BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


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 2022-01-30
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : Paragon Revenue Group. This company opened an account using my personal information with no authorization from me. Paragon Revenue Group has reported that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information this debt collection company listed above. This company has reported an incorrect illegal account to The Credit Bureau without consent from me. Paragon Revenue Group is holding my personal medical information without a contract between them and I to hold my personal health information within their company. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation. Paragon Revenue Group used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. This company has posted that because the alleged debt that I do not owe has been sent to an attorney that has not reached out to me. This is a violation of 15 USC 1692 j and 15 USC 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B )

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 2022-01-30
Company: AMERICAN EXPRESS COMPANY
State: CA
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/XXXX We were attempting to book emergency flights under duress to attend a funeral for a family member. Due to the costs of las minute flights, we went from our normal XXXX flights to look for XXXX flights. We unwittingly clicked a link for XXXX and ended up booking flights we absolutely did not want and did not meet the search criteria submitted to their booking service. Within seconds of completing the checkout, we saw the flights were wrong and took immediate action to stop the process. 

We contacted American express to stop the payment. They told us there was nothing they could do until the purchase posted to our account. At the same time we tried to contact XXXX in the most direct way possible, but the only have a webform to fill out no phone # and no email address. We filed the web form and received an email stating a consultant would contact us as soon as possible. The email address was a no reply email. We filed the web form a couple more times and were able to file a cancel booking form after XXXX actually booked the flights, several hours after initial contact and booking. ( They had several hours to communicate with us before they booked the flights ) We contacted American express after the transaction posted to our account. They told us to work it out with XXXX. To this date XX/XX/XXXX XXXX has not contacted us in any form. 

We attempted to cancel the bookings ourselves as all major airlines have a XXXX hour cancellation notice. We were told the booking agent alone could cancel the flights. The booking agent does not respond to any contact. 

We never used the flights. 

We have been disputing this with American express for 3 months. Have submitted all details to them. Their investigation team reached out to us, but did not return our call. They continually gave us false hope that the would find in our favor if we just kept reopening the complaint. 

XXXX is based in XXXX. Stopping this transaction should have been easy for American express to do. XXXX has multiple complaints against them. They do not appear to be a legitimate business. American express should have protected us from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: VA
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 Act XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've repeatedly contacted IC Systems ( ICS ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX to ask that they remove an account previously with XXXX XXXX for Cable and internet services in the amount {$130.00}. 

The company has been report this account as in a collection status since XX/XX/2020. The account in fact was over-paid closed. XXXX actually issues a {$250.00} credit for the overpayment. 

I reached out to IC Systems several times starting in XX/XX/2020 to ask that they contact XXXX XXXX to confirm the status of the account and I was told that they would not contact XXXX XXXX  to confirm the account. 

I also provided a copy of my receipt of the final payment made in XX/XX/2020 along with a letter asking that IC Systems delete to account. At the time I was just retiring from the military and trying to complete the purchase of a home. 

Due to the erroneous debt my credit score dropped over XXXX points over the course of 6mos and forthmore impacting my ability to secure a mortgage. 

I'm currently consulting an attorney to possibly file a lawsuit for damage as result of IC System 's erroneous reporting of this account. 

I'm also considering pursuing a class action suit again the company for it's practice. 

Please help.. 

Respectfully,

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 2022-01-30
Company: BARCLAYS BANK DELAWARE
State: NY
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 have a Barclaycard US credit card which has monthly payment due date of the XXXX. I paid my XX/XX/XXXX payment for this card on XXXX XX/XX/XXXX. I was nonetheless flagged as past due for this payment. Customer service informed me that their computerized system generated its billing on the XXXX of the month, therefore my XXXX XX/XX/XXXX payment was applied toward the balance of the account by not to the XX/XX/XXXX billing. I was informed that I am therefore expected to pay a double bill for XX/XX/XXXX and XX/XX/XXXX despite having already paid the former. My request that this payment be reapplied was denied. I have always paid my bill well before the XXXX of the month in which it is due but after XXXX in the month in which it is paid to avoid confusions. I find Barclay 's position unreasonable and unacceptable, and believe that having paid my bill in advance of its due date Barclaycard US should accept it as such. I have also informed the company 's representative that I will be making no further payments until they do so. 

