BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 FairCredit Reporting Act 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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX 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 2023-05-11
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Apparently we owed a small medical debt in regards to my child. Mountain Lands Collection, LLC, has not sent us one letter of collection. We have our mail scanned through the USPS and can prove this. Also, we haven't moved in the past 7 years. We were completely unaware of this debt and would've paid it, especially because of the small amount. Then out of the blue they issue a summons for the small debt with fees ballooning the debt to quintuple the amount, in " supposed fees '' to drive their profits up. This is absolutely fraud in my mind and these crooks need to be investigated. If you XXXX search their name, you will see XXXX reviews of many of their victims ' attestation to their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In Regards to CFPB Complaint XXXX, Account Ending in XXXX Capital One stated that " per your Customer Agreement that was disclosed at the time the account was opened, we may report information about your account to credit bureaus and others. Please note that late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' Pursuant to 15 USC 1681s-2 ( 7 ) ( e ), negative reporting is not required by law, but is optional. Capital One 's " Customer Agreement '' does not supersede federal law and none of this was done with my lawful authority. I'm also aware that prior to furnishing my nonpublic personal information to nonaffiliated third parties, such as the credit reporting agencies, that I was supposed to receive in writing, the option to opt out of credit reporting. I was never given this option. This is a violation of 15 USC 1681s-2 ( 7 ) ( A ) ( i ). Capital One also states that they are reporting accurate information, but without documentary proof from the Chief Financial Officer of this company showing that I've been late making payments on this extension of credit, then this is heresay. Because Capital One is being difficult in resolving these issues concerning this matter, this is an opt out notice. I give Capital One my lawful authority to remove this tradeline from my credit report. Attached below, you will also find a cease and desist letter. Keep, in mind that a consumer report is a means of communication pursuant to 15 USC 1681a ( d ) ( 1 ) and I am demanding that Capital One cease ALL means of communication which includes communicating to me through the credit reporting agencies. Please remove this tradeline from my credit report IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

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. 
XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-05-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting XXXX XXXX XXXX in amount of {$500.00} ; this appears to be a duplicate account which XXXX XXXX XXXX is also attempting to collect.

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 2023-10-18
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage company has mistakenly paid the property taxes of a parcel I do not actually own - resulting in a debt with the City Of XXXX on my parcel that I paid with my own money. 

I have called the mortgage company since XXXX and they have acknowledged the mistake- yet as of today I have not received my money back. 

I am calling them on a weekly basis and every time the operator is surprised like the issue is completely new and takes not real action. Sometimes they claim to escalate, sometime they say they put a note on my file, another time they asked me to upload proof of payment on my side, but nothing is happening. 

I do not see the end of the tunnel and could really use some help on the matter. 

Thank you, 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 monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-11
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/XXXX, XXXXXXXX XXXX XXXXXXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on XX/XX/XXXX, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from TRANSUNION on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my XXXX credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries

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 2023-05-30
Company: Experian Information Solutions Inc.
State: SC
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:
Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service. 
The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry. 

++ NO REPORTING ON THE BELOW ++ ++WITH OUT MY CONSENT ++ Opening or using bank accounts ( including bounced checks or overdrafts ) Apartment rental payments Car insurance claims Homeowners and renters insurance claims Employment Medical records or payments ++ DO NOT SHARE ++

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 2023-06-21
Company: EQUIFAX, INC.
State: CA
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/XXXX, XXXXXXXX XXXX XXXXXXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on XX/XX/XXXX, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from XXXX on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my XXXX credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I ran into several issues when trying to open and now close my Citi XXXX card. I can not log in online, and by looking at emails I apparently now have two cards open based on the last four digits displayed. I never received, nor activated, either of these cards. I believe these are both closed, but I'm being charged their annual fee. I spoke several times to their customer service team and they told me I wouldn't be charged these fees, it would be credited back to the statement, etc. However, I keep receiving emails my fee is late, and the amount of the fee increases due to late payment. I called Citi several times letting them know this is hurting my credit but they say it will go away ( which it never does ). They are unable to send me any confirmation or they are unwilling to provide a confirmation number to reference the call. My last call to Citi was on XX/XX/16 and they told me to wait 3 billing cycles. I will keep being charged late fees and having a late payment on my credit history as they can not correct this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of XXXX for tickets, I contacted Paypal and they said I need to reach out to the vendor, I explained the vendor was a con artist who blocked me she said there was nothing they can do? I know its only XXXX but it was for tickets for my kids

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A credit card account was opened under my name with a {$29000.00} limit, and is currently on my credit report with a balance of {$3000.00} currently on it. I never opened an account or applied for a credit card with Bank of America. I contacted them a while back, and always got put on hold, or transferred to another department where nobody helped me. After about a year of trying to figure this out, I stopped trying due to frustration, and just decided to keep the balance current to avoid fees and penalties. I was going through a divorce and was having a lot of other things going on at the time, so it slipped my mind until I saw that Bank of America was being sued for opening up fake accounts, then everything made sense.

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 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a new business account with Bank of America on XX/XX/2022 and I ordered new computer checks, deposit checks and deposit stamps. I made online deposits of {$13000.00} on XX/XX/2022. On XX/XX/2022 I tried to log in to my accounts and could not and after spending hours on the phone I was finally told that they were closing my new business account and have place all the checks I deposited on hold for almost two weeks. They would not give me any reason for closing the new account just that it was decided by the loss prevention that the account was to be closed and they would mail me a check for the deposits I made after they cleared and any other moneys in the new account at some point. I had changes all my auto payments over to the new business account and had spent hundreds of dollars on the checks, deposit slips and deposit stamp with no explanation of why. My wife is a XXXX XXXX XXXX  of Bank of America and we have XXXX other accounts with them and she is also on the new business account we opened and we were told they may close the other account as well with no reason way. I don't mind going to another bank but all the time and money we have spent with no explanation. They have all of my money tied up this is not right

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 2023-05-24
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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