BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
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: Information belongs to someone else

Complaint:
I NOTICED SERVERAL FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE THE FOLLOWING ACCOUNTS ARE FRAUDULENT TRANSUNION : XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX Account numberXXXX  Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX  Account numberXXXX Date opened 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 explanation
Consumer complaint received 2021-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am XXXX XXXX XXXX. I just moved from XXXX XXXX where I've lived for 71 years to XXXX XXXX. I have banked with great credit and no problems for decades with a regional New Jersey bank. When I applied for an account at Bank of America online I initiated a {$250.00} online ACH transfer to fund the account. I got an account number online. I ordered an ATM card and checks. A few days later, my new account was shut down because of a 'deposit check ' based on a report. When I called the reporting agency, XXXX XXXX XXXX, they explained my deposit score was low because my old bank was not a part of their system. They didn't have any banking information on me so their was no data, just a few inquiries at the time I tried to open the account. I spent hours on the phone and in the Bank of America branch offices, as instructed, trying to get this straightened out but in the end, I left since the branch could not open my account and the Bank of American system would not accept my XXXX XXXX drivers license.

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit 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:
I disputed a charge on XX/XX/XXXX for {$200.00}. The merchant did not respond to the dispute within 30 days and Capital One still put the charge back on my card on XX/XX/XXXX. I contacted Capital One on XX/XX/XXXX pointing out their error but Capital One refuses to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CORELOGIC INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
CoreLogic Credco provided a credit report to XXXX XXXX on or about XX/XX/2023 despite my credit reporting being frozen with all of the three major credit reporting agencies. I contacted CoreLogic Credco today on their phone number XXXX requesting that they freeze their reporting of my personal data. The CoreLogic Credco representative decliined to do so.

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 2022-04-15
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
USBank has been calling our number MULTIPLE times a day starting on XX/XX/XXXX, continuing through today so far. I've reported to FTC several times starting a few weeks ago, as some of the people are leaving messages for someone named " XXXX '' or " XXXX '' I've called three different people, along with the USBank 's main number shown on their web site, to let them know they're reaching the wrong number. Still they persist, and the person I spoke with who answered at the XXXX # for customer service ( XXXX ) insists that they're not calling our number, that " it must be scammers '' ), but the callers who've left messages sound like they're from collections or something like that.. The other reason I think it's collections is that every day the calls come at the same exact times ( just after noon, again around XXXX and then around XXXX XXXX. XXXX ). We've had our number for over a year now, and have never had other calls for the person they're trying to reach. Also, when we DO get telemarketing calls, there's at least a way to remove us from their list ; no option for that with these. US Bank is harassing us, with no reason, especially since we're not even a customer of theirs ( and never will be because of their tactics ). I don't know what they hope to accomplish by their calls as we know the number and will not answer. PLEASE DO SOMETHING TO STOP the calls.

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 2023-01-23
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I purchased my home and my mortgage was {$1600.00}. On XX/XX/XXXX It went up to {$1700.00}. When I called to make a payment I asked why it went up $ XXXX and never got a straight answer. On XX/XX/XXXX it went up to {$1700.00}. They keep raising my payments amounts and now it is at {$160.00} more per month. Im struggling to make these payments and every time I ask why or ask for help they give me the runaround and do not give me any solutions.

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 2021-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ARS Account Resolution # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

