BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Approximately two years ago, some accounts linked to my name were reported to XXXX and XXXX. I informed both agencies that I had not received any notification from Rocky Mountain Professionals by mail about these accounts. As a result, the said accounts were subsequently removed from my credit record.Last month, I received another bill from Rocky Mountain Professionals with added accounts and detailed transactions up to XX/XX/2023. Upon contacting your office on that date, the representative I spoke with introduced herself as a debt collector and mentioned that our conversation might be recorded. When I inquired if it was indeed being recorded, she confirmed in the affirmative. I then proceeded to explain that the bills from XXXX XXXX and XXXX XXXX were disputed due to a lack of prior notice, a reason recognized and acted upon by the credit reporting agencies.I formally requested a detailed breakdown of all accounts, a request which was made XXXX days ago. However, on today 's date, XX/XX/XXXX, another representative contacted me, seeking clarification on which account breakdowns I was referring to. After I reiterated my request for a comprehensive breakdown, he informed me that I would have to wait an additional 14 days.Given that Rocky Mountain Professionals is located less than XXXX miles from my residence, and considering that I've already waited for XXXX days, I find the further delay of 14 days to be concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have some unauthorized inquires on my TransUnion credit report that I want removed immediately. The details are included below. 
XXXXXXXX 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 XXXXXX/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 2023-02-18
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I was unable to make a payday loan with XXXX XXXX XXXX that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my XXXX XXXX. I paid to XXXX XXXX XXXX an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX. 
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX XXXX XXXXXXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We bank at Chase. 
During our depositing of a large check we were approached by bank personal to open a private client savings account with a promise of a bonus XXXX if we deposit XXXX with 90 day hold on money in the account. 
The private client representative opened the account for us and money ( XXXX ) was transferred on XX/XX/XXXX. 
over 90 days later we inquired about the bonus from said banker and were told to wait 10 days. 
15 days later I contacted online support and were told bonus code was not applied and i should call " you may contact your Private Client Banker at XXXX for assistance. '' - sent XX/XX/XXXX XXXX XXXX  by online support. 

After calling, I was sent to costumer support because banker did not pick up phone. 
They emailed him and promised 7 days response. No response was given. 
It is now XX/XX/XXXX and still no bonus was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 {$1200.00} was added to overdraft when {$1100.00} was transferred over on XXXX and I added up the cost and it was not overdrawn at all! I called US Bank four times to speak with a supervisor and was told I would get a call back but it instead they transferred over another {$1200.00} over and never returned my call to explain at all! I would like my money back ASAP!

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 2023-10-05
Company: Imperial Recovery Consultants, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company keeps calling for someone who isnt me and leaving a XXXX XXXX saying that there is a XXXX  waiting to be delivered. This is a clearly a lie to get XXXX XXXX to call them back. Im NOT that person, Ive blocked several numbers and this tactic continues for over a year. When I called back the number from a rerouted phone to tell them to stop calling, its IRC who picks up. I told them to take my number out and she hung up on me. I called back and she said I just spoke with you and I said yeah and you dont know what number to even take out Like stop harassing the WRONG PERSON and stop being shady about who you are

Company response to consumer: Untimely response
Consumer complaint received 2023-09-11
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 rewards from credit card

Complaint:
I have been a customer with Capital One for the past 25 years. I've never missed a payment and have paid on time in full each month since I have been with them. My current card provided a 1 % reward on all purchases. 
I recently lost my card and asked for a replacement which was received in about 10 days from my request. 
After using the card for a few days was refused by a vendor. I called Capital One and was advised that a restriction was placed on the card. The customer service rep indicated that she did not why the restriction was applied but indicated she had removed it. 
The following day I attempted to use the card again and again it was refused. 
Once again I called Capital One and was advised the the restriction was reapplied. I asked why and was told they did not know. I asked to speak with a manager and was told they did not know either but that they would not speak with me until I provided them with a photo of my driver 's license front and back. I gave them the DL number but did not see a reason to provide them with the photo as there have never been any problems with identification for the past 25 years. Again, all bills have been paid to date. 
I decided to cancel my account with them and cancelled my account after all debts had been paid. 
When I requested my Reward balance of {$550.00} they refused and advised me that as I had not provided them with the photo ID they would not return the reward. 
As the photo ID was demanded when this issue arose as opposed to anytime in the past 25 years I did not think it was appropriate and was tantamount to extortion of sorts and was used as an excuse not to return what was agreed to regarding the conditions of the card. 

Please let me know if you require anything in addition to the above. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed I had 11 late payments on one reporter, five on XXXX and the account was removed on XXXX. I was never late on these accounts and the consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with Maxium Accuracy. I have never been late on payments for this account ( XXXX XXXX ) Acct XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as I was NEVER late.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and XXXX everytime the dispute results come back verified. Either company investigated my dispute for XXXX XXXX  XXXX  or XXXX XXXX. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for XXXX and XXXX wasnt about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX auto financial and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions

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 2023-01-09
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid 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:
My Venmo has {$1000.00} dollars and it will not let me transfers to my bank I have spent hours on hold with them. I need to get my money out of venmo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's Experian XXXX XXXX and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank 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 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them 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 2022-10-08
Company: Mortgage Research Center, LLC
State: MI
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:
XXXX VETERANS UNITED HOME has ran my credit several times without my consent. on XX/XX/2022 XX/XX/2022 XX/XX/2022.

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 2020-06-18
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 PNC made a change that prevented me from being able to sign up for any apps requiring my checking account, specifically XXXX. I need access to my financial data and am unsure why they are preventing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Starting in the month of XX/XX/2022 on my Suntrust/Truist bank account they charged an overdraft fee that was not legit that caused the account to overdraw and then every subsequent charge that day also had a fee. There would have been a total of five charges that day that would have cleared and not have overdrawn the account. When I called the bank they say to call corporate and corporate ignored me and said the charges were legit. I went into the location and the woman I met with agreed these charges were not right but could only refund one of the 5 disputed {$38.00} charges on the business and 1 {$36.00} on my personal and said the manager would have to do the rest but he won't call me and has yet to do so and they have done this again in XX/XX/2022 also on this account and on my personal account. No one is willing to resolve and can not even get the debit card for an account I have with them sent to me.

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 2020-08-21
Company: Mr. Cooper Group Inc.
State: VA
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's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru nationstar/ mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
my auto loan with navy federal is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a finance manager at the dealership please remove the late payments off of my consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I XXXX XXXX XXXX was denied an extension of credit by U.S. Bank on XXXX XXXX for a consumer credit transaction thru XXXX XXXX XXXX XXXX XXXX. It is indeed against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). U.S. Bank assumes civil liability pursuant to 15 U.S. Code 1691 ( k ). U.S. Bank has violated my federally protected consumer rights. 15 U.S. Code 1681m, 15 U.S. Code 1642, 12 CFR 1002, I have proof and evidence of U.S Banks discrimination in the letter dated XXXX XXXX making U.S. Bank criminally liable. THIS WILL BE CONSIDERED AN UNAUTHORIZED USE SINCE I HAVE RECEIVED NO BENEFIT!

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