BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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: Was not notified of investigation status or results

Complaint:
I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the 30-day period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

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 2022-11-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BMO Harris has charged my account over {$250.00} in overdraft fees for charges that were reversed by them ( bank error ). Instead of allowing the charge to bounce, they allowed it to process, come out of the account, then reversed it 24 hours later and charged fees. This has happened multiple times for the same charge, resulting in hundreds in overdraft fees, with none of the bills actually being paid to the merchants. This is unfair and predatory for businesses going through rough times in a pandemic. 

I have reached out several times since late XX/XX/XXXX/early XXXX about the fees. Each time, I was told by the person on the phone that a manager has to reach back out to me about this, but no one reached out until today XX/XX/2021 after the account was closed. My business has been negatively affected by COVID and this is unacceptable. Had they returned my calls when I first requested, I would have qualified for the COVID relief program for overdraft fees and this would not be an issue. 

This situation and the fees are all bank error and I would like them to be reversed ASAP as I will not be paying them through a collections department or agency. I intend to speak with a lawyer about this if not rectified.

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 2023-10-27
Company: Colony Brands, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi Swiss colony made my credit score go low I told them I was paying the XXXX XX/XX/XXXX they report me for now paying not fair I told them am struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and found Erroneous accounts and inquires which are not mine, as I have been a victim of ID theft. This needs to be removed from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted ( unsolicited ) by XXXX XXXX who claimed to be representing my mortgage loan servicer " Freedom Mortgage '' about refinancing at a much lower rate. I told him to send me information via email since I did not want to agree to anything over the phone. The email he sent from had a domain name XXXX, which does not appear to be affiliated with Freedom Mortgage. This appears to be an attempt to gather personal information. 

When I received the " documents '' to sign, I was asked to " login '' using only my State, First and Last name. No account setup at all nor was I directed to logon to " Freedom Mortgage 's web site. The person contacting me also did not have access to send me a message within the Freedom Mortgage site, which is a strong indication that it is a scam. 

Please post and share that cold calls for a refinance are nearly 100 % a scam and should not be entertained.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2020-03-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX I was approved for a line of credit of {$2600.00} from PayPal credit through Synchrony bank. On XX/XX/2023, I tried to use my card to buy items, but the transaction was denied. I was then locked out of my account saying that I was fraudulently trying to use my account. I had to submit a picture of my driver 's license to prove that it was me trying to use my own credit line that they had just given me. I finally called Sychrony bank on XX/XX/2023 and they told me that my account " looked '' like it had been flagged possibly due to it being a new account and this is why I could not use the card. They told me to wait about a week and try again. So, I did. The same thing happened to me. I called PayPal and they told me that it was on the Sychrony bank side of things. Once I spoke to Sychrony bank they told me the same thing that I was told on XX/XX/2023. " It looks like there might be a hold on your account and to wait. '' This to me is fraudulent. They give people lines of credit, hold the credit, it affects my credit, and now still a month later I can not use it. Something needs to be done about this company now.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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 have filled numerous complaints with XXXX and XXXX and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2017 I sent a letter that stated after reviewing my credit report I notice incorrected information that I was unaware of, I asked that AR Resources Inc. send me the name of the hospital/medical provider and a detailed breakdown of the fees I owe as well as a copy of my signature with the provider of service to release my medical information to AR Resource Inc I received a response from AR Resources inc with a detailed bill but nothing with my signature from the provider of service to release medial information also nothing with my signature that this bill belongs to me, withholding this information is a violation of the FDCPA as AR Resources is still reporting this bill from the collection agency ( AR Resources Inc ) Thank you below is the letter that I sent to AR Resources Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. and all that I received back was a itemized bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Cashapp has been experiencing outages. For over an hour, I had no access to send or receive funds. Nor could I use the funds in my account. When I attempted to speak with Customer Support, the website said it was no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: FISERV INC.
State: GA
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:
On XX/XX/XXXX we received a email from XXXX XXXX XXXX saying there was a hold on our account because of increase of sale volume. Only after we noticed we havent been receiving all of our deposits since we started the account in XX/XX/XXXX we were only receiving partial payments so we called XXXX, XXXX  XXXX  and first data to inform them we havent been receiving the complete amount being deposited daily into our account and that only partial payment have been received from there services since XX/XX/XXXX. They gave us different numerous numbers to call because they had no ideal on what to do in this situation and who to talk to about these funds being held. XXXX  XXXX  completely stop giving us our payments on XX/XX/XXXX instead of partial payments we have been receiving since we started the account in XXXX. We are owed XXXX from this credit card processing company. They have withheld our finances since XXXX and they have taken XXXX on XX/XX/XXXX for no giving reason nor can they explain where those charges were for. On XX/XX/XXXX they took XXXX and couldnt give reason why and on XX/XX/XXXX charged my account another XXXX all in one month for charges and the supervision at slice couldnt explain or understand the reason my account has been charged so much. We were told that our account funds will be released in 1 to 2 business days and its 2 months later and we still havent received anything from slice but a charge on our account when our account was on hold until further investigation. We have not used slice none in XXXX but yet there is a charge of over XXXX that has been charged to our account. We have talked to many representatives but its getting exhausting because we are getting the run around with this and that person handling our account but no one knows where these charges were accumulated from or why our funds have not been released after sending over all of the necessary documents XXXX times and being verified through there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
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:
Hard inquiry on my credit report Pentagon FCU XXXX XX/XX/22 I have no idea how this got there this is something fraudulent on my credit please 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$24000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an online transfer as part of a new savings bank account opening on XX/XX/2023 with Citizens Bank online. The transfer was done online using their online form. 

The account was opened and the funds were withdrawn from my XXXX  XXXX XXXX, however the funds were not deposited into my new savings accounts. When checking online Citizens showed that the funds were being returned, however they were never returned even after a week of calling many of their contact numbers. They keep transferring me from one number to the next but no one is able to help me. They told me not to go to a branch since the branch can not see online transactions. 

Currently I keep calling their numbers and they keep transferring me from one to the other.

Company response to consumer: Closed with explanation