BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00}

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 2023-01-22
Company: Happy Money, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -Acct # XXXX NOTICE OF DISPUTE To : Happy Money Inc XXXX XXXX XXXX XXXX XXXX XXXX a consumer, am notified Happy Money that I disputed this alleged debt pursuant to 15 USC 1692g. I REQUESTED THEY PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE THE COMPANY SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I inform them that they dont have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to them reporting information in my name to the consumer reporting agencies. 

They are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 

Im requesting that they provide me the Aggravated Value Of Purchase showing how much was paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR THEM TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT WAS PAID FOR THE DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

IVE SENT A WARNING! THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF THEY DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST THE COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account 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.

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 2023-06-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
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:
This bill is medical bill from XXXX XXXX  the new laws indicate no show on report. It appears the debit was obtained in XX/XX/23 with the deceit to appear as non medical bill and continue to show on report. I am requesting all medical bills be removed immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX  Proxy of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ( full account # not rendered to consumer upon requests ) Represented by Mandarich Law Group , LLP XXXX XXXX XXXX XXXX, IL XXXX Acct # xxxxxxx The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Demand for Validation and Proof of Claim ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

The above Law firm on behalf of the XXXX XXXX XXXX by proxy of XXXX  XXXX, failed to provide the requested and required information as outlined by consumer laws, when the respondent/consumer requested such by way of ( Verification of Debt Final Request ) sent to such XX/XX/XXXX of XXXX and signed for/delivered upon XX/XX/XXXX of XXXX. 

No response was received yet the represented and their law firm proceeded to file law suite against the respondent/ consumer. Notice of such was not made to respondent/ consumer until 20 days after lawsuit was filed, filed upon XX/XX/XXXX by fax, notice upon XX/XX/XXXX given to non-respondent/ consumer at personal residency. 

The above represented and representative law firm did eventually reply by mail to all requests but not until late XXXX of XXXX, their response documents were vague, and reputative of incomplete and unverified documentations. They fully failed to provided the true, full, and accurate account or accounts numbers, ( provided only redacted or partial ). They fully failed to be truthful or provide the full and unaltered amount of what they paid to obtain respondent/ consumer 's debit account. 

The above representative law firm also failed to fully, truthfully, or actually provide a full unedited or actual copy of the respondent/ consumer 's " wet ink '' signature upon an valid agreement between the collector and consumer/ respondent. Thus, these are just a few examples of the full failures to comply with lawful requests and lawful requirements under the Federal and Local level consumer protections acts. 

Yet the above law representative of these collection agencies and agents still pursue lawsuit claims and unfair credit reporting tactics, reclaiming the old account as an active account on a monthly basis upon the consumer/ respondent 's credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
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 explanation
Consumer complaint received 2023-01-22
Company: TrueAccord Corp.
State: GA
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:
On XX/XX/2023 I sent True accord received a cease and desist letter from me instructing them to cease all communication with me which includes emails, letters, phone calls etc..I also sent them an invoice for {$3000.00} for 3 Fair Debt Collections Practices Act violations. On XX/XX/2023 at XXXX True accord contacted me after they had received my cease and desist which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

They contacted me for a reason outside of these 3 reasons which is a violation also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
Paypal Credit sent me a letter stating I have an account with them and that they were changing the terms of the agreement. I called to notify them that I have never had an account with PayPal Credit and they said since I received the letter I do, but, even though I provided them with the last 4 of my social, DOB, address listed on the letter and the digits of the account listed on the letter they could not find my account. They just kept telling that I do have an account, but they just can't find it. He said only their back office could research it, but I couldn't talk to them and he basically said he couldn't help and to mail the letter back, at my cost and time, and write the words, " Close Account ''. He then abruptly ended the call since he said he couldn't help me. 

This is very frustrating, I have never received a letter from them, ever. I verified that the number I was calling was legitimate. They should not be in the business of notifying people that they have an account, but then tell people that they can't find their account, with Address, Name, last 4 SSN, DOB, and reference number from their letter! I request your assistance with this company to help me resolve this issue.

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 2023-10-12
Company: Georgia Student Finance Authority
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Spoke to XXXX XXXX XXXX a couple of times, beginning on XX/XX/XXXX, regarding the status of my student loan accounts with the Georgia Student Finance Commission. I asked him why are they being reported as delinquent when I am currently a graduate student at XXXX XXXX University, and the in-school status was made available to all of my student loan servicers. I knew this because I called the XXXX XXXX University Financial Aid office to confirm. I also wanted to know how the accounts went from being current in the month of XX/XX/XXXX and then sixty days late in XX/XX/XXXX, which is the status indicated on all of my credit profiles. Lastly, I wanted to know why are the accounts going through status changes when student loans were paused on the COVID-19 Rescue Act beginning on XX/XX/XXXX, and lasting until XX/XX/XXXX. 