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 2021-01-13
Company: Improved Data Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
As recently as XXXX, 2021, a company named, " Improve Data Services '' has continually and repeatedly, after being instructed to stop, called my place of work. These continued calls have interrupted the operations of an emergency communications dispatch center and taken staff away from assistance and emergency related calls. The callers have even raised their voices and used deceptive techniques. The callers have attempted to be transferred to Human Resources even after being told this is a place of business and has no connection to this situation. The calls have now become automated messages that come in at a minimum of two times per day.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get 1 to 2 calls APPROXIMATELY EVERYDAY, and everyday I ask them to stop, its harassment ... they CHANGE there number and call again..I even told them I was gon na report it to you ... they CONSTANTLY still call it's on going for several months now ... I even asked that they not call on any of PORTFOLIO RECOVERY SERVICES.NUMBERS ... .I ASKED THAT THEY FIND A NEW WAY OF CONTACTING WHOEVER AT THIS NUMBER BECAUSE I WAS NOT GIVING PERSONAL INFORMATION DUE TO ALREADY BEING A IDENTITY THEFT VICTIM..BUT THEY REFUSE TO STOP..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Portnoy Schneck, L.L.C.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a payment arrangement for a student loan account which was agreed to in XXXX of 2023. A form had to be signed and shared with Portnoy then they provided me with an online account to electronically make the payments every month ( includes a file number ). I have made the payments every single month and timely & Portnoy has acknowledged this yet they have are lying to to the credit bureaus when they report every month and indicate that my account is not current. Ive called multiple times and keep getting different stories with false promises of reporting the account as current yet they have not done so. They are not only falsely reporting to credit bureaus but also destroying my credit in the process. This needs to be rectified immediately - its unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I needed to transfer money from my Marcus savings account to another account I own at different institution so I could request a cashiers check for a new car. My external account was already linked and verified to Marcus, and I have completed other transfers to this account from Marcus in the past. I called Marcus around XXXX ( XXXX ) on Friday, XX/XX/23. The representative took my instructions over the phone and submitted the request. Later that afternoon, the money had not arrived, so I called again just before XXXX ( XXXX ). The representative saw the request, but told me it was under review. She would not provide any additional information or identify any particular point of concern. 

From Marcuss customer FAQs posted on the website : Your money should arrive the same business day if the transaction is requested before XXXX XXXX XXXX. If there's an issue verifying an account or with a PIN verification, it could take between 1 and 3 business days for your funds to arrive in the external account. 

On Monday morning, XX/XX/23, the funds had still not arrived. I called Marcus again around XXXX ( XXXX ). I spoke to the representative, and she transferred me to her supervisor. Then the supervisor sent me to the Fraud Department. I learned there were two stages of reviews, and the first round was completed on Monday with no issues identified. And the second review was being expedited ( to be completed within 3 hours ). But there was still no information on why the first review was not completed on the same day that I submitted the instructions ( Friday ). As best I can tell, I submitted my wire instructions well in advance of the
same-day cutoff, and Marcus took no further action that day. Is the review team not equipped to handle the volume of daily requests? Or did Marcus decide to intentionally sit on the request to avoid having to disburse the funds ( and continue to receive a few days interest on the funds I needed access to )? 

This whole experience has been incredibly disappointing. I was unable to pick up the car I was scheduled to purchase. Why is Marcus making it so difficult to access my own funds??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: NC
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:
Initally On XX/XX/2020 I sent a letter requesting verfication of XXXX accounts on my credit reort as the information that was being reported on my credit report as it did not look correct and received no response from any of the 3 credit bureaus. So I sent a follow-up letter on XX/XX/2020 till today and still no reply. I atleast expected their stall post card or letter. This is hendering my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am writing to bring to your attention an issue I recently identified on my credit report, which I strongly believe to be inaccurate and detrimental to my credit status. The item in question, as detailed below, is adversely impacting my financial standing : Account # : XXXX Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2023 Balance : {$450.00} No. of Months ( terms ) : 1 High Credit : {$690.00} Credit Limit : {$0.00} Past Due : {$450.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/2023 Date of Last Payment : XX/XX/2023 Per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I have personally observed this entry and can confirm that it is both erroneous and adversely affecting my credit profile. Consequently, I insist on its immediate removal from my credit report to rectify the damage it has caused to my financial standing. 

I kindly urge you to undertake a thorough investigation to validate the accuracy of this information with the creditor. Should it be verified as inaccurate or unverifiable, I request its swift removal from my credit report. 

Under the FCRA, I understand that you are required to complete this investigation within 30 days and provide a response to my request. Therefore, I kindly request that you expedite this process as much as possible to alleviate the adverse impact on my credit. 

Furthermore, I request that you acknowledge receipt of this dispute letter within 10 business days and provide me with a case or reference number for tracking purposes. 

Thank you for your prompt attention to this matter. I am dedicated to resolving this dispute in a timely and cooperative manner and sincerely appreciate your assistance in helping to maintain the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NJ
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:
On this account XXXX XXXX XXXXXXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.

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 2022-08-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-01-12
Company: EQUIFAX, INC.
State: IL
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:
We sent a certified letter to Equifax on XX/XX/2020 and have not seen any progress on the removal of the fraudulent credit application. All the other credit reporting companies have followed up and remove said dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: TX
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation