BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed the XXXXXXXX XXXX  30 day late payment over 60 days ago and have not received proper dispute results from XXXX or Trans Union, XXXX  sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.

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 2023-05-12
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The dilemma is they have XXXX accounts in regards to my XXXX sons who were never seen, treated or admitted to any medical facility ever since birth. Both accounts are for {$900.00} each dated XX/XX/ for a total of {$1800.00}. I have contacted and disputed this collection before.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2018-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/XXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 FCRA, XXXX/TransUnion/XXXX XXXX Account Number : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: LA
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Account XXXX XXXX {$300.00} Balance po box XXXX, XXXX XXXX SD XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MI
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:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

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 2023-08-23
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a bill from Citibank in the amount of {$120.00} and I paid it in full on XX/XX/XXXX ( it was due on XX/XX/XXXX ) electronically. I received another bill in XXXX with a late fee of {$33.00}. I called Citibank and they informed me that they did not receive a payment and that I needed to provide them with a copy of the check and a copy of my bank statement showing the amount was deducted from my account, and they temporarily reversed the charge pending their investigation. I provided them with both the check and my statement on XX/XX/XXXX. I called again on XX/XX/XXXX when I received a letter in the mail stating that they were reversing the credit and charging me again. I called that day and they said they couldn't read the documentation that I sent them electronically and that I needed to submit it again along with the bank transfer information. At this point I called my bank and they sent me a letter with the information and I subsequently sent the information to Citibank again. I followed up with an email on XXXX and I received a message stating that I would receive information regarding the follow up once they completed the investigation. Again, I received a bill from Citibank in the amount of {$120.00} and when I called they said that they didn't receive the information requested so I needed to resubmit and that the account was still under investigation. When I asked every time to speak to a supervisor or someone who was in charge of my account I was told to just call back in 24 hours. I have made 2 trips to the bank and made 5 phone calls regarding this issue. I have submitted copies of my bank statement, a copy of the check provided by my bank, as well as a letter from my bank stating that the payment was made. They have no made no attempt to help me as the customer, no one has once called me to tell me that the information was difficult to read, nor have they asked me to provide them with a copy of these documents via the mail or fax, they just keep sending letter stating that I still owe the money.

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 2022-12-28
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yourrecords show that account number XXXX has a balance of {$350.00}, this account is fraudulent and I am requesting you to remove this from my credit file I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file. I did not sign any documents to authorize this account I also did not authorize this company to furnish this collection account on my credit file

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I paid for a brand new Hyundai XXXX 2014 with a 10 year or under 100,000 warranty. My engine stop working after 2 years. Towed my car to Hyundai XXXX dealership where they submitted inaccurate information regarding maintenance to the warranty company that denied my claim also deemed Final decision. Without no evidence as to what paperwork is missing from maintenance for claim denial. Ive submitted all information regarding maintenance on vehicle, and Hyundai and the warranty company is not disclosing who made this decision and why. My car has been down for 2 years because of this situation and Im hoping someone can help me investigate this matter

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 2022-12-13
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: Information belongs to someone else

Complaint:
A XXXX XXXX loan account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt.

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.

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 2022-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
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:
On XX/XX/22, I contacted HSBC credit card to dispute a charge of {$140.00} to XXXX XXXX. 

On XX/XX/22, I called to follow up on the dispute and was advised to email their dispute department with the details of the dispute and reference case id : XXXX. I emailed the information. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I received a correspondence from the company asking me to hire a professional beautician to write a letter to attest to my dispute. 

On XX/XX/22, I provided the company with a letter from the professional. 

On XX/XX/22, I called to follow up on the information that was provided. I was blind transferred to the dispute department and was on hold for over 1 hour. I called back and was advised that they didn't have any knowledge of the letter that I sent in. I had to pay {$25.00} for my beautician to write the letter for me. 

This company is so unprofessional. I had a prior dispute that they didn't send any correspondence in the mail until after 60 days. 

I need my money refunded back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this credit inquiry XXXX XXXX XX/XX/2023! I have asked for it to be removed by the credit bureau but they have not done as I have asked. I am providing an Identity theft report as an attachment. I am requesting the inquiry to be removed because it is inaccurate and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

Midland Credit Management XXXX {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Block, Inc.
State: NJ
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:
On XX/XX/20 two atm withdrawals were made out of state for {$45.00} each ( {$91.00} total ), several other attempts were made but there were not enough funds to complete. Prior to this I reported my card lost as other fraudulent transitions were attempted. The card was also locked at the time while I was awaiting a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to login to my Chime Account and found out it was suddenly closed. Ive been reaching out sent letter emails and even tried phone calls. Nobody will tell me why it got closed or anything. Ive even went as far as to trying to create another Chime but it wont let me. Ive never done anything fraudulent with them so Im not understanding the issue. If its cause I was barely using it its cause Im homeless money doesnt really get sent to me but majority of my family members or people that wan na help me have chime and now I dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello Specialized Loan Servicing is in XXXX XXXX holder position in regards to my home located at XXXX XXXX XXXX, XXXX, MD XXXX. Recent months they have sent correspondence in reference to what I owe. I received a letter dated XX/XX/23. It was loan modification documents that they structured and sent out. I had a lot of concerns with it. The letter states to make sure you appeal no later than XX/XX/23. On XX/XX/23 I sent via fax, loan portal and email a copy of my appeal letter. Today on XX/XX/23 I recieved a letter confirming receipt of my appeal. I am submitting this to the CFPB because XXXX is known for not responding in a timely fashion or later stating they never received the documents. To protect my rights I am making CFPB aware of this so that I have a witness of the dates I submitted documents to protect me and ensure that my concerns are addressed. Thank you. 

P.S. Please be advised that this is a separate concern from the what was submitted under COMPLAINT ID 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 2018-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made settlement arrangements with the company in which I could not afford to keep. After multiple checks had bounced, I spoke with a representative and advised her I would like to cancel ACH authorization and they still proceeded to run the checks. This has caused an extreme hardship on my end due to multiple overdraft fees. I was told that the company would not reimburse the fees that they had caused and any monies that were paid by my bank after advising Porfolio Recovery to stop the drafts would not be refunded. The " supervisor '' XXXX XXXX refused to give me the name of the representative in which I spoke to originally and told me that the ACH 's are submitted at XXXX XXXX. and could not be cancelled the day of. I was not informed this by the representative I had spoke with to cancel the ACH draft, and I was clear that I did not want those payments to be submitted and was clearly informed on their " recorded line '' that my request was understood and would be honored. The supervisor continued to over talk me was rude, very unprofessional and hung up the phone during the call. I have worked in the financial industry for years and never has any company I worked for/with ever ran ACH payments at XXXX XXXX while no one is in the office!! They are not a bank they are a collection agency!

Company response to consumer: Closed with explanation