BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score is suffering greatly because of a collections that was put on my credit report for {$950.00} for an emergency room visit at XXXX XXXX XXXX. While I did visit the emergency room, I had a medical insurance ( charity care ) from XXXX XXXX, which completely covered the visit. Despite this fact, I found a collection on my credit report, filed by XXXX, in XXXX for the amount of {$950.00}. I filed a dispute against this fraudulent claim in XXXX, XXXXXXXX XXXX. I also contacted XXXXXXXX XXXX  Billing department, and was told that the problem would be dealt with. As it disappeared from my report, I thought this was completely dealt with. However, sometime this year it was put up again by a different collection agency ( Wakefield ), and I am back to trying to get it off a second time. In the mean time, my credit score has decreased over XXXX points because of this collections. Any assistance you can provide in removing this permanently would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by XXXX XXXX County Tax authority that my Homeowners taxes were past due in the end of XXXX. I immediately notified my bank ( Flagstar ) of the problem since funds for taxes were in Escrow and should have been paid by Flagstar. The bank informed me that they would research the problem and issue a payment to my tax authority within 10 days. After more than 10 days, a tax payment was issued and deducted from my escrow account on or about XX/XX/XXXX. That tax payment was rejected by the county since the funds were not sent in a certified manner as the county requires for delinquent taxes. On XX/XX/XXXX a second amount was deducted from my Escrow account by Flagstar in order to pay my taxes with certified funds as the county requires. This caused my escrow account to go negative. Within several days, the original amount that had been deducted was refunded to my escrow account. By XX/XX/XXXX, my county tax authority had still not received the second check of certified funds which were supposed to be overnight-ed on XX/XX/XXXX. I was provided a tracking number for the check from XXXX. This tracking number was created but never activated according to the XXXX  tracking service. On XX/XX/XXXX, I paid my homeowners ' taxes directly in order to prevent a tax certificate from being issued for my property. I provided proof of this payment in duplicate to Flagstar as they required. As of the time of this writing ( XX/XX/XXXX ), I have still not had the original amount of the taxes that I paid refunded to my Escrow Account ( more than {$3700.00} ) by Flagstar. This amount must be refunded before the bank will run a new escrow analysis and send me a check for the difference so that I can be made whole for the more than {$4000.00} ( Including late penalties ) that I paid out of pocket to satisfy my tax requirement.

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 2022-09-24
Company: Experian Information Solutions Inc.
State: FL
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  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand 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 explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are Multiple accounts on my credit report that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I checked my report and saw several unauthorized inquiries. These are not my inquiries and I need assistance in their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Fidelity National Information Services, Inc. (FNIS)
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:
recently found out an account was being reported as charged off with XXXX XXXX XXXX XXXX. I have never opened said account and it was Fruad.

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 2022-05-02
Company: Rent Recovery Solutions
State: MI
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:
This fraudulent account has already been removed off ALL consumer reports back in XX/XX/XXXX and was illegally reinserted on consumer reports on XX/XX/XXXX. Pursuant to 15 USC 1681i ( b ) ( ii ) no consumers were notified no later than 5 business days after reinsertion this is well over 5 business days. This is a fraudulent account and has been deleted from all consumer reports before, therefor this is inaccurate reporting to the consumer report agencies and your company Rent Recovery is willfully performing identity theft, and violating my consumer rights by furnishing this account to the consumer reporting agencies. 

