BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am not the originator of the item below. It should not be on my credit report. 


XXXX XXXX XXXX XXXX {$1000.00} 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 2022-02-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : 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 2022-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries from XXXX  XXXX and 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 2021-07-01
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I finally looked at my credit report this XXXX to pay down my debts. I called XXXX about the duplicated charge for the same day posted to a debt collector and was told to call the agency which was evergreen professional recovery but that they would dispute the reports. there were three. one for XXXX dollars placed on XX/XX/2016, and two for XXXX dollars for the same day on XX/XX/2016. 

when I called evergreen they suddenly claimed I owed over XXXX dollars in medical debt from XXXX from XXXX not the XXXX on my XXXX  report. I had insurance at the time. she tried to lie to me about sending me the medical records from XXXX that show what procedures that money is from to get my address from me. I know creditors do not have access to information about procedures ive had or not had because it violates XXXX policy. 

furthermore XXXX sending me to collections instead of billing my insurance is predatory and seems to be a part of something they do on a regular basis. I am not the only person to have this experience. I have XXXX  and no job now and have XXXX charges or copay with this type of state insurance and somehow they are trying to take me to collections for recent things as well. it should be noted that in between XXXX and now I've had providence, as well as health share Oregon all under this same tier and umbrella of XXXX  and have never been charged for anything. XXXX would get paid the same if they took their charge disputes to XXXX instead of harming those under XXXX XXXX that have no money and no jobs and that's WHY they have 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 2020-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/20 an XXXX was sent to the account in the amount of {$89.00} and didn't display until XX/XX/20. This caused a double payment to be made on XX/XX/20. This was resolved with the merchant and Bank of America was informed of the pending return. Dispite this mistake the account displayed positive {$27.00} through to XX/XX/20, which was when I discovered the error and contacted the merchant. At the same time, and most crucially, a payment of {$140.00} finished processing from the day before. The next day on XX/XX/20 the account received a fee of {$35.00} post-dated for the XXXX that the completed payment was going to be returned because pending transactions, including the disputed {$89.00}, had overdrafted the account. I informed the bank of the discrepancy and was informed that they would be returning the fee because of the error ( the check or returning a payment on a positive account ). After the weekend ended I inquired about when the returns would be made as, because of new transactions for less than the returning amount, they were still overdrawing the account even factoring in deposits made to the account and the pending return. I was informed that they would not return the money until the next day, overdraft fees would still be assessed, and that now the return of the fee for account errors was being denied ( and now all responsibility was soundly not theirs so the promised return was based only on a whimsical " relationship voucher '' that I apparently no longer qualified for ). 

So I'm making the complaint for the mismanagement of the account, the fraudulent fee, and and future fees assessed on the account because the returns aren't being made on a timely manner. 

I'd also like to note that this is NOT the first time I've had to report this bank for mismanagement of my account and the payment being returned is the third time my bank has specifically targeted payments from that merchant, another bank, causing the account to go into collections on XX/XX/20 because of returned payments.

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 2017-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
Many inquiries on my credit report that were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX veteran who banks at Navy Federal Credit Union and I qualify under the federal mandate, Americans with Disability Act. In early XX/XX/2019, I tried to take out a second line of credit on my home. I was going to use a portion of these funds to help make my house more XXXX   accessible for my XXXX. Currently, my home setup exacerbates my health conditions. Over the next 3 months, I begin to see firsthand that the largest credit union in the United States, with over XXXX employees, the one that handles all our military and veteran banking needs is non-ADA compliant. From its website design, to their untrained employees, customer forms, directions and even their instructions all violate the XXXX XXXX XXXX that all business and public entities in the US must follow. The report that follows will show that Navy Federal Credit Union fails to adhere to the XXXX federal mandate. When finally confronted with the problem Navy Federal Credit Union then denies services and creates additional barriers to service, to eventually retaliation, where they locked me out of my account, keeping me from my Federally protected VA XXXX funds that I receive. Navy Federal Credit Union failed to trained their employees, nor hire a trained individual with XXXX expertise to ensure their companies compliance. By failing to do so, Navy Federal Credit Union has built an info structure that discriminates against people with XXXX. This should be alarming and troubling to every single American. The very people who are out their putting their lives on the line to protect and uphold the laws that govern the American people. These people who made the ultimate sacrifice and end up becoming injured because of their service to their country, these are the people Navy Federal Credit Union are exploiting and taking advantage of by not being XXXX compliant. With over XXXX employees hired to handle our Military and veteran Banking needs, they should be setting the standards in the banking industry and as a country we should demand it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NJ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: PA
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:
there was XXXX  opened for XXXX XXXX XXXX i nvere even seen the card used the card nothing i disputed it fraud several times XXXX XXXX telling me its mine it is not i XXXX  credit freeze on my account so there for it is not mine they refuse to remove the account also they keep XXXX reports 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
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX CO 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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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.

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 non-monetary relief
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-03-24
Company: Incomm Holdings Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Hello I have received a {$25.00} Vanilla Gift Card as a gift years ago. Considering the fact that money does not expire, I had no urgency to use it until recently. I now notice that there are multiple fraudelent transactions on my account. Please note, I researched Vanilla Gift Cards and I see many people are losing money with this company. There are multiple horrible reviews and stories on the consumbe reports. 
I have tried working with them on re imbursing the money that I feel like was stolen from me. 
I sent them a request on XXXX XXXX. Sent them another request and for an update on XX/XX/2022 and another one on XX/XX/2022 only to be ignored by them. 

This is absolutely unprofessional and unethical. I am not sure how this company is still allowed to sell gift cards. 

Please reimburse the money that was stole from me. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : MIDLAND FUNDING LLC # XXXX MIDLAND FUNDING LLC XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX, I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Continental Finance Company, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This company negligently allowed my credit card account ( ending XXXX ) data to be exposed to online criminals. Whereas the account was attacked and approximately {$700.00} USD was fraudulently charged. 
The card held a {$0.00} balance at the beginning of the year 2022 and fraudulent charges were made in the month of XXXX and continued into the month of XXXX. 
I notified the company 's fraud department of the incident and a new credit card was issued. However, after review of the card 's dashboard, fraudulent debt was transferred to the new account and additional fraudulent charges are present. 
At this time, company is refusing to allow me access to a detailed report of charges dating back to the beginning of the year- which would prove that fraudulent activities occurred. 
They are expecting payments on a current balance of {$350.00} So far, the company 's appears to be giving me runarounds and disconnecting calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Hello, XXXX, XXXX, & XXXX law firm and Capital One Bank are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to TN in XXXX from the state of NJ. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the NJ court system during a declared state of emergency in both NJ and TN. Upon figuring out what was going on, I attempted to call XXXX, XXXX, & XXXX to resolve the issue and they informed me that they would send the accounts back to Capital One, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a {$600.00} offer in the mail if I opened a new checking and savings account with Citizens Bank. The savings account offer was worth {$300.00} if I made one {$200.00} deposit each month for the next 3 months. When I signed up for the account on XX/XX/XXXX I was told I could make the {$200.00} deposit online when I got home, and that would count as the first of three deposits. I did this and then subsequently made the other deposits in XXXX and XX/XX/XXXX. I did not receive my savings account bonus for a few months and had already received my checking account bonus. I went into the branch multiple times and each time they said it would come the next month. In XXXX, after a few months of stating I was no longer interested in waiting, I filed a complain in-person in the branch stating that I never got my savings account bonus. I was told I would receive an update on the complaint in XXXX weeks. At the end of XXXX, I came into the branch asking for an update on the complaint. I was informed the bank had called me and told me the resolution. I never received a call or letter addressing the complaint. Additionally, the bankers told me they did not have details about the complaint other than that the bonus was properly denied. I asked them to escalate the complaint, at which point they did. In XX/XX/XXXX I received a letter from the Office of the Chairman stating my savings account bonus was declined since I only made 1 deposit in XXXX. This is untrue as XXXX {$200.00} deposits were made and are reflected in my account statements. I was informed through the letter that the first {$200.00} deposit must be made the month after the account was opened, which was contradictory to the information I received when opening the account. I only opened my account because of the bonuses. When I tried to contact the phone number listed on the 2nd complaint 's letter, I never heard a response. I called around 12 times between XX/XX/XXXX when I received the letter until today, XX/XX/XXXX. I left multiple voice messages with my name and contact number but never heard back. Today, I called the bank at their XXXX number and was told they could not do anything to assist me. 
I believe I was misled and deceived when opening my account and believe my complaints were not handled properly as the first I never heard the resolution until I went into the branch and the second I was unable to contact the bank for further questions at the number provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30
Company: Arcadia Holdings, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.

Company response to consumer: Closed with explanation