BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 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 of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Colten Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company currently sending out misleading advertisements stating your FHA- insured loan currently with XXXX XXXX XXXX has been identified as one eligible for this potential MI removal program which can reduce your monthly payment by xx.xx $ per month. To accept this opportunity, call our office at XXXX before XXXX XXXX. 

Have your notification number ready and cal out MI removal department at XXXX. 

Demand will be high so requests for information will be processed in order that calls are received. 

The fine print states this program is only for FHA loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: VI
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:
A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a credit score decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX  XXXX hard inquiry on my credit report be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: TX
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:
I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on my 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 explanation
Consumer complaint received 2022-04-30
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, XXXX XXXX PayPal Your transaction with your PayPal XXXX XXXX ending in XXXX was declined Your transaction at XXXX was declined, because there wasn't enough money in your balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX  Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  {$1700.00}  Account number Collection opened XX/XX/XXXX Account type Debt Buyer these accounts reporting on my credit is due to identity theft, my previous address XXXX XXXX XXXX XXXX XXXX CA XXXX was also compromised and used to obtain goods and services. My current and primary residence is XXXX XXXX XXXX XXXX XXXX CA XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2014 my debt of over $XXXX for medical expenses was reported on my credit. I am a veteran since XXXX years old and I’ve  never had any medical bills because the VA gets billed, not me. So please help me get this off my credit and make the VA pay as they should. Or I could just wait for another 3 years for it to expire. My history clearly dictates that I’ve never paid for medical my whole adult life and this hospital trip, stay, treatment is no different. This is the second time filing a complaint with Medical Data Systems, originally held by XXXX XXXX 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 2020-11-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent LVNV Funding LLC a letter requesting validation of debt LVNV Funding LLC claims i owe to them. On XX/XX/2020 i received an itemized list of alleged charges they claim I owe to them. As of XX/XX/2020 LVNV Funding LLC is still reporting these collections on my credit report, which is considered to be a collection activity. LVNV Funding LLC is now in violation of FDCPA and are subject to fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Billing dispute confirmation number : XXXX, amount {$12.00}, XXXX, filed XX/XX/18, per e-mail from Capital One, a temporary account credit in the above amount will post within ten days. Ten days has now passed and temporary credit has not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: SUNTRUST BANKS, INC.
State: NC
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:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from SUNTRUST on my XXXX, XXXX  and XXXX credit report that i did not AUTHORIZED. 

I spoke with the SUNTRUST Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by SUNTRUST i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by SUNTRUST. 

They did not remove those unauthorized hard inquires from XXXX, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX and XXXX on XX/XX/2018 and was told SUNTRUST never contacted them.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
These inquiries dont belong to me, and these addresses are non mailable addresses so they need to be removed. See attached so many discrepancies with the compliance of my 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 2020-11-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX, I applied for the HSBC Premier Checking account via https : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. You can see what the offer looked like then here : https : XXXX : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. I was directed there after hearing about the deal on https : XXXX, which again also says you must go through that link. There is no reason why I would purposefully deprive myself of the bonus by applying through a different link, and the pursuit of the bonus was the sole reason that I opened through that link. I have contacted HSBC on XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten complaint ID XXXX, and multiple times since. Every time they said that I didn't go through the proper link. HSBC has a well-documented history of claiming that you didn't go through the proper landing link : https : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened several accounts in Bank of Ao and put my money in some exempt accounts The bank garnished my accounts and when the garnishment was released the bank is refusing to refund my money into the accounts

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : TransUnion : 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 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 2019-08-22
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:
inaccurate information on credit report has not been removed from 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 explanation
Consumer complaint received 2018-02-27
Company: PRANCER CAPITAL CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Prancer Capital Corporation has been calling me muilipule times a day every month to try to collect a debt, and leaving detailed messages on my voice mail ( that does NOT have my name attached ) Today for example I was called at XXXX, XXXX XXXX and I declined the call, they then called right back at XXXX XXXX  AND again at XXXX at which point I advised them to stop calling me, and the MANAGER refused stating that they could call me as much and as offen as they liked. 

They have been calling me consistantly twice a day every month starting from the XXXX of the month I have 33 Messages that have been left on my phone since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}

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 explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
Please this is very urgent. I'm an American. I've worked on my credit for the past few years. I'm trying to keep everything accurate.. .my child support is paid off. I'm still getting reports from my credit and it's not accurate. My child support is paid of and the transunion still showing I'm late payments and no payments when clearly I've paid my child support. Please anybody out reading this. My child support is paid off and I don't owe. Why am I getting no payments on my reports. Why is my credit getting hit when I. Not behind on my payments. My child support is getting paid by the XXXX XXXX log in. I have payments t history that i have sent as attachments. anybody. Can fix this. I'm an American

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 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion was notified of this fraudulent and unauthorized inquiry on XX/XX/XXXX, immediately when it was noticed. Transunion was also notified on XX/XX/2022 as well as a compensation of {$1000.00} was demanded in accordance with the law for their violation. Transunion responded over 50 days later, which was way far beyond the 30 days allotted by law. The claim was closed without resolve and compensation. It is now over 6 months. Transunion continues to violate their duties as a consumer reporting agency and in doing what is fair and equitable to me, the consumer. This is willful neglegence.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXm 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/block any items listed 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I invested {$2000.00} to start a Health Savings Account with XXXX   XXXX  a NY Mellon Bank. On or about XX/XX/XXXX, I noticed strange transactions on my on-line statement. I had used the account on XX/XX/XXXX two times to make a payment totaling {$520.00} to a medical provider. However, the account transcript showed a XX/XX/XXXX withdrawal for {$1900.00}. On XX/XX/XXXX, there was a deposit for {$3500.00}. Again on XX/XX/XXXX, there was another deposit for {$3700.00} ( both marked tax year XXXX. ) On XX/XX/XXXX, the account was debited {$7200.00}. In fact, the XX/XX/XXXX withdrawal of {$7200.00} was payable to XXXX XXXX XXXX. This name is not part of the account ; we have no idea who this is and do not recognize this name as a payee or medical provider. 
None of these transactions aside from the XX/XX/XXXX {$520.00} withdrawal were done by me or any family member. In fact, on XX/XX/XXXX, I submitted an affidavit of unauthorized/ improper direct pay activity to XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, New Jersey, by certified mail. There had been no formal written response as promised. Not hearing from XXXX XXXX, I called several weeks later to a customer service agent, who said they would check. The agent eventually said the investigation was concluded and that somebody had used MY IP address and created a new e-mail account, and accessed my online bank account ... I did not perfectly understand the spoken voice of the agent ; I do not recognize the email nor did I authorize anyone to change the email on file. I was told the account was closed. I challenged the agent on the telephone why a written responseor any responsehad not been sent to me aside from the call we initiated. 
I have lost {$1400.00}, plus the time accrual of the account, plus the time taken to address this issue.I requested a written responseand satisfaction. On XXXX after many calls and contact with XXXX  -NJ, I  finally recived a transcript of the so call " Operation Team '' showing were the unauthorized transaction originated, somewhere in California .My money has been stolen. XXXX XXXX either maliciously or carelessly blame me for this unauthorized transaction. Do not open accounts with this bank.

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