I was advised to set up a payment arrangement and make six consecutive on-time payments of {$460.00} per month under their Rehabilitation Program and at the conclusion of those successful six payments they would place the accounts back in a current status. This company has an in-school deferment policy, that they refuse to follow, as well as the national presidential order that was made active under the COVID-19 Rescue Act. As a result, they have seriously diminished my credit standings with the credit bureaus and my revolving credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I logged into my Capital One Account and noticed that the company closed two of my account with Open balances. I called the company and they advised me that they closed my account due to usage violations that are against Capital One 's Customer Agreement. I called them and explained that the adverse action they took against me violates my rights Under The Equal Credit Opportunity Act Section 1002.5 ( a ) ( c ). This states that IN THE ABSENCE OF EVIDENCE OF THE APPLICATS INABILITY OR UNWILLINGESS TO REPAY, they can deny me an extension of my credit. I have provided proof and documentation that shows I have never been late or missed a payment. Capital One also violated The Equal Credit Opp. Act Section 1002.5 ( a ). I requested my Credit Card Terms & Agreement Via internet Also by phone and was denied access. Capital One is in Violation of the Truth in Lending Act 15 USC 1602 K. Capital One never gave me adequate notice of the pertinent fact of the agreement that are clear a conspicuous and because of their failure to do so I couldn't understand its meaning. Capital One is in Violation of the Truth in Lending Act 15 USC 1601 ( a ). Informed use of credit. Capital One Failed to send a disclosure document that informed me of the cost of credit. Capital One is in Violation of The Truth in Lending Act 15 USC 1602 ( p ). I have not benefitted from this transaction with Capital One in any way. I have provided Proof of all claims and seek remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
In XX/XX/XXXX, we booked a XXXX hotel through XXXX for a stay in XX/XX/XXXX. We paid in full at this time. We stayed at the hotel and after our trip we were charged {$1700.00}. We should not have been charged anything at this point as we had already paid in full. I called XXXX and had them investigate and they found no record of this transaction anywhere in their system. I have spent the last 12 months trying to work with US Bank to resolve this charge and they have been entirely unhelpful. Numerous times they told us they have sent out paperwork for us to fill out and return. We never received anything in the mail from them. Finally in XX/XX/XXXX, I found out what paperwork they needed and immediately sent it in. I called a week later to check that they got it, and it was confirmed that they had received the paperwork. Then next thing I hear back is in XX/XX/XXXX claiming that too much time has passed to resolve this charge. Meaning that they sat on this case, while possessing everything they needed to resolve it, for three months and did nothing with it.

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 2019-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time Capital One Auto and Capital One Credit Card put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX 2.XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I opened up a BMO Relationship Checking account. The account opening was successful, and I was able to create an online username/password. I was able to successfully log in and see my account number. To open, I was required to deposit {$25.00}, which I instantly did. 

On XX/XX/XXXX, I was able to log in to my online account, but my Relationship Checking account had disappeared. I called IT support, and they said they could not find my account ( I unfortunately forgot to write down my account number on XX/XX/XXXX ). I was able to confirm with the applications team that my account was successfully opened, and that I needed to wait XXXX business days to get it processed and for it to reappear online. 

On XX/XX/XXXX, I was no longer able to log in to my online account. It said that I had the wrong username/ password, and when I tried to reset with my social security number and email, it said that the information didn't match. 

On XX/XX/XXXX, I went into my local XXXX branch. The XXXX representative could not find the account in her system, but she was able to call in to the same applications team from XX/XX/XXXX. They told her that there was some technical issue that was causing problems, and that they could not release my account number. The BMO representative told me to wait another XXXX days to see if the technical issue had been resolved. 

The following week, I received XXXX letters in the mail. The first was to activate my debit card, and the second was an account statement for the period between XXXX, which confirmed my {$25.00}. On the statement, I received my full account number. I was unable to activate my debit card via the automated phone line, and was transferred to a representative, who then told me to go into the branch to resolve the issue. 

On XX/XX/XXXX, I made another trip to the BMO branch with these XXXX documents in hand. Still, the BMO representative could not find my account, and the BMO representative called their back office. The back office instructed her to create a work request internally to get a resolution to this issue, and that they would investigate and get back to her within XXXX business days. 

I am writing to you today, on XX/XX/XXXX, still unable to log in online, with no access to my account or debit card. The BMO representative never contacted me, and it has been over a month with no access to my account, nor the funds inside.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Money was stolen out of my account back in XXXX to XXXX and I told them about the problem but they never did anything about it telling me that its going to be fixed by a bank manager higher up in corporate office but its XXXX and Im still dealing with the same issue. All the money I was making during the time working at chick fil a and was being took out my account like someone else had access to my account. This bank name was Wells Fargo. I was young at that time and I didnt have any help in getting my money when I first started working at XXXX XXXX XXXX in XXXX, but now that Im older I can get the help and representation I need to get my funds back.

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: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in proof via XXXX proving the violation of my consumers rights via ; affidavit of truth, corrected presentment, and debt validation/ cease and decease letters. Midland credit still proceeded to contact me via email after i have unsubscribed multiple times and not once ever opting into their mail list in the first place. I sent specific instructions on how to contact me via XXXX only, but they have proceed to disobey the instructions provided.

Company response to consumer: Closed with explanation