BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls everyday consistently from this debt collector. No dates are needed as it truly is every day.

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 2023-02-10
Company: Accscient, LLC
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:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-09
Company: Giggle Finance Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied for a small business loan when I was short on cash earlier this year. Giggle Finance was recommended through a rideshare app - so I decided to try applying. The application process was several questions- including a link to your bank account for " verification. '' The company told me I was approved for {$600.00} and sent me a text message that they would be in touch shortly to finalize details. As I was awaiting the finalization call, I noticed that they started taking money out of my account. I texted back the number that sent me the initial message and asked what was going on - only to realize that the number I had was someone's personal line as they responded late in the evening. She said they were beginning remittance on the {$1100.00} that I owed them. I told her I had not agreed to that, finalized, or signed a contract. She sent me an email with a contract with a fraudulent signature. I call my bank immediately and told them what was happening. They told me to reverse all transactions between the company- as it sounded like a scam. 
Several months letter I received a letter in the mail from the Secretary of State that there was a XXXX  XXXX placed on my name. I was trying to use my card for breakfast and my card was declined. I contacted the card distributor and they said my assets were frozen and to contact XXXX, XXXX, & XXXX for details. Upon contact they sent me the same fraudulent contract and said I owed Giggle {$2200.00} I explained to them the situation with no reply- only to receive an increasingly threatening letter that they were going to pursue further action against me. I have asked them for a breakdown of charges and validation of debt with no response. 

As a small business owner this continues to hurt my mental health and business I have been building for the last decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: UNITED BANKSHARES, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
While My wife and I were trying to make an offer to buy a XXXX at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended United bank to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from United bank to explain that my XXXX refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email

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 2023-07-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I purchased my home XX/XX/2015. I've never been late making my mortgage payments. All my accounts have been paid on time. For the past four years my FICA score seems to be frozen. At the time I purchased my home my score was XXXX. For the past XXXX years my score has been XXXX. 
XXXX years ago I hired a credit repair company to help me raise my score. I paid him {$500.00}. After one year nothing happened. Later I thought I would hire a professional credit repair company named Debt Solutions Service. I paid them {$5600.00} after XXXX year nothing happened. Again, I heard of XXXX XXXX. I hired XXXX XXXX and paid them {$14000.00}. After XXXX XXXX years my score was still around {$580.00}. So, I decided to try to correct my own credit score. I contacted Equifax they had me do a number of transactions to help me raise my credit score. First, they had me send letters to all my previous accounts. Equifax had me send them documents showing that I've paid off my car and show that I paid off XXXX on my student loans. After XXXX XXXX years my score is still around XXXX, they had me to do a number of transactions which was file disputes on my credit report, correct errors on my credit report. They had me gather all my documents and send copies to the customer service department which I did. Fourth, when I called. The representative acted like there in training. I asked them a question then they put me on hold for a long time. When they returned they couldn't answer my question. I told them I mailed the documents return receipt. He replied he doesn't know what happened to my documents. I asked to speak with a supervisor and asked him the same question. He also said he doesn't know what happened to my documents. they both told me they would get back to me with an update. Well, of course they didn't call me back. I'm asking you to help me with this agency. I've also contacted XXXX credit Bureau and XXXX credit Bureau to file dissatisfaction with them. 
The reason I want to adjust my focus score is because when I purchased my home. I had a 4.6 % interest rate. I could not take advantage of the XXXX and 3 % rate that I was eligible for. All three reporting agencies cost me many thousands of dollars because of their incorrect reporting I would appreciate some help with XXXX to correct my credit score. This year I need to buy a car and apply for a second mortgage. I don't want any problem getting financed. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with XXXX XXXX XXXX through XXXX. The card account was transferred to Comenity Bank without my knowledge or permission. They said they sent a letter to my address but I did not receive it. They sent an email today saying I needed to activate a credit card - which I did not request - and that was the first I knew that this happened. I can no longer access the account through XXXX XXXX XXXX the online access says they do not recognize the account. The card issued by Comenity is being used but not by me as there was a transaction on the card in XX/XX/2022. When I requested a physical address from Comenity to send a certified, return receipt requested letter, they refused to give me a physical address. They said they only have a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a credit card XXXX that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.

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 2022-11-04
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had a checking account with US Bank for over 20 years. I was NEVER charged a fee for having the account until recently. They began charging my account a {$24.00} fee on XXXX. This fee was waived for two months. I'm assuming I called about it, but honestly can ; t remember. After that, they charged the fee for nine more months before I noticed and called about it. At that time ( XXXX ) they waived three of the fees ( leaving 6 others ) and said that was all they could do. Since then, I have spoken to XXXX at the XXXX, XXXX branch. She reached out to her district manager, XXXX XXXX, who told her they could return three more months of money they STOLE from my account without any notice ( still leaving 3 months ' fees ). This is unacceptable. I was not notified that this fee was going to be added to an account I have had for OVER 20 YEARS. Their explanation is that I had taken out two car loans and paid them off which put me in a different kind of account. What?! Why?! Again, I was not notified of this. Had I been, I would have taken my money elsewhere or asked if I could have the kind of account I had had prior to the car loans-which, again, I was never made aware of any kind of change in my checking account. 
In addition, XXXX apparently tried to call and email me on XX/XX/2022 to follow up on my complaint. The phone rang once and went dead. The email asked when would be a good time to call. I explained that the call didn't go through and she could call any time. I did not hear back from her until today and only because I called her again aXXXX XXXX XXXX and left a voicemail ( Friday, XXXX ) She was obviously trying to dodge me by calling at XXXXXXXX XXXX  before quitting time on a Friday. I asked for XXXX XXXX 's number and called him before XXXXXXXX XXXX It went straight to voicemail, so here I wait once again.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I forwarded by fax a Declaration of Unauthorized Endorsement or Altered Item to Chase for a {$600.00} check ( check number XXXX XXXX that was stolen and cashed by XXXX  XXXX XXXX without any endorsement. I followed up with a call on XX/XX/2021 and was advised that the claim could take 90 days, but after 90 days, the funds would be credited to my account. I submitted a follow up email through the Chase online website on XX/XX/2021, but was told I had to call for more info. I called Chase today as it has been over 100 days and Chase has still not resolved the issue and credited my checking account for the {$600.00}. Now I am being told that XXXX  XXXX XXXX, who cashed the stolen check has to recover the funds before I am credited the funds back. This check had no endorsement on the back of it and was made out to my church. I feel that Chase bank is taking advantage of me because I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital one has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts 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

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2022-11-12
Company: Experian Information Solutions Inc.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, I was an absentee minor resident, away for college. The Lease was over in XX/XX/2018. I have gone to the companies credit bureau, and the company has refused to respond to any request made by the bureau to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Asked company to file 1099C due to the financial and emotional problems I am having as a result of COVID 19. The company has not bothered to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA
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 Regards to an automobile loan account on my consumer report with First Commonwealth Bank. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The XXXX XXXX XXXX Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

Company response to consumer: Closed with explanation