I have attempted to resolve this matter by mail in which your company signed this document, and ignored my request and correspondence. Delete this account immediately, cease and desist all forms communication through any and all mediums, and terminate further alleged debt collection efforts. Furnishing deceptive forms on my behalf as the consumer is in fact violation of FDCPA, and is considered communication with the consumer when notified to cease by the consumer. This is my FINAL time invoking my specified remedies as the consumer pursuant to 15 USC 1692c ( c ) ( 2 ) before I seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Netspend All-Access has a hold on my money in my checking account. I get XXXX  XXXX deposited once a month and have been having this deposit for years with Netspend. This month i went to withdraw my funds that were deposited and Netspend would not allow me to have my money stating I owed money on other accounts. I do not have knowledge of other accounts. They could not tell me anything about these accounts other than they had high negative balances and they were not giving me my money until I paid off those accounts. I can not get them to investigate those other accounts, I can't get any information regarding these other accounts. I'm XXXX and that money is the only money I have to live on, i purchase my medications for my illnesses, i see my doctor, pay my rent and utilities and pay my car payment. Everything is due right now and i can't pay anyone because Netspend will not let me have access to my money. This started XX/XX/2022. I will lose my electricity, my car will be past due, i will lose my insurance, phone, and most of all, i can't see my doctor on Tuesday and get my monthly medications which I must have. They simply will not help resolve this issue. I feel it is fraudulent because I do not owe any money to them and if they are a prepaid company, how is it anyone could even owe money. They will not help me.

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 2023-02-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only XXXX XXXX XXXX. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
-JPMCB Card for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Account information incorrect

Complaint:
On XX/XX/23, I started disputing the account being reported by XXXX XXXX. It always came back as " verified ''. I then went to the company directly and they sent me a response that also stated the account was " verified '' However, I do not believe neither the company or the credit bureaus did an accurate investigation of the account, because the account balance is being reported inaccurately by TransUnion, XXXX, and XXXX. I already submitted a complaint against XXXX but now I want to submit a complaint against TransUnion and XXXX. How can one bureau report a balance of {$11000.00} and the others a balance of {$11000.00}? I have yet to receive any type of response other than verified.

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 2023-07-06
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. 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 an 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 2022-01-18
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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 2022-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Due to Fraudulent acitivity on my account Capital One shut my card down. As a result of Fraudulent Activity When I asked them to send me a new replacement Credit Card I was told I have to faq over a copy of my State ID.Card to prove that I am that I say I am, but when I applied for the card they nevernasked me fir my ID then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: NC
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 inquiries and a inaccurate address on my credit report. I have sent two dispute letters and waited over 45 days but they have ignored my letters and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-09-25
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
XXXX XXXX deposit made on timeshare {$12000.00} XXXX XXXX canceled the purchase by registered letter / and email within the applicable time. 
XXXX XXXX acknowledges email XXXX XXXX they want me to agree to fees that are not part of the timeshare purchase, I never agreed because it was not part of the purchase. 
No Credit was given XX/XX/2021 Requested Barclays Bank Delaware dispute the charge asked for credit for a full refund. 
Barclays Bank Delaware never responds to my dispute claim I called several times and they gave me a case number Barclays Bank Delaware never gives any written explanation of the creditors determination Barclays Bank Delaware puts the credit card account in collections XXXX XXXX requested relevant documents in the determination of the dispute. 

There was a second credit card used for the same transaction we also put that in dispute which was resolved by the credit issuer in our favor for the full amount charged. A credit was issued. 
It was the same purchase identical letters were sent and only one card was resolved. An application for credit was given to me at the resort and Barclays Bank Delaware ( RCI card ) favored the resort. Never responded to my request for a refund. Did not respond within 30 days. They never sent a determination. Nor did they resolve it within 90 days.

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 2023-06-29
Company: Certegy Holdings, LLC
State: MN
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:
Attached is a letter from XXXX XXXX a Notice of XXXX XXXX of my personal information. The following transaction information listed on my XXXX File Report Tracking Number : XXXX is not my transaction information and is the result of the data breach and identity theft : XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XX/XX/2023, XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XX/XX/2023

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 2022-07-25
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has clearly violated my rights! 
15 USC 1692b Acquisition of location.

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692c ( a ) Communication in connection with debt collection Without prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt- 15 USC 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( causing XXXX XXXX with the constant call and threats of litigation ) 15 USC 1681 Section 604a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions ( EXPERIAN, XXXX, and XXXX was not given instructions from me, the consumer, to furnish my account ) 15 USC 1681 section 604 a. States i have the right to privacy. ( Something that has clearly been violated ) Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation