they closed the account. This closure came without any notice to me and now I have no access to my checking or savings account with Bank of America. I appealed the company to unlock the funds so that I can survive, but I have been told the process takes several days and may be denied at which point my own money will be sent to me on XX/XX/XXXX. Meanwhile, the credit card I have through Bank of America will continue to accrue interest and late fees even though I have no way of settling the bill because the bank itself has frozen my assets. I have never overdrawn the account, I am in good standing, and for no reason at all, Bank of America is holding my own money 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 monetary relief
Consumer complaint received 2023-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company was asked for a debt validation and there response was simply to mail me a copy of the billing statement from XXXX. which they are not XXXX, they can not prove I entered into a legally binding contract with them for this debt. Billing statement from XXXX do not constitute a legally hand written sign contract by me. also they call my personal cell phone daily, despite my phone number being registered with the national do not call registry. I also filed a complaint on that site as well. they have emailed my email which is also on the do not call registry. They have listed this account as a debt on all three of my credit reports and say I must pay this debt that is not theirs. they claim that XX/XX/XXXX of 2022 the account was transferred to them. however I never gave them permission to attain or access all of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX  XXXX Not my account it was opened fraudulent under my name never received card shouldn't be on my credit report call company to delete it an sent in proof but it'd still on my credit file

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 2023-02-06
Company: EQUIFAX, INC.
State: CA
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:
On XXXX I notified Equifax regarding the tradeline XXXX XXXX XXXXXXXX. I sent in proof from XXXX dated XX/XX/ ( please see attached letter ). Per XXXX, the account was deleted however, Equifax did not remove the entry like they were supposed to, per creditor. They only updated my credit report. The account has already been deleted from XXXX XXXX and XXXX as promised by XXXX. 

On XXXX  I disputed the tradeline XXXX XXXX XXXXXXXX. I have sent several dispute letters disputing the accuracy of the last payment made and the balance. ( See attached dispute letters ) Equifax always replied back to me with letters stating that the information had been verified and was accurate. I sent Equifax a letter from the creditor proving that the last payment made, and balance in which they were reporting were inaccurate and false. Equifax ignored that letter as well and just simply updated their records and DID NOT DELETE THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CIBC BANCORP USA INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I received the check from Bancorp bank the balance of my achieve prepaid card balance. I received this initial check from them back in XXXX of 2022. I tried XXXX, Check cashing entities and got no where. I sent the check back and they reissued another check. I tried to deposit the check in my XXXX prepaid card account and they declined it with no explanation. I have called them several times and have gotten no answer of why they wont cash the check. This process has been almost a year!! I need my money the check is for {$2100.00}. I need the money and the money belongs to me. I don't want to have to send the check back again.!! Please help me get some resolution to this issue as I have bills to pay and its rightfully my money. XXXX  is also a Bancorp entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
See document attached

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the erroneous accounts that I need you to fix and correct as soon as possible : XXXX XXXX XXXX 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified but the incorrect information has not been updated.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After disputing a medical collection through TransUnion, XXXX and XXXX I received a debt validation letter from XXXX XXXX XXXX. The letter includes my treatment information and charges, my symptoms, my vital signs and more information about my health which is a violation of my privacy under 15 USC 1681 ( A ) ( 4 ) and includes multiple HIPAA violations. I have filed a complaint with HIPAA ( see attachments ) and now I am filing a complaint with the CFPB. This information should not be shared with a debt collector and therefor makes this debt invald and illegal.

Company response to consumer: In progress
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2023-02-28
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I was contacted by American Express 's high alert security department about an application in my name for Blue Cash Preferred from American Express. When I followed up with them and told them I never submitted said application, I was informed that someone must have my Social Security number because they used it for this application. 
I'm following up as much as possible, so I don't become a victim of identity theft. Please take every measure on your end to help me and please let me know what else I can do to protect myself from identity theft in this case and in general. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: WELLS FARGO & COMPANY
State: MD
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:
Good Morning, I would like to formally make a compliant with XXXX XXXX and Wells Fargo Bank. I placed a card on file on my XXXX account which has been deducting various transactions without my authorization. I contacted XXXX and they referred me to my bank. I filed a claim to my Wells Fargo bank and they mentioned that I gave authorization to XXXX. I did not give authorization to XXXX nor Wells Fargo to make these deductions. Please instruct me on how I can move forward.

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 2023-06-02
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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}

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