BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

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 2022-10-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have three American Express cards with you I have a Delta card I have the Hilton card and I have I think its called an every day card Ive been a customer for mini mini years a good customer but When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX  1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. AFNI INC. Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland credit management this past weekend Around XXXX to XXXX contacted a third party about Me allegedly owing money to XXXX XXXX. 
The third party they contacted was never listed on the credit card or application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX  # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name XXXX U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause t

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 2019-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my XXXX credit card account without warning, and I lost access to all statements online, which made it very difficult for me to dispute fees that BoFa charged on that credit card.

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 2018-12-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a Fraudulent ATM Withdrawal done on my account for {$500.00} in XXXX, CA which is over 70 miles from my residence in XXXX, CA. The Representative informed me that there were several declined attempts as well, was also informed of declined pin attempts as well as declined transactions after the fact all verifying fraudulent activity. US Bank declined my claim because I didnt file a police report even though video surveillance verified it was not me on camera making withdrawal, and under Regulation E they can not legally require a police report and I can not drive 70 miles to make a police report in XXXX, CA.

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 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 The credit bureaus stated that the account " XXXX/DEPT OF ED '' ( account number : XXXX ) & the account " XXXX  '' ( account number : XXXX ) was properly investigated but how is that possible, if I didn't consent to these things being put on my report. This is a violation of my rights and grounds for removal under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my WRITTEN instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: IL
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 previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 called the bank asking for assistance in disputing transaction from nonrespondong vendor due to incomplete work and dalse charges.Cap One agent promised to send me a follow up letter, I never got it.By accident I found out I need XXXX XXXX fax over, which I did timely.Now they claim thry never got faxed documents and yesterday I received an email communication that my charges were reversed because I failed to provide a paperwork. 
I called to complain and asked them to look at fax better, they offered me an email to upload which I did and they still did not reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The hospital submitted the insurance information in the wrong order and waited to notify us after the statute of limitations was up. 

Secondly, the collection company had my entire hospital file a breach of my HIPPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update 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 CR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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 submitted a letter to the 3 Credit Bureaus to update 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 CR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

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 2021-05-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from Huntington National Bank dated XXXX that an XXXX checking account was open online XXXX. On XXXX I called Huntington and opened a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Security National Automotive Acceptance
State: AE
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
In XX/XX/2012, I was preparing to XXXX to XXXX so I went into the XXXX XXXX website to fix allotments to make sure that my finances would be taken care of while I was XXXX. I accidentally deleted the allotted for SNAAC. I had no idea until XXXX XXXX who happened to a Representative for them at the time made attempts to contact me in XXXX by email, but since I was often out on missions she was unsuccessful. She contacted me via XXXX XXXX which in hindsight seems to me like an peculiar way to contact someone for debt collection. She threatened to contact my XXXX XXXX at the time, which she either did or someone from the Rear Detachment at XXXX XXXX   gave her XXXX XXXX 's email or relayed the message because I got a stern talking to from XXXX XXXX about paying my bills on time and threats of XXXX if I didn't take care of the problem. I took care of the issue as soon as I was able to get to a computer and then applied for refinancing with XXXX XXXX XXXX XXXX upon my return to the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Charlottesville Bureau of Credits, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered an unknown account on my personal credit report. I contacted the company by way of registered mail twice and I have not heard back from them. However, the credit bureaus allege that XXXX XXXX XXXX says the account belongs to me. I have know knowledge of what the account is for or whom the original credit is. I was not afforded the opportunity to dispute the unknown allege debt- it was just placed on my credit. I was told they can not do that and its against the FCRA. I have also contacted the Attorney General, FTC and your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: R.M. Galicia, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I did not have any big medical expenses for my daughter after 2019. I have always paid in full all medical bills. but now I am getting bill from some debts collection company saying that I have some medical bill due for my daughter against which they had not provided much information. it seems to be some fraud company and if legitimate they are expected to provide me exact details which they are not ready to share.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair credit report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX  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 a 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 2020-05-29
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:
Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.

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 2022-08-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was sold to Mr. Cooper many years ago. Early this past spring, I had gotten a tax bill in the mail that I didn't quite understand and I called Mr. Cooper to clarify and confirm that I did not owe extra property taxes. I was assured that everything was taken care of on their end and that any delinquency fee would not be taken out of my escrow because it was not my fault. I left it at that and more or less forgot about this. This past summer when they re-evaluated my escrow, they concluded that my taxes were nearly double what they were previously and due to that, my mortgage payment went up about {$700.00} per month to cover the escrow shortage. I called their customer service to inquire about this, hoping it was a simple mistake, and I was told that my taxes went up. This did not make sense to me as I live in CA and XXXX XXXX keeps property taxes from spiking from year to year. I spoke to multiple customer service reps with Mr. Cooper and they all insisted that I was mistaken and my taxes, indeed, rose significantly. I spoke with the local tax bureau and discovered that Mr. Cooper had missed one of my tax payments, despite having record that the payment was made. After much digging and poring over statements, I discovered that because of this missed payment, the next bill included the previous installment that was supposedly already paid plus a delinquency fee. Mr. Cooper calculated that bill as being only a 6-month installment and calculated my next year 's taxes accordingly which resulted in my projected taxes essentially doubling. After many hours on the phone, I have finally gotten them to fix the projected taxes for next year. They said they actually did pay the missed tax payment but because it was not the correct amount, it was not applied to my taxes and put in a " suspense account '' instead. I have been informed that when the refund comes from the county, they will credit my account. This still does not address the delinquency fee. This fee should not be my burden to bear as it was not my error. I am not happy with their record-keeping and labeling on my escrow analysis, as they still indicate my past year 's tax amount as the errant amount and I am, at this point, completely untrusting of this company 's honesty and thoroughness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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 disputed information on my credit report and the CRA states they have verified the information. This particular account I was taken to court for and the judge ruled in my favor. I did submit a copy of the findings with my dispute. If the company can't prove in a court of law that I owe the debt then why is it allowed to be on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation