BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX makes it impossible to close account. I tried calling, E-mail long them, sent a letter to XXXX, went to local club, and tried in website but no resolution. I thought account was closed and but they started sending me bills for services I no longer use. Then they for a collection agency Aldous and Associates to harras me constatntly. I did not take calls, I dont accept numbers I dont recognize. I never got a formal letter stating I owed their bogus charges. I need them to take claim out of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: OH
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:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the fair credit reporting act, XXXX  account # XXXX and account # XXXX has violated my rights 15 USC 1681 604 A states that I have the right to privacy 15 USC 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns I can be reached at 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked for XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX to be removed from my TransUnion Credit Report. I sent in the information that should be there. The information is still on my credit report as of today. I would like for the information to be updated ASAP.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my 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

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 2023-04-05
Company: Debt Recovery Solutions, LLC
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is claiming to have purchased medical debt from a previous debt collector. This company has no legal right to possess any medical information about me and I never signed any release of any medical records to this company. They claim I owe XXXX. I demand any and all proof that I have any medical connection to this place to be mailed to me. I also demand proof of certificate allowing collection practices for my state. Plain computer printouts is not acceptable. I demand to see my real information such as any signature and itemized medical charges with this company that enabled them to have medical knowledge about me. If they cant prove this, next step is the Alaska Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a 360 checking account with Capital one on XX/XX/XXXX. On XX/XX/XXXX I recieved an email from capital one stating that they've decided to close my account because they observed activity that was inconsistent with their terms and conditions. In the email they failed to mention the exact activity they observed me doing that violated their terms and conditions. In that same email I was told that a check will be mailed to my address on file within 7 to 10 business days. We are XXXX business days in and I still haven't recieved my check from them. I called their customer service line to speak with a representative and I was told that my account is under investigation and after the investigation my check will be mailed to me. In the email I recieved from them on XX/XX/XXXX they failed to mention an " ongoing '' investigation regarding my account. I honestly regret banking with them because they don't care about their customers and ive came across several customers of theirs on social media who had gotten their accounts closed without cause also. Legally, a bank must return any funds in your account, if they decide to close your account with them and I would like my check. Capital one has a big history of dishonesty with their customers and I don't trust them to honor the 7-10 business they say that they will take to send me my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/ I was doubled processed from my credit card payment without my knowledge. I had {$280.00} taken twice from my checking account, for a singular min payment. I also only received one confirmation number for the process but was charged twice. Bank of America has yet to give an accurate date of when I will be receiving my funds as the previously stated 5-7 business days was false. I contacted them 3 times and each time a representative gave me a different time estimate and took different approaches and procedures for transferring back my money. I also have been charged overdraft fees due to being short {$280.00}. Ive spent multiple hours on the phone for no resolution and feel I am being taken advantage of. Ive spoken with a supervisor who claims they cant get me my money for possibly another month on top of the past week or so Ive been short which would put me into more overdraft fees and also cause me not to have funds for living

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 2023-04-04
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Complaint was filed previously due to fraud transactions on account. US Bank approved partial and denied partial and they are claiming I did transactions after I have informed them I was under medical treatments, XXXX, and I having fraudulent alerts on my credit reports. After I informed them of this they didnt due their due diligence to close the debit card. Continued transactions occurred and now they arent accepting accountability on their end and have placed a hold on my account and are stating they will be closing it. 
I have bad health and this is causing me a financial burden, credit reporting, and emotional distress. Release my money, credit me back for the fraud, and do not close account. I dont need a XXXX debit card, I just need my account open due to XXXX payment that will process. I am ready to go to XXXX XXXX! I feel like Im getting harassed and discriminated!

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 2023-04-04
Company: Experian Information Solutions Inc.
State: TX
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the correction of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: MD
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 accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has failed to respond to me sending me proof that i gave consent of these private transaction to be shared with third party. my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so ... Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-03-17
Company: SYNCHRONY FINANCIAL
State: TN
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 is regarding a credit application for American Eagle ( retail store ) /SYNCB. I was offered a 35 % discount I applied for the American Eagle Rewards credit card. I was told that this application would be a soft inquiry and would not have an impact one my credit score. I was also told it would come off o my report in 30 days. This was a lie. These 2 applications are in act, hard inquiries, and will remain derogatory marks for 2 years.

