BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-10-26
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5400.00}

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 2018-08-24
Company: ORG GC GP Buyer, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Name is XXXX XXXX. I am the holder of 5 Student Loan accts. the total payoff is approx. 41K, however the amounts that the loans total seems to be XXXX. This is due to late fees and penalties. ( Which is understood ) GC Services is the debt collector I am dealing with and am told they are in contract with the US Government to provide collection services and/or solutions for the borrower.

I initiated a phone call to determine what needed to be completed to consolidate all loans into 1, further asked if there was a program that I could enter to establish a path fwd, Discussion initiated ( XX/XX/2018 ) with GC services. I was informed " pending confirmation '' of my verbally stated Salary my payment would be $ XXXX/month for 9 months at which time I would have completed my REHAB requirements and have the ability to consolidate or XXX. 
In a follow up phone call ~2 weeks later I was informed that the offer presented on the last phone cal was not available anymore and I should start again. 
This XXXX XXXX XXXX practice of bait and switch has continually existed for the duration of my payments ( which I have made since XXXX or XXXX. 

Additionally I made a complaint with the department of education in XXXX concerning these practices and GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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 XXXX account # XXXX and XXXX XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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 2022-10-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 

USDOEXXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I received a letter from FBCS , Inc., stating that the company had purchased a debt I owed through XXXX XXXX XXXX XXXX. I paid off this debt on XX/XX/2022, as agreed. The amount I paid was smaller, but it was agreed upon by XXXX XXXX XXXX XXXX XXXX. I have sent a letter to FBCS , Inc. stating that I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 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 2022-11-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Citi Credit Card Co. To make a XXXX payment on the XXXX of XXXX. Then on the XXXX of XXXX I had received an email stating that my payment was coming up to please make a payment because my payment was returned. Next I asked them if they needed my routing number to make my payment and they told me no that they didn't need that information to make my payment. Then on the XXXX XXXX. Which was my original payment due date the amount of XXXX was taken out of my account as it states on my checking account with XXXX XXXX XXXX and 2 days later its not posted on my Citi Credit Card balance, and I talked to XXXX about this I told him I'm never late on any of my credit cards and I don't want to take a hit on my credit report by trying to make my payment. And they pushed my payment to the XXXX of XXXX. XXXX said he put in my complaint to his supervisor to try and get this issue resolved today. But could take up to the XXXX of XXXX.to have my XXXX put back on my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023 there was a XXXX charge made on XXXX followed by a XXXX charge. During that time I contacted Bank of America XXXX months in a row, the first month I was told the amount would be investigated and refunded within XXXX  days unless I heard otherwise. Bank of America informed me when I called back the following month that the investigation never took place and then I would have to refile the dispute, this is now XXXX  Days Later which is past their XXXX timeline that I was informed of on a recorded line indicating that I would be refunded in full unless informed otherwise, but due to their persistence that they did not plan to help me unless I otherwise filed a new complaint I proceeded to do so, they rejected that complaint promptly and failed to refund the total charges resulting in them assisting in unauthorized use which is a federal crime punishable by Hefty civil penalties for non-compliance. Additionally due to this refund never coming back to my account my bank account has had thousands of dollars in late fees and negative balances as I no longer have confidence in this bank 's ability to maintain compliance in a way that makes me feel comfortable using their services. I've followed up month over month resulting in no further help from their team and they insist they are not willing to help in any other way. In addition to further fees there willful non-compliance resulted in my eviction from my primary residence costing me and my family mental and financial distress since this occurred. I still have an outstanding balance from my primary residence that I was evicted of of {$16000.00} due to Bank of America 's aparent commitment to aiding fraud. at his point I hate the Bank as well as the entire United States banking system as a whole. What I am demanding at this time is to refund all of the late fees that have resulted since the initial transaction on XXXX XXXX  and refund both the {$4300.00} and {$13000.00} payment with interest and keep my account open. If you choose to do anything other than this I will have no choice but to file a civil Federal lawsuit for the damages of fraud, racketeering, willful non-compliance, obstruction of justice, breach of fiduciary duty and all of the associated Federal Reserve act civil penalties in addition to my legal fees, and demand for compensation in relocating. save us both our time by reimbursing the above charges and all late and negative account fees to avoid further action in federal court and additional claims through the FDIC and SEC.

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 2022-11-10
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This financial institution took money out of my checking account to offset my credit card, and closed all of my accounts with them. From what i understand they are not aloud to offset credit card debt like this.

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 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
It is unacceptable that BoA sent this XXXX XXXX person a letter containing my personal business when I do not know this person, the first time I have even seen this letter was in BoA 's last response, and I have never given BoA any permission to send anything to anyone but myself. You contacted a third party without my permission and this is the final straw. I also want to add that BoA has said nothing of the XXXX XXXX case regarding filing a XXXX and expecting someone to pay them back after forcing them to file this as income overruling what the IRS says, and I would also like to point out that BoA will not release the recordings because they prove my point. Also, if there was no other account with my name on it then tell me why I have a statement from this account, and I also like how you only added statements up until I was married, again skating around the issue that I am right. My lawyer for the XXXX case was XXXX XXXX of the XXXX XXXX and not the XXXX guy.

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
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 2022-11-10
Company: ECMC GROUP, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: SUNCOAST CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/90 days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has charged and attempted to collect a debt for {$440.00}. I have filed for identity theft with my attorney and this was a charge that was to be taken off the credit report. The report is closed, but not taken off. To be more specific, there are ( 2 ) charges for {$220.00} each totaling {$440.00}. Im submitting this report to have this account removed from my XXXX, XXXX, XXXX accounts.

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 2022-01-26
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was Central Portfolio Control and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, XXXX XXXX XXXX, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX by phone and no one answers, I tried chat.. no one answers. I've called the original creditor XXXX XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, 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:
I HAVE CONTACTED EQUIFAX AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE MEDICAL AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING MY MEDICAL RECORDS TO BE RELEASED THEREFORE THE COMPANIES WOULD BE IN COMPLETE VIOLATION OF HIPPA AND SO WOULD YOU. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I notified the bureaus that I Am a victim of identity theft

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 2023-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT IT WILL BE IN CONJUNCTION WITH A COMPLAINT : Michigan Department of Insurance and Financial Services Complaint File # : XXXX. 

It has come to my attention after Santander USA finally sent me an entire statement of all payments made that my down payment was not listed, not applied and not provided to them per the terms of my original contract. The amount of the down payment was {$3000.00} which is the same amount that Santander is stating that I owe to them at this time. The town payment was towards the loan amount principal balance NOT taxes titles and fees. Considering Santander USA is a predatory lender and has been sued with Michigan being part of that class action lawsuit it has impacted me directly. I am one of the consumers impacted directly and part of this lawsuit. 
https : //santandermultistateagsettlement.com/Home/portalid/0 The amount on my credit report should have been forgiven and the title should have been sent to me but it has not been. Furthermore, considering that they are a sub-prime predatory lender who can not provide me traceability on where {$3000.00} went or my original contract which has been requested multiple times in writing, the stat needs to be removed until those things are furnished.

Company response to consumer: Closed with explanation