BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.

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 2017-03-28
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A guy I was dating XXXX XXXX stoled my identity got this card in my name before we were married in the evening og XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to Barclay Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

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 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, Transunion and 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 2018-11-09
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Service Inc is in violation of HIPAA Privacy Violation. This collection agency did NOT provide me a HIPPA RELEASE that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA RIGHTS. 

I have requested for VALIDATION, NOT Verification from FRANKLIN COLLECTION SERVICE on XX/XX/18, XX/XX/18, XX/XX/18. 

On XX/XX/18 FRANKLIN COLLECTION SERVICE ON reply to my dispute letter, where they have violated my HIPAA rights sending me my medical information without providing me a HIPAA release form giving them access to my medical information. I have disputed with XXXX and XXXX five different times and they have yet take this extremely seriously As I have received a response from the collection agency that clearly violates my rights according to HIPPA. I have documented my case without error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX  that the debt is fraudulent, but the fraud took place on XXXX XXXX  end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX  is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have had repeated issues with Trans Union. Long hold times and multiple transfers, no one can help me. I continue to get redirected to websites and are not in existence or invalid. 
I am trying to find out why my credit score decreased XXXX points and no one is able to answer the question. I was sent to service.transunion.com and get the error code 1020, access denied. I have received this error numerous times in the last year and each time I call in, no one can assist me. 
Additionally, the rep I was woking with tonight gave me a link to access my credit score and find out why it decreased ( he stated that was the only way I could find out ) and I would have to pay XXXX with him over the phone or i could access annualcreditreport.com and pay XXXX. There is no such option on that website. 
I called someone else and she told me that my account needed " maintenance '' and that she was forwarding it to the maintenance department and I should wait for a letter. She said that my score may change once maintenance is performed and in the mean time it would be a good idea for me to send a copy of my Drivers license and ss card with a note that I am sending this for maintenance to my file. She told me to send it to XXXX XXXX XXXX  XXXX PA XXXX. 
I have spent the last 6 hours holding and being transferred around Transunion without resolution and still not being able to access my account or know why my score has decreased so significantly.

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 2021-08-23
Company: EQUIFAX, 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 status incorrect

Complaint:
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 accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance : {$20000.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX-Date Opened : XXXX XXXX  XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 balance transfer

Complaint:
XXXX XXXX, 2023 Bank Of America 's app accidentally, instantaneously, and without ANY warning paid off my Bank of America credit card TWICE OVER by taking an extra {$500.00} ( {$480.00} ) out of my Bank of America checking account when 1 had already paid off the entire {$500.00} credit card balance a week ago. I spent four hours on the phone this morning getting transferred around and being given different phone numbers to call, then calling XXXX was finally told they'd refund my money in a few minutes and gave me a confirmation number XXXX Then the money was never refunded. So that late afternoon I called back, was again kept on the phone for over an hour being transferred around, and was mocked, snubbed, and was told by XXXX the " manager '' that he doubted my story, even though he could see the facts of the overpayment on my credit card and withdrawal from my checking right in front of him. Instead of having a XXXX balance, I have an OVERPAYMENT of about {$500.00} on my credit card. Then they said there's NOTHING they can do about it to refund my checking account today. They say that, although they transferred the money OUT of my checking account instantaneously, that it will take them TEN DAYS to put the money back. My checking account has been completely drained by their mistakes. 1 don't have ten days to pay my other bills due now! And, they say if I were to just go to the ATM and withdraw the extra funds from my credit card, they would actually CHARGE me interest and cash advance fees on it!!! This is criminal behavior. Why can Bank Of America get away with this? Why don't they have to pay ME interest. 
cash advance or overdraft fees?

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 2023-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When making payments to Mazda Financial Services ( MFS ), we can electronically submit payments ; however the company only allows for the payments to go toward interest first, then toward advanced payments. I want to make principal only payments, but to do so am required to send a paper check via USPS, which adds more than a week, effectively creating an additional cost to pay off my loan early and reduce my principal balance due. Other lenders allow debtors to select on the website how each payment should be applied. If MFSis going to accept electronic payments, they should be required to permit the debtor to select how the funds are to be applied ( provided the minimum monthly payment has been met ). 
This practice creates an undue burden and costs money to mail, and accumulated interest that is not quickly applied to the loans. They have many customers, which generates huge revenue in additional interest charges. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have two transactions come through my account and not enough money at the time to covered the transactions. I had until XX/XX/28 by XXXX to bring my account current to avoid the overdraft fee for high I did and I still was charged the fees and the rep XXXX was very rude and didnt help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase has closed my Credit Card Account and can not open another account with them in the future. The letter said this was due to unexpected activity on this account or another chase account. This was my only Account with Chase and I only used it for Amazon.com purchases as that was why I got this card about 6+ years ago. I always paid my bill in full every month and did not have missing payments. I called Chase to find out what happened few times and they would not give me an answer on why it was shut down and nothing could be done. I tried to ask for a phone number, I could call to find out, but they said they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows 4 late payments 120 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, XXXX, and Transunion.

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 2022-05-02
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX placed my account in collections with CCS and it was added to my credit report XX/XX/XXXX. This account should not have gone to collections because XXXX XXXX lost it in their system in XXXX of XXXX because, in their words, it was " floating '' between addresses. I made multiple good faith attempts to pay but I was locked out of their online payment platform and no one in their call centers was able to help me get the account paid. I never received any mail correspondence from CCS prior to them putting it on my credit because the address they had on file contained a typo - not a fault of mine. After this account was placed in collections, I spoke with a manager at XXXX XXXX and she told me that the account should have never gone to collections and the only way to get it deleted entirely from my credit was to pay the funds directly to the collection agency. I did that right away. In the time since paying the collection agency, I have been told by XXXX that CCS needs to reach out to them so they can get it deleted. CCS has told me that XXXX needs to reach out directly to them to get it deleted. 

I filed a complaint with the XXXX XXXX XXXX  because, as evidenced by the XXXX website, the CCS Companies have resolved almost XXXX complaints this year alone and the standard turn time on those resolutions appear to be between XXXX XXXX. My complaint was submitted on XX/XX/XXXX XXXX XXXX XXXX XXXX  ), the XXXX confirmed that the CCS Companies received it the day it was submitted, and I still have not heard back from the business. The XXXX has requested their response now three times and there has been no resolution. 

The CCS Companies and XXXX 's refusal to communicate with each other to resolve this error on their end is a consumer rights issue. I am under contract to buy a home and if that falls through or necessitates a loan program change as a result of negligence by the CCS Companies, I will seek any monetary recourse that is available to me for the loss of housing and funds paid in the homebuying process. XXXX 's refusal to delete my account from my credit report is directly contrary to their mission to abide by the Fair Credit Reporting Act. While the account should not have gone to collections and I received no correspondence from XXXX, I paid the balance in full because I was told it would be fully deleted from my credit and I expect that result to take place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called XXXX and they said it is reporting. I have tried to get home equity loan and was told the same thing. XXXX says no reason for that so why ca n't anyone access a credit number. Experian had told me all my credit was old, which is true but what should that have to do with my credit history. XXXX has told me there are no negative items on my report. I have a charge account with XXXX which has been active since 2003 and Experian said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. Experian says it 's XXXX 's fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help

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 2018-12-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.

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