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 2023-04-04
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : In response to your previous message, I know you are a third-party company, but I need help understanding why a third-party company is trying to collect what I don't owe them. You don't have my address because I've never received any alleged documents. My email being on records doesn't prove anything, I'm not going to explain anything about this to you, but I thank you for the attached documents. You are incorrect, and so is XXXX. The alleged phone bill is undoctored, right? How is the phone bill less than what source receivables are trying to collect if it's the total bill? These documents prove that XXXX  charged me for a phone they claimed to have given me for free on a promotion they were having, so thank you for that. I had devices paid off on this account, and XXXX  was still collecting for them. The dates don't match up with when the devices were purchased. I will file a complaint with the XXXX  and the attorney general office about this issue. I've already complained to the FTC. Also, I still need proof of my signature on a document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. Please remove.

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 2023-04-04
Company: EQUIFAX, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
Hi my complaint is too major credit bureaus XXXX  transunion and XXXX i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER  XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX  Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.

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 2023-03-17
Company: CCS Financial Services, Inc.
State: CO
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:
Collection Agency : Credit Collection Services, XXXX, CA ( CCS ) Original Debt : XXXX Amount : Unknown, says Not Reported on my report. 
Originally reported to XXXX XX/XX/XXXX. 

I have disputed the collection from CCS for XXXX that is not mine but on my XXXX Credit report, yet CCS continues to say it is accurate. 

XX/XX/XXXX - Dispute online through XXXX XXXX XXXX XX/XX/XXXX - Dispute online through XXXX XXXX XXXX I did not track dates of attempted calls to CCS to discuss the collection and give more details. Calls made resulted in holds up to 2 hours long before giving up, or just getting disconnected. Initial message is always something like, your wait is 10 minutes long, or less than 5 minutes. 

XX/XX/XXXX - Mailed letter to CCS via USPS and have not received a response. 
XX/XX/XXXX - Submitting complaint to cfpb and will resend letter, giving them the benefit of the doubt they did not receive the original - but unlikely.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XXXX, I opened Citigold checking account ( zero interest ) number XXXX online to earn {$2000.00} cash bonus, with {$300000.00} in deposit. Please see an attached file XXXX On XX/XX/XXXX, I received a welcome email of my New to Citigold checking account with timeline to earn cash bonus. I would get {$2000.00} cash bonus no later than XX/XX/XXXX. Please see XXXX attached files XXXX Please look at my bank account statements from XX/XX/XXXX to XX/XX/XXXX. I have completed all required activities, but I did not receive the cash bonus. Please see 6 attached files XXXX On XX/XX/XXXX, I contacted Citigold Manager : XXXX De XXXX XXXX phone # XXXX, her email : XXXX. I have asked her to review my cash bonus case. Please see an attached file XXXX We have exchanged emails with no progress. After XX/XX/XXXX, she stopped responding my email and phone call. On XX/XX/XXXX, she informed me that she would forward my case to a new manager : XXXX XXXX, phone # XXXX, his email XXXX. I immediately sent him an email with no response. Please see an attached file XXXX On XX/XX/XXXX, I have sent him an email again. Please see an attached file XXXX On XX/XX/XXXX, he informed me that I was ineligible for the bonus because I had an old joint checking account in the past. Please see an attached file XXXX In the past, my wife had a Citibank checking account. She closed that account around mid XXXX. She was primary owner. She added me as secondary one. 

Dear Consumer Financial Protection Bureau, I have the following complaints : Citibank must have known who was eligible to get cash bonus. They sent me a welcome email of New to Citi Checking Cash Bonus Offer. Apparently they were willing to keep my {$300000.00} in deposit at Citibank. 

On XX/XX/XXXX, I contacted CitiBank and asked them to review my cash bonus case, their review process have lasted for more than 2 months. 

Since XX/XX/XXXX until XX/XX/XXXX, Citibank has earned profit from my large fund, but I have earned nothing from zero interest Citigold checking account. 

Would you please to do an investigation on my {$2000.00} cash bonus case? 
Your help is greatly appreciated. 

Best Regards,

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