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 monetary relief
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with Keybank was closed. I had logged into the account on a regular basis. No effort was made to contact me. The funds were supposedly turned over to the state but I can not find them in the unclaimed funds database. 

The account was " Hassle Free Checking '' there were no minimum transaction requirements to avoid a fee or account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have not received my social security money.

I went on the SSA web site and according to them it was paid on XX/XX/2023 but direct express doesn't show this.

I have a support ticket in Direct Express : Ticket # XXXX They are giving me the run around. Have been doing everything through e-mail. They told me to talk to SSA, then they said to call them, then they want more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Capital Accounts. This company opened an account using my personal information with no authorization from me. Capital Accounts has reported to The Bureau that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? Capital Accounts has reported an incorrect illegal account to The Credit Bureau without consent from me. The Original Creditor was listed on my credit as XXXX XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. The document requested from this company should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and this tactic is listed in the U.S. and State law as identity theft and a HIPPA violation has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.

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 2023-08-19
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:
I received my credit report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/2023 - hard inquiry - XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX  XX/XX/2023 - hard inquiry - XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX XXXX XX/XX/2023 - hard inquiry - 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : 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 2022-01-30
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:
Before I make these legal and true statements I would like Transunion and the CFPB to know these are my words as the consumer, XXXX XXXX. On XX/XX/2021 Transunion deleted account # XXXX off my credit report. On XX/XX/2021 the same account was put back on my credit report saying that the creditor verified the information. According to 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. What friends, associates, neighbors of myself did you interview? Can you provide the following names of the friends, associates, and neighbors that you interviewed? I firmly believe Transunion has committed a violation if they didn't send me verifiable proof of who they spook to. I am also confused on what information Transunion have that XXXX doesn't have. XXXX is reporting wrong information and is dealing with litigation. How is it possible for 3 bureaus to be reporting 3 different reports if everyone is getting the same information from one creditor? that lets me know fraudulent information is being reported and has been reporting on my consumer report for years and has caused me great pain and a lot of denials from businesses that I wanted to gain a relationship with. 
15 U.S. CODE 1681a states accuracy and fairness of credit reporting, which means everything should be 100 % accurate or be removed from the consumer report. My auto loan account # XXXX has been satisfied and paid off but late payments are still being reported and I was never late on payments. Without permissible purpose according to FCRA it is a violation to put anything on my report without contacting the consumer first, please lets fix these issues and litigation should not be involved if everyone does not violate the law.

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 2021-05-07
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied to Citibank for mortgage refinancing on XX/XX/2020. We were told that the process will take up to 90 days. As long time Citibank customers, with excellent credit scores, continuous employment and no debt, we expected smooth and painless process. For the next 7 months, there were constant delays by Citibank. Each step of the way we had to request confirmation of receipt of documents or a simple clarification, multiple times. The loan processor took days and weeks to respond. The responses rarely addressed more than one issue at a time and were ambiguous, which required additional questions, and took more time. The documents that were submitted kept expiring and had to be resubmitted several times. Some documents had to be resubmitted because the loan processor couldnt find them. Six months later we were assigned a different loan processor. The appraisal of our property had expired after six months, unbeknownst to us. At the end of the 7 months ordeal, once the underwriting approved, we were given 7 business days deadline to close, lest documents start expiring again and end up back in underwriting. We were hit with a surprise {$200.00} charge for the updated appraisal. We were also put in an impossible position by the Citibank, because we had to get our property management to sign off on the loan in a matter of days, and the bank was informed from the start that the process normally takes at least 2 weeks. The closing was scheduled on the day and precisely at the time when one of us was travelling, in spite of our requests to schedule on any other day and time. Because of that we had to scramble to find a notary at the last moment.

We have reached out several times to a senior supervisor, before and after the closing, requesting to remove {$200.00} charge. We were charged anyway even though we were told a second appraisal wont be our responsibility because it was caused by the Citibanks delays. We also asked for a reduction in fees and or rate, as consideration for all the delays, missed opportunities and additional costs. We did not get a single response to any of the emails.

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