BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have provided an FTC report to TransUnion in the last 30 days for an account to be removed due to fraud. TransUnion has refused to process the report citing that the creditor indicated the information was accurate, which it is not. TransUnion also indicated that the FTC report did not meet its internal guidelines, on which a second FTC report was filed. At this point, TransUnion has indicated it simply relies on the creditors information and give no deference or weight to the current FTC report that has been filed per TransUnion 's instruction. Per the FCRA, the account must be removed via the FTC report. See Sessa vs, TransUnion Case No. 7:19 -cv-9914

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 2017-03-31
Company: KEYCORP
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hello In XX/XX/XXXX I lost my XXXX ins, I called key bank and explain, I fell behind by a month in a half. However I have paid since every month XXXX. I have asked if they could remove the late fees XXXX I was told by key bank to pay XXXX and then XXXX every month after. However every month they charged late fees and continue to make the min balance unaffordable for me to pay, when I called they said the agent made a mistake telling me that then called and was told to filled out a loss mitigation form, the first one they sent was for a mortgage. I called back then they sent a letter and asked me for documents from bank statements to my help with social services tax returns, etc I was told I had to XX/XX/XXXX. I faxed every thing on XX/XX/XXXX. I then called Key credit card and was told they received everything except my rent receipt. I mention to them I do not rent and I sent my mortgage statement from XXXX. The rep said she will email them and let them know I was not missing anything. On XX/XX/XXXX I received a letter from Key stating that because they did not receive required documents so they will not consider my request, I then called and spoke to XXXX, i was upset and informed him that I did n't understand why they said they did not all documents when I have a confirm fax which was faxed from Key bank and all conversations are recorded and I was told by the rep that indeed everything was sent in time, Then XXXX said to resubmit information and was very cross with me. I then once again faxed everything XX/XX/XXXX I have the confirmation as it was faxed from key bank. I spent 4 hours on XX/XX/XXXX with Key bank and finally spoke to a supervisor XXXX, who then said I was missing a rent receipt once again I had to explain I sent in my Mortgage statement. Then she told me well we have no program. I asked then why did Key say they would try to help me and have me fax over all my personal information. I have other credit cards and each and every card worked with me in a hardship by waving the late fees. I have paid Key Bank every month XXXX.however they continue to add XXXX every month and double the min payments. it is disgraceful as I continue to have serious health problems and am not able to work, yet I am still trying to be responsible with the help of my children. Quite frankly it feel like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2021-08-11
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This past XX/XX/2021, I was forced to file a complaint against Banco Popular de Puerto Rico in relation to a mortgage loan. In short, the bank miscalculated the monthly payment amount and refused to correct it despite my best efforts to get them to do so. In the meantime, I continued to make the payments as indicated by the bank despite having informed them that the amounts billed were incorrect and after having to file a complaint with CFPB because of it. 

On XX/XX/2021, Banco Popular 's XXXX XXXX XXXX XXXX, Escrow Analysis Supervisor, Mortgage Servicing Division, replied to the complaint indicating, among other things : " We apologize for any inconvenience this situation may have caused you and trust that this response addresses the issues presented in your complaint. BPPR carefully reviewed your allegations, as well as its own records, and determined to reimburse the amount of {$570.00} related to payments you completed in XXXX and XXXX associated to your mortgage insurance. [ ... ] We trust that the preceding response addresses the issue presented in the referenced complaint. Should you have any further questions, please do not hesitate to contact the Escrow Administration department at ( XXXX ) XXXX. '' ( See copy of BPPR 's response attached. ) Based on the said response I, in turn, indicated that, subject to verifying receipt of the reimbursement check, I was satisfied with the same. The complaint was closed. 

Since then, 34 days have passed and I have not received the reimbursement check. I tried reaching Ms. XXXX XXXX XXXX XXXX at the number provided in her response but it turns out that number is for a fax machine at the bank that no one answers. The number provided is a " dead end ''. After much time and effort navigating through customer service and even the legal division and executive offices of the bank, I was able to leave a message for Ms. XXXX and she eventually called me back. She indicated she does not know what happened and that she suspects the check got lost. 

However, during that same time I have timely received notice of the payment due on the mortgage at the same address listed for the account and to which the check should have been and was allegedly addressed. ( See attached. ) I am yet again forced to file a complaint due to the bank 's inaction and obstinate refusal to address and correct their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being suited for a debt that is not mine. No member of my family has be treated for any injuries or any medical care at all, outside of an XXXXXXXX XXXX XXXX XXXX. Due to my medical insurance at the time being XXXX, and their in network providers being XXXX explusively. 

According to the complaint on XX/XX/XXXX. I had taken one of my children to be treated at XXXX XXXX XXXX in XXXX Utah. Resulting in a medical charge for a {$720.00}. During this same time I was working for XX/XX/XXXX for theXX/XX/XXXX I was posted at the XXXX XXXX XXXX XXXX, and I was at my post on this same day for 16 hours. During the time the treatment at the hospital supposedly happend. 

I also had the only vehilce we owned with me at work. There was no way for any member of my family to go anywhere without help. Their only way to get to the hospital was to go by ambulence. There is no ambulance charge. This treatment did not happen. This is a zombie account, or faults charges being made. 

The first time on found out about this debt was on XX/XX/XXXX, at XXXXXX/XX/XXXX, I received a summons and complaint that was hand delevered to my front door. 

Prepared by XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX UT, XXXX. ( XXXX ) On behalf of Mountain Land Collections, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. ( XXXX ) XXXX ) The claimed total amount I am being suit for is {$1000.00} including {$180.00} for interest, {$130.00} for Estimated court cost 's, and the original amount of {$720.00}. for a total of {$1000.00}. I am not responsible for this debt. 

On XX/XX/XXXX I prepared an answer and mailed it back through USPS. Well withen the 10 days given on the Summons. I waited 14 days after the answer was sent and called the Fourth District Court Of Utah, in XXXX XXXX, XXXX XXXX XXXX. XXXX. ( XXXX ) XXXX. 

I was told by the clerck I spoke to they had recevied their copy of the answer. I then called XXXX XXXX XXXX Attorney for Plaintiff, and was told by the recepctionist they had not received thier copy of the answer. I obtained emails address from both the attorney and the court 's and emailed the answer a second time on XX/XX/XXXX. 

A court date is scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX Hopefully to resovle this issues finally. The debt is not mine, I strongly belived it was faultsly created. Any assistance resolving this is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. 
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 2023-02-13
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Was provided wrong account number by member service at chime bank and so all my unemployment went to wrong account well didnt find out until I was mailed a form to file taxes got this info to chime non of the payment were sent back or anything was told they would treat the error as a dispute and I would get credit if the investigation wasnt completed by XXXX so the tenth comes and still havent completed investigation but dnt want to follow XXXX either and give me my credit have yet set me any reply back to the situation and has given me the run around on everything fell to provide me proper documentation to file and everything I feel like they are doing what ever they want and not following banking guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXXY XX/XX/2019 for XXXX, XXXX XXXXXXXX XXXX, INC.ON XXXX XXXX FOR {$1700.00} THIS IS A HIPPA VIOLATION, I HAVE NOT GAVE THIS COMPANY TO RELEASE MY PERSONAL INFORMATION ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
permission. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2021-08-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have three mortgages with Mr. Cooper / Nationstar. When I make my payments I mail a payment coupon and a corresponding check with the account number clearly written in the memo section of my check. I submit all three checks in the same envelope. Because Mr. Cooper / Nationstar Mortgage has such poor accounting practices they misapplied one of my mortgage payments. They credited one account twice and neglected to apply a payment to one of my other accounts. Now they are saying I am in default and have blemished my credit with multiple 30 day late payment reportings. 

I contacted Mr. Cooper / Nationstar Mortgage and the service representative told me I needed to submit my payments in separate envelopes in the future and there was nothing they could do about my past payments and demanded I make additional payments to bring the account current or they were going to foreclose on me. Then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This apartment complex in XXXX that my Ex- Girlfriend was living in. She Apparently moved out after investigating after the debt calls. 

Debt collector was calling me saying I owed money and only thing they had was my name and random addresses I have never heard of. 

I said send me the information but I don't have those addresses. I have owned a house in XXXX for the past three years that i just sold XXXX of XXXX. 


I'm not sure what has happened. I do not owe this debt nor ever lived at this place. They don't have any of my correct information. 

I have no Documents regarding this other than a few phone calls I ended up hanging up on and when this popped up on my credit report through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charges for air travel with XXXX XXXX were billed to my account. XXXX was round trip New York to Florida to XXXX XXXX. I did not make those charges and have never used XXXX air. Have never been in Florida or XXXX XXXX. Credit card company ( USAA ) states that merchant has provided evidence that supports that I made the charges but has not provided that information to me despite several requests. There were 3 charges. XX/XX/2022 for {$840.00} and {$920.00}. Neither was reported to me as a possible fraudulent charge by USAA. Customer service at USAA told me that the threshold for notifying me for a possible fraudulent use of my card is {$1000.00} but they have notified me in the past for amounts much less than that. A third on XX/XX/XXXX was for {$1200.00} and was reported to me by USAA that night. I told them it was a fraudulent charge. I also told them that the XXXX charges were fraudulent the next day when I discovered them on my online statement. That credit card has been terminated and new ones issued. I have placed a credit freeze with the three main credit agencies and have filed complaints with my local police department, the FTC, and the Wisconsin XXXX XXXX XXXX XXXX. I have changed passwords on my various financial accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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:
On XX/XX/XXXX I received a notification from the credit bureaus Experian in regards to a unknown collection account from XXXX XXXX  in the amount of {$410.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation in XXXX and to send my a signed contract with my signature and the agent disconnected the call. I called back and requested documents from another agent and was told they would send them but never did. Its been 7 months and the fraudulent account still shows disputed by consumer on my credit file. XXXX XXXX  purchased this fraudulent account XX/XX/XXXX and never contacted me before reporting to my credit and just reported it on my credit file again XX/XX/XXXX but have yet to send debt validation. XXXX XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted and reinserted without my knowledge as well and has been reinserted a XXXX time without my knowledge or verification of this debt. XXXX XXXX  has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!

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 2017-03-27
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Other fee

Complaint:
I had applied for a Citi bank secured credit in doing so to try to and rebuild my credit! Citi bank had denied me. Then approximately three days later I get an email saying my application was under review ... ... so a week passes fast foward to today XXXX XXXX, 2017 I check my XXXX XXXX XXXX checking account and I see Citi bank took out {$300.00} for a deposit for the secured card! With no notification no call no email saying that they were going to be doing so the money was withdrawn!! I called customer service and they told me that my applicatioin is still pending?? But yet You first told me it was denied I completely understand if it was denied no problem ... they continued to take the deposit of amount of {$300.00} from me though even though now supposedly the application is being overviewed! I advise the lady I spoke to cancel my application because I had moved on from this secured card last week! I just want a full refund for my {$300.00} which has now put me in the negatives in my checking account because I had no idea it was coming out! Customer service told me it could take anywhere from 2-3weeka for me to get my refund because it has to go through a cancellation request? That 's unacceptable and unfair!

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