BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collector sends a us mail letter dates from XXXX or XX/XX/XXXX through XXXX XXXX. We have been corresponding back and forth several times via us mail about getting debt validation and verfication done. I can not see alleged debt is mine unless they can verify the correct amount. This can only be proved by a statement or copy of record of my last payment towards this debt. History prior : The bank I was paying was using a third party collector and sending the money to the bank. In XX/XX/XXXX, this servicer abruptly told be that they terminated all accounts with bank, and no records could I see. The account was gone I was told. All accounts involving my bank, not just mine. 3 months later, bank sends me a letter saying that they sold the debt to the current debt collector who has no knowledge of my payments or how far or how little it was paid off. all they have is the present balance which was given to them by old bank when they bought it amounts alleged approx {$2000.00} The debt collector has sent 3 times a package of statements from original creditor bank with dates through XXXX but no records from XXXX the amount claimed is not found on those it was a higher original balance and no record of payments after XXXX. Therefore debt collector must cease all collection activites, since they are in violation of federal code ck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I closed escrow on the sale of a home that I'm the XXXX XXXX for the deceased owner. The closing funds from XXXX XXXX were deposited into the Estate checking account of XX/XX/XXXX. Late in the evening Bank of America notified me via email that they had placed a hold on the funds until XX/XX/XXXX. I went to a local office the next day and requested the hold be lifted. I showed the office Manager documents that clearly showed that these funds were from the sale of a home. On the XXXX I contacted to Bank again and discussed my concerns with their local Zone Manager XXXX XXXX. She got back to me with the Bank 's excuse that they could not lift the hold. Today I contacted the Bank of America Customer Service number and they continued to state that they could not lift the hold. They stated that they were allowed by law to hold my funds for up to 7 days. The check already cleared the XXXX XXXX account of XX/XX/XXXX. 

I requested that my funds, approximately {$220000.00} be made available. Bank of American refused to acknowledge that the funds have already cleared and refused to allow me to pay bills owed to others with these funds.

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 2022-09-26
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I noticed a couple months ago that there is a {$6000.00} charge to my card and I haven't used this card in years. I have reached out several times and they keep giving me the run-around. They did say it was their mistake, but NOTHING has been resolved. This is not the first issue I have had with this company. My credit has gone down because of this charge and the late fees and 'missed payments ' that go along with this mess. Barclays is the worst company I have even had to deal with.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2015-06-04
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I always make my payment online through my banks bill pay to my mortgage company Nationstar. On XXXX XXXX my bank XXXX XXXX sent a payment to Nationstar and it was rejected I did not know that. I received email form Nationstar that I was late and I called Nationstar to let them know my payment has already been sent to them my usual way by my bank and I see the debit in my account. I got XXXX XXXX on the phone XXXX way to confirm the payment. The customer service lady told me I should wait since it takes a couple of days for the payment to post. Yesterday XXXX XXXX, I noticed the credit in my account called XXXX XXXX and was told Nation Star has rejected the payment again XXXX times that was the reason for the credit and we went through verifying that my Nationstar account to be credited was correct. I called Nationstar and this time when I explained what XXXX XXXX said that Nationstar had rejected the payment twice, Nationstar proceeded to say the reason for the reject was because it has to be certified funds. I asked how certified does the funds has to be, cashiers check XXXX XXXX etc because I could not even make a payment on Nationstar website my account was blocked. I asked why was this not communicated to me earlier so I could have taken care of this sooner than now. I was told they send me mail. I said to them ever since my account was transferred to Nationstar all communications from us has been electronic why did they not send me such an important document the same way but chose to send it by paper mail. Bottom line is I have gone to XXXX XXXX today to make the payment I just do n't think I should be reported to the Bureaus as late when I made the effort to make a payment. If they had told me the XXXX time when I called that my payment was not going to be accepted that way because of the block on the account I could have taken care of the payment before it became late. I can not even refinance with Nationstar because of the late payment. 
If its XXXX intention for us to lose our home its not going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my 3rd attempts to inform you that my current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these all immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.

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 2022-09-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Collection Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They contacted me about my debt XXXX weeks ago. I paid them XXXX dollars. Today they called a place that I did not work and spoke to an employee that was not me about my debt and that I need to pay them. They told them where the debt is and how much to the point where the person is telling me word for word that I owe XXXX XXXX. In addition they called my spouse and told him also about the debt that I owe.. 
They have also been contacting me on blocked numbers. 
Im BEYOND embarrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been calling/mailing the form and going back and forth with CitiBank for over a month now. I simply need the funds to be transferred to another institution. 
Now the CitiBank is saying that they can not transfer the funds because the account XXXX XXXX number is not correct/indicated on the form! NEITHER THE ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER WAS REQUESTED ON THE FORM!!! IS THIS WHAT CITIBANK DOES TO KEEP CUSTOMERS MONEY FOR A LONGER PERIOD OF TIME SO THEY CAN PROFIT OFF OF IT??? 
Can you PLEASE have someone look into this IMMEDIATELY! 
The Retirement Line phone number I've been calling at CitiBank is XXXX and speaking with XXXX, XXXX and XXXX. 

Please contact me at XXXX or XXXX as soon as can and if you need any further details.

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 2021-06-22
Company: Freedom Mortgage Company
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FREEDOM MORTGAGE sent me a letter in attempt to collect an alleged debt but I am a natural person/consumer and now aware of my federally protected consumer rights. FREEDOM MORTGAGE furnished a certain deceptive form ( 15USC1692j Violation ) which showed a alleged debt in a positive not negative amount ( 15USC1692e Violation ( False and misleading ) ) FREEDOM MORTGAGE also has violations of 15USC1692b ( 5 ), 15USC1692f ( 8 ), and 15USC1692b ( 2 ). 

I demand that FREEDOM MORTGAGE be held civilly liable pursuant 15USC1640 and criminally liable pursuant to 15 U.S.C. 1611 I also demand the balance be zeroed out and the account be closed and the consumer, be paid damagers pursuant to 15USC1692k {$1000.00} per violation and actual damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened : {$840.00} XXXX XXXX XXXX XXXX : {$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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX and XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address.

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 2023-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquires listed below on my TRANSUNION credit report are unauthorized and unverified. I did not give these creditors my permission to access my report, therefore I would like these unverified and unauthorized inquires removed from my report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-02-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX of American Express regarding an auto policy refund that was sent to American Express by XXXX from XXXX XXXX XXXX California XXXX XXXX XXXX ). My father passed away on XX/XX/XXXX so I called American Express and XXXX XXXX to close/cancel his account. When I canceled my late fathers auto insurance policy, hes supposed to receive a refund of {$500.00}. When I called XXXX XXXX, they stated that they sent the refund to American Express since my late XXXX uses his American Express credit card to pay his auto insurance. Per XXXX XXXX, the refund check was sent on XX/XX/XXXX reference number XXXX. 

Up to this time, I have not heard from American Express regarding my letter that was sent via certified mail and received on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief