BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To Whom It May Concern : I received a copy of my credit report and please remove any errors of my report. 
I am unaware of negative accounts on my report. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Thank you for your time and help in this matter. 

I have requested copies numerous times and have not receive anything in my mail. Please be advised if I do not receive anything I will move forward with suing. 

Thank you for your time and help in this matter.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
( XXXX ) I opened a Citibank Regular Checking account on XX/XX/2022, which had a sign-up bonus of XXXX after a customer deposits XXXX and holds the funds in the account for 81 days. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX via an ACH transfer from " Institution A '' and another XXXX via an ACH transfer from " XXXX XXXX '' to met the deposit requirement of XXXX for the bonus. 

( XXXX ) On XX/XX/XXXX, I linked the Citibank Regular Checking account to " Institution C, '' my main bank account, so " Institution C '' made ACH transfers of XXXX and XXXX on XX/XX/XXXX for account verification purposes. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX from " XXXX XXXX '' into the Citibank Regular Checking account. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I attempted to withdraw XXXX, the amount that is not needed for the XXXX account balance for the sign-up bonus, from the Citibank Regular Checking account and deposit those funds to " Institution B. '' As shown in sections ( 2 ) and ( 4 ), Citibank readily accepted deposits via ACH transfer from " Institution B '' on XX/XX/XXXX and XX/XX/XXXX. Given that the Citibank Regular Checking account and " Institution B '' seemed to be connected and accepting ACH transfers, it seemed reasonable to expect Citibank would transfer the funds to " Institution B '' without issue. 

( XXXX ) On XX/XX/XXXX, " Institution B '' informs me that there was a failed transfer to my account. Surprised, I attempt to log onto the online account dashboard provided by Citibank. When attempting to log on, the Citibank website instructs me to call customer service with " Error Code MFA. '' On XX/XX/XXXX, I call the supplied Citibank customer service number and while speaking with customer service, I am given an additional Citibank number to call to learn more about my account. 

( XXXX ) On XX/XX/XXXX, I call the new Citibank customer service number and eventually am informed that my account with Citibank has been terminated and no additional information will be provided over the phone. I call the same number again to attempt to confirm that my account has a balance of XXXX and learn if the funds will be returned to me. Citibank customer service refuses to provide any information to me regarding any account information, which leads me to believe that Citibank is keeping the funds that remained in the account or has no intention in helping me locate the funds and their eventual location.

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 2017-07-12
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020, I tried to open a bank account and the bank teller told me that someone else was using my social security number but didnt provide a name. I tried to buy a car and still couldnt. I want to get this solved as soon as possible. I provided documentation of my identity and the bank teller said to go to the social security office to solve thus out. However, I submitted a report and I havent had a response.

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 2018-01-01
Company: DISCOVER BANK
State: FL
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:
Discover kept billing me a return fee for a bank account they incorrectly set up on my account by using the wrong routing number. Been trying for months to resolve the issue and they kept billing me return fees and negatively affecting my credit score. Money never came out of the account because Discover never sent ach payment to the right bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Trying to put a Fraud alert on account with Experian. I called last week, held on forever never did get to talk with anyone. Called this morning got an offer for 100 dollar certificate, could not get past that advertisement. Called # 2 this morning Go through I think it was 4 offer of free junk. NOTHING IS FREE NOT EVEN FREEDOM ITSELF. ( 100 % DAV ) Someone answered asking about another 100 dollar certif. I kept telling them not interested. Plus they said that certif. would be a little charge. My response not interested the lady did take my name -- what for I do not know.. Told her I wanted to put a fraud alert. This just happened to be experian. Tried third time answered questions to the computer about more advertisement Put on hold hung up or cut off. Who know what world those computers live in. I saw a story the other day complain to their supervisor, can not seem to get the head honcho computer. I need to also place a freeze on all the credit companies. HA every ones info. will be on the market before anyone can get through. Thank you people for caring, and your service to the American people, even the NFL. Thanks -- 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 2017-12-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. t I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can  allow me to seek damages from a collection agency.

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 2017-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
To whon it may concern. I had a XXXX XXXX in XXXX I was very happy with that and now I have a new XXXX XXXX XXXX. I took out my credit report and I was all shocked. seeing a late payment on the XXXX XXXX XXXX when I called them they told me I was 60 days late .I told them that I never got any letter in the mail they told me you have to know without getting your statement in the mail. But I was paying online auto pay and how should I know that the payment did n't went thru with out getting a letter in mail. Then I went to toyota financial They ignored it. Please help me They should take down the negative late payment from my credit report as soon as possible because i never got any letter or email that the payment did n't go through how in the world should I know to make a payment thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected 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
Consumer complaint received 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Between XXXX and XXXX, I got myself in a bind and fell behind on my credit card payments with capital one. For the last 46 months, I have made 100 % of my payments on every account I own. Capital one agreed to remove the late payments once my account was in good standing. My limit has been increased multiple times. I recently sent a letter asking for the late payments to be removed on both capital one accounts. Due to my excellent payment history Im am asking for assistance in having the late payments removed from both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Account information incorrect

Complaint:
Two accounts on my report have inaccurate date of first delinquency, the reporting information for the correct date is blank or " unavailable '' The accounts are beyond the 7 year statute of limitations for reporting as mandated by the FCRA and are required to be deleted. Experian is refusing to delete. Account XXXX XXXX XXXX, XXXX, date of first delinquency was XX/XX/2012, and FCRA requires this be removed after 7 years. Account XXXX XXXX XXXX, XXXX, date of first delinquency was XX/XX/2012, and FCRA requires this be removed after 7 years. Please comply with the FCRA and delete both of these accounts from 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 2022-04-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a reverse mortgage and I am being taken advantage of by my mortage company RMS Reverse Mortgage Solutions XXXX. XXXX XXXX XXXX, TX XXXX phone number XXXX account number LOAN NO. XXXX. 
-- I was advised by RMS that I owe RMS {$600.00} for a property tax bill they are " CLAIMING '' to have paid on my behalf. They are saying they paid check # XXXX which cleared on XXXX/XXXX/XXXX. 

-- I disputed the claim with RMS and submitted an appeal because RMS has never paid my property taxes because I have always paid my property taxes. My taxes are paid via my checking account which ends in XXXX. I also forwarded RMS my statement from the New York Dept. of Finance which shows my payment history from as far back as XXXX. All payments have been made through my personal checking account. 

-- I have had to appeal 3 times because RMS just simply denies my appeal with no justification or even any notification. I have to literally call and beg for an update and then have to appeal again. Every time I call RMS, I am met with disrespect, and harsh attitude as if I broke the law. I was advised that my loan is in default and RMS is trying to take my property unlawfully.
-- RMS continues to deny my appeal simply stating that " YOU JUST OWE '' the taxes. I have asked all representatives I have spoken with for justification because my supporting documents come from the Dept. of Finance showing without a shadow of a doubt that RMS has not paid  my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from a company called XXXX who is collecting on behalf of Conn 's Furniture. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closing disclosure revised a day before the closing and did not notified me or no one tried to communicate about the loan coasts increased. after reviewing the closing disclosure at the closing table called Chase immediately to speak about it and agent took details and told me someone will call me back, no one has reached me and Closing agent waited for 40 mins and left. sent an email to the team about the loan costs differences, next day around XXXX XXXX  agent responded said someone will call me, after few follow ups Manager called me around XXXXXXXX XXXX and took details, told if its a chase service fault he will adjust the rate extension fee, but later the loan adviser told they can not adjust the rate extension and asked me to pay for it. 

it caused lot of stress and they increased loan costs without notifying and keep adding more fee to loan coasts, and when I ask then they said its a time rush but not responded in timely manner when it close to closing. 

because of their unfair business process I lost the opportunity to get the loan at the interest rate I was locked and stopped the process, also lost my XXXX XXXX  fund of {$500.00}, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX & XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. The XXXX XXXX 7. XXXX  XXXX 8. XXXX  XXXX 9. XXXX XXXX XXXX 10. 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