BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I have contacted chex systems before to get them to remove adverse information on my credit report and I have contacted them in writing and on the phone and to no avail they have refused to remove the information or at least give me the details of the derogatory info so I may correct it. I want my information with Chex Systems either deleted or removed due to lack of supporting info or documentation and zero response from their customer service department. Thank you.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a joint bank account with my wife, and we received authorized Unemployment benefit for my sister in law and authorized by her. The Bank has flagged suspected fraud and closed the account and never return the money us. We have visited few times to the branches and they have called to bank security department and promised us they money will be refunded soon with cashier check.

Later i have called many time to speak with bank security department to release this money, they also promised that the money will be refunded with cashier check.

after six month, we didn't received the money than we called again, finally they said they will not return this money because of third party payment. and I have explained them she is my sister in law living with us at same address, she authorized us to take her money into this account, if you want I can send her authorized letter to bank. but they said, let finished the investigation than we will release this money. 

But I was continually contacting with bank but no result or hope. Finally I was very upset than we try to open another account with bank but they denied also they have blocked open account with any other banks. 

I have provided and disputed many times with third-party documents but no favor comes to us and never refunded this money nor allowed to open an account. 

Finally, reporting this issue with CFPB to help us get this fund back and allows us open bank account.

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 2022-02-18
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance {$4900.00} XXXX XXXX-Balance {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was not valid. 
Received multiple " final statements '' from the creditor and they continue to report mis information* Originally owed a credit of over {$1700.00}. Then false additional statements were sent saying I owed. 
Thy are now reporting inaccurate information to credit bureau ruining my good standing credit rating. 
PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Zions Debt Holdings
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting this complaint to ZIONS DEBT HOLDINGS LL due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I just received a call from XXXX XXXX XXXX my case number is XXXX. They advised me that I have a collection for a debt through American Express that was issued in XXXX. I told them that I don't even recognize the debt and it occurred over 10 years ago. They stated that I have a court order document that they need to give to me. I told them that I don't accept it because that debt doesn't show up on my credit report. 
They told me that it was out of their hands now that XXXX, and she did not complete the name of the people who are trying to reach me. Where in persuit to delivering the documents to me. Even though I did not acknowledge my name or the debt. It's supposed to be on a recorded line. 

They called today XX/XX/XXXX at XXXXXXXX XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Nelnet, Inc.
State: AL
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 according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The below accounts do not belong to me, I have tried to contact the company and have gotten no where, these account are effecting me negatively XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7200.00} Payment {$360.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$5000.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1600.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00}

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 2018-08-18
Company: Experian Information Solutions Inc.
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:
I called Experian about inquires I do not recognize and I did not give authorization to. During the phone I was told that these are a statement of fact which they can not do anything about. 
I mailed a request disputing these same inquires and was told that these are a statement of facts again and they were not removed. 
I contacted XXXX and XXXX and had the inquiries removed due to the creditor not providing proof of having my authorization to access my credit file. 

The following inquires are the items I am disputing : Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX and XX/XX/XXXX a month apart! 
Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance XXXX {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX/XXXX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2022-05-29
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
They're was a negative balance from 2021 XXXX XXXX  card Due to false charges that could not be resolved I overdrafted XXXX to recover the over XXXX charges I got a control NetSpend card I was assured that this card would not be affected by the XXXX  XXXX card XXXX was transferred to the card by social security I withdrew XXXX from card and made a XXXX purchase at XXXX and XXXX purchase from XXXX XXXX attempted to reverse the charge Which would of left a balance of XXXX Four days of them telling me they would contact all access And have them remove my Previous debt I attempted to contact XXXX  XXXX  no number worked not on card not online They wanted me to give them a additional XXXX on top of the money they had taken They also told me that they would send me a check in the mail but do not offer to send it with a tracking number n I do not believe that they would send it Today I asked for the XXXX  XXXX number to get them to remove the block they informed me they were the people I would talk to concerning the block I'm facing XXXX  XX/XX/XXXX and stand to loosing everything I own due to they're actions I can not wait for ten working days to receive my check I have attempted to speak to social security and control supervisor I have all this on audio

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I noticed Fraud on my account about a week ago. I called the Fraud department at the bank and was told that a claim was being filed and that they would place the temporary funds in my account within 1 business day. That did not happen, I called the back 4 days later for them to tell me that the rep I spoke to did not file a claim but instead put a stop payment on the fraudulent charges. No, because that rep did not do what she was supposed to do I have multiple bills that have been declined and I have been charged late fees because I do not have access to my account or funds. And all they can say is they are sorry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, Select Portfolio Servicing Inc, sent a letter showing the lien holder had released any claim or lien on my mortgage # XXXX secured by my home at XXXX XXXX XXXX, XXXX, LA XXXX. I was not aware of this and continued to make my mortgage payments until I received a letter from the IRS auditing me for debt cancellation that I was unaware had been reported. I contacted Select Portfolio Servicing ( SPS ) to find out why they continued to collect my payment. I also requested that I be refunded those payments dating XX/XX/XXXX up until XX/XX/XXXX. This request was put in on XX/XX/XXXX at XXXX pm via XXXX, where I consented to record our conversation about this. On XX/XX/XXXX at XXXX pm I followed up to get an update and spoke with XXXX and said that the request is taking a little longer because they have to go back so far. On XX/XX/XXXX at XXXX on a recorded line, I spoke to XXXX and was informed that SPS will not be refunding me any of the payments they received after the debt was cancelled. At the age of XXXX, I feel like they have taken advantage of me and my level of understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: MN
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 XXXX XXXX Account # XXXX and # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; N/A? 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 is also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-02-16
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Visa credit card through my ENT XXXX XXXX issued through Elan Financial Services. I believe it was XX/XX/2022, when I received a notification of a fraud alert. The notification provided a case ID number XXXX and requested a call back at XXXX, a number that was different than any number on my card or on my statement documents. For this reason I was concerned that it might be a scam and did not call the number provided. I attempted to go on line to check for any unauthorized activity on the card only to receive an error message stating to try later or to call if problem continues. I tried to access several more times over the next few days. 

On XX/XX/2022, I attempted to use the card and it was declined. I then called the number provided on my card and was connected to the Fraud Alert Department. The representative was rude and condescending. I advised that since the number left in the message was different than the number on the card I was concerned that it might be a scam since scams are prevalent and I have previously had my identity stolen. She stated that I should know to always call the number on the card. She went on to question charges on the card asking : What is XXXX and why are there a number of transactions to them? 
Here is a charge to XXXX XXXX, did you buy something from XXXX XXXX? 
There is a charge to XXXX, what is XXXX? 

Her tone was aggressive and accusatory. These were not atypical transactions. They were transactions with vendors that I had previously done business with. 

I have had previous fraud alerts with other credit cards and they typically were for purchases that were made out of the area or were for items and amounts that were not typical of my spending pattern. With the nature of this call, the tone of the representative, and considering the transactions being questioned, I am concerned that I am being targeted for transactions that might suggest political views.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX XXXX DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : 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