BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me ... XXXX XXXX XXXX, XXXX, were paid and satisfied as agreed ... Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose or otherwise not compliant allegation 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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All addresses on my report should be removed except for 2

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 2019-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A couple months ago I tried to open a USAA account. A day or two later I tried to access it. I was given a message saying " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I called this number and they tried to help me. The lady at the time was very friendly and assisted me thinking it had to do with my last name, because I have a hyphen. We changed that and I was told to wait a couple days before accessing it again. I did that and had the same error. I wasn't that disturbed because I wasn't in need of a new bank yet. Now that I have PCS 'd I am in dire need of a new bank account. I had just today contacted them again. Now they tell me that I am not eligible to even have an account with USAA ... There explanation was " We are exercising our rights not to do business with you ... '' I am extremely irritated ... They listed numerous possibilities why I could have been banned. Fraud and bankruptcy were a couple of those. I have great credit, no criminal history and never been bankrupt ... No other annotation were left, so the rep couldn't help me out ... They wouldn't allow me to talk to the fraud department and just told me " yeah sorry, we just can't offer you our service any further. '' Would never recommend them to anyone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: TD BANK US HOLDING COMPANY
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 have someone else names and another social security number on my credit report. All inquires and negative credit belong to the second social security number. My SS # ends in XXXX and there's another ending in XXXX with names i do not recognize. i have never had a Target card, XXXX card, XXXX or XXXX XXXX. I have never made inquires to any credit unions or car loan places. I have not bought tried to buy or want to buy a car or get a car loan. I have disputed this with the credit bureau several times. it looks like most of the fraud happened in 2013. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later XXXX XXXX XXXX XXXX make a move with XXXX XXXX XXXX XXXX XXXX , XXXX a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and Black list for ever atleast in your Department.

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 2018-02-02
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive multiple calls on almost a daily basis from different numbers. Voicemails stating an important call from a debt collector.. Midwest Recovery Systems ... I know for a fact I do not owe a debt and I read online that this company is accused many times of fraudulent claims. I have not called the company back because I do not want to waste my time disputing a false claim and potentially becoming at risk for higher involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: T.S. Holdings
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: Their investigation did not fix an error on your report

Complaint:
I disputed IQ Data International " XXXX XXXX XXXX CA '' with XXXX, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both IQ and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX " XXXX XXXX XXXX CA '' with transition, XXXX, and XXXX due to not having any relation to this creditor. I applied at XXXX XXXX and they ended up not signing the lease and pursing with my residence. Yet, they decided to report a balance on my credit report. I have ask all three credit reporting bureaus to review my documents that I mailed to both XXXX  and XXXX. I listed all relevant documents that prove. I have no relations to XXXX XXXX. XXXX did not conduct a through investigation and did not provide the results in writing like I requested in numerous letters. They updated my credit report as the issue was resolved and that the creditor provided a certification to them that the information was accurate. No documents were provided that backed up their claim.

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 2019-05-15
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 - Negative account added to credit report from Midwest Recovery Systems. I have never heard of this company, nor had any correspondence with them. This is not a debt I owe anyone and is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: VA
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 Filed a dispute with equifax to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was in delinquency ). Equifax provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

I provided equifax with evidence ( a letter issued by XXXX ) showing dates currently being reported by equifax as inaccurate. Account was not late, but in forbearance. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account.

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 2019-01-02
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Other fee

Complaint:
Amex XXXX Cardholder for over 10 years. XXXX stated on annual fee of {$450.00} for my wife and I ( joint account ). For the first time since opening the account we have been billed an additional {$170.00} annual fee for my wife which is not part of the T & C 's and Amex will not honor the disclosed XXXX 's after multiple calls. This is a clear UDAPP issue and no prior notice has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 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 2019-07-04
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2019, I filed a dispute advising Equifax that an item appeared on my credit report that I was unaware of and must be a result of identity theft. This item was with XXXX XXXX / XXXX XXXX. Equifax verified the item and updated it. When I informed them the info was wrong they requested I send them a FTC report or police report. I then faxed them this information to the fax line with my identification and social security card. Instead of removing this item, Equifax removed nine other accurate accounts off my credit history & report and then added two other accounts that were not in my credit file. When I called notify Equifax of this mistake .. Equifax now refuses to provide information on my credit report. And, claim they can not verify my info. I then resent my identification documents and social security card as proof of identity and Equifax continues to refuse to provide information on my credit file. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I called Bank of America and had my account to be closed. A direct deposit was submitted on XX/XX/XXXX for the amount of {$100.00}. On XX/XX/XXXX I received an email stating that the account was closed. On XX/XX/XXXX I contacted Bank of America located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX and spoke to a representative, he stated that he can not help because the account was closed and to contact customer service. I made several attempts to contact customer service, the first time I was placed on hold for a half and the second time an hour

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 2021-11-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern, On Wednesday XX/XX/2021 I became aware a medical bill had been sent to collections. During my visit to this medical location I provided my health insurance card to the employee that came by and asked for it, she didn't seem knowledgeable about insurance but took a picture of my card and all my information. A couple of days later I received another phone call from this medical center stating they needed my health insurance again, I provided my insurance policy number, the name of my insurance, and even googled my insurance 's phone number since they were for some reason unable to get a phone number themselves. I then called again once more myself to make sure they were going to file a claim and had my information correct, because my insurance stated they had not submitted a claim yet. During that call I once again provided my insurance policy number in addition to my insurance 's po box . 

I a county employee and therefore have insurance through my county, and have had insurance through my employer since XXXX.I am not sure if XXXX XXXXXXXX  was unable to submit a claim due to this happening closely to when COVID19 happened and California went into sheltering in place, but regardless I provided my health insurance 3 times. If they neglected to file an appropriate claim even though I had provided my insurance name, policy number, phone number and po box it is quite frankly neglect on them and there was no reason to send me to collections for it. It was inappropriate of them to send this to collections when I provided health insurance and had received no other letters to my home address regarding this. I only realized this had occurred because I saw this on my XXXX credit report. In addition my insurance states that since they neglected to file a claim within 90 days of seeing me it is no longer valid. Furthermore when I called the collections place they wanted me to sign a waiver so that they can still charge my insurance, even though my insurance said that is not allowed. 

I have contacted this Medical Center multiple times since seeing this on my credit report. They keep referring me to different departments all of which appearto have no one in office, making this situation extremely difficult. I have called and left messages and have not received a call back. This situation has wrongfully harmed my credit score as well as my mental health given all the XXXX and XXXX it is causing me since I am unable to reach anyone at this medical Center at all. 

I am glad to provide my health insurance information once more if that it was it takes for this to me deleted off my credit report.

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 2020-06-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to enroll my account in XXXX  to have my money work for me and Pnc will not allow linking

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.

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 2021-08-20
Company: CBC Companies, Inc.
State: CO
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:
After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from factual data. XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from factual data. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: LA
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 been trying to fix a problem with XXXX since XX/XX/XXXX and they continue to lie. They just lied to this Bureau again about not having submitted info on my credit report. On the last complaint I filed XXXX they stated they did not report info on my credit report and I have proof that they have been. I am trying to buy a car and they have ruined my credit with an account that has been investigated over and over and proven not to be mine!!!

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