BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two years after seeing the doctor I received a letter from a collection agency about an unpaid bill. I provided in writing a copy of my banking transaction and asked them to stop. They never replied and began harassing me by phone three times daily. In order to keep the debt active they also created other fake accounts with the same exact amount as the original bill. Please help stop this abusive behavior, I have no one else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX DOB XX/XX/XXXX SS # XXXX my loan # is XXXX XXXX late reporting XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX & XX/XX/XXXX90 days late XX/XX/XXXX 30 days late transunion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX120 & 60 days late XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX 30 days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : 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  Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Balance {$3100.00} IXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
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: 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, 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 to believe that the information is inaccurate.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX FCU  XX/XX/XXXX XXXX  FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX  CU XX/XX/XXXX XXXX  Fd XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Bank XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have been very cordial and cooperative throughout this dispute process and trust you will take this matter seriously. Please see the attached documents. 

Thank you, 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 2020-08-01
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At this time the above finds himself living and doing Business at XXXX XXXX XXXX, XXXX, Florida. Which is in the middle of a Coronavirus hot zone pandemic for the state of Florida during this time I hereby inform my credit card issuers that during the Coronavirus pandemic the above will not be making any Payments until this Coronavirus pandemic is over also please be aware that the above apply for federal government disaster relief and you can refer to case number enclose, your credit card balance with the above has been highlighted as A debt that qualifies for disaster relief within three months credit issuer '' s will receive full payment of the balance, notification of this action become affective immediately as of this time stamp date XXXX SBA Application No. XXXX - Status Update 1 message XXXX XXXX XXXX Fri, XX/XX/2020 at XXXX XXXX To : XXXX XXXX XXXX Dear Applicant, Please see the attached letter for information regarding the status of your application for an Economic Injury Disaster Loan. The SBA understands that this is a challenging time for your business and the nation. We appreciate your patience and understanding as our agency works through the surge of loan application volume during these unprecedented times. Questions? We're here to help. Call us at 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 2020-12-10
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in the process of refinancing my mortgage and the lender asked me to call my servicer ( loancare ) and ask them to pay the taxes due this month prior to closing on the refinance. I have written them through their website ( 4 times ) and spoke to customer service on the phone twice with no results. In addition to paying out the taxes due, I informed them that I received notification that my total tax payment has been reduced by XXXX county. They said they were never notified about the reduction, so I attached the document I received from the county to the emails I sent to them. When I check their website, the taxes are still listed at the higher amount, nothing has been fixed. I am losing patience as I would like to close at my new lower rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information 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 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 called Bank of America, when I received a Pro-active monitoring alerting thru XXXX. I filed a dispute that I did not open the credit line. I provided the Fraud agent XXXX with my account information AND the XXXX dispute number I entered when they denied I opened new credit. After a 45 minute conversation they finally admitted they did receive an application in my Name for a XXXX XXXX credit card and said the application had not been approved and would be blocked. They open the card anyway. XXXX was the manager. I had been advised they went ahead and opened the credit card. ( XXXX ) They opened this despite me filing a dispute and pushed it through.

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 2023-05-24
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Report attempted pull in end of XX/XX/2020 Phone calls made to correct the issue - advised to send paperwork including social security card, state ID, and bank statement. 
Documents sent XX/XX/XXXX, and received ( or supposedly received ) by agents who said " paperwork in process ''. From XX/XX/XXXX until XX/XX/XXXX, I am told that it will take " 5 business days '' repeatedly to process the documents. 

Phone calls back and forth until XX/XX/XXXX. I overnight the documents to their overnight address, and is supposedly received and processed on XX/XX/2020. 

For some reason, the files are still not processed - it has been more than " 5 business days '' and the file is still unrepaired. It was stated that a " social security card '' was not acceptable proof of my social security number. They will not let me have anyone else on the line. They will not let me access counsel 's advice on the line. And no one knows why anything is the way that it is. No one can confirm why I have two file numbers. No one can confirm where the documents are, where they were put. And I am honestly frustrated. 

On XX/XX/XXXX, the day I submitted the original CFPB complaint, I did see some resolution by speaking with an agent by the name of XXXX. He was able to see the documents, and changed the information online. I was able to pull a report, on XX/XX/XXXX that reflected the CORRECT information. As a result, I responded " yes '' when someone asked if everything was fixed. Unbeknownst to me, someone had changed my social security number BACK to the INCORRECT social security number. 

And the original complaint was closed before I could locate my login credentials for the CFPB to respond that it was in fact, NOT fixed, that it should NOT be closed out. 


Attached is a deidentified letter I sent to the credit agency. the original can be furnished upon request

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 2022-11-17
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Kabbage refuses to close my Kabbage checking account despite my repeated requests over several weeks. I've attached a screenshot of their website FAQ describing how to close a Kabbage checking account : they say to bring the balance to {$0.00} and then call to request the account be closed. I brought the account to {$0.00} and on XX/XX/XXXX I called to request the account be closed. That day on the phone the rep confirmed the checking account was now closed. 

However, I learned on XX/XX/XXXX that the checking account was still open and had not been closed ( because Kabbage began sending me fraud alerts of attempted purchases in another state using my debit card ). 

I called Kabbage again to explain on XX/XX/XXXX. That day, the phone rep told me my checking account had not been closed. I asked for an explanation of why my checking account with a {$0.00} balance had not been closed per my XX/XX/XXXX request, despite Kabbage 's own website FAQs about account closures stating that the {$0.00} account would be closed per my phone request. They also told me they refuse to close the account until 60 days have elapsed. 

Kabbage responded to my CFPB complaint with a letter stating that they refuse to close the account until 60 days have elapsed with a {$0.00} balance. 

This response is unacceptable, not in line with standard banking practices, and contradicts their own Kabbage website FAQs about how to close an account ( bring the balance to {$0.00} and call to close -- nowhere does their own site state that you can not close an account until 60 days have elapsed ). 

Today XX/XX/XXXX I discovered my Kabbage checking account is still not closed, and now its balance is {$2.00} despite my having brought the balance to {$0.00} on XX/XX/XXXX to close it ( apparently they deposited {$2.00} in interest on XX/XX/XXXX, despite the account 's balance having been {$0.00} since XX/XX/XXXX ). So, today XX/XX/XXXX, I called Kabbage again and this time requested they close the account immediately and mail me a refund check for the {$2.00}. 

Per Kabbage phone rep reference number XXXX, the rep said she has requested a {$2.00} refund check be mailed to me. She again refused to close the checking account : she said the account must be at {$0.00} for 60 days before they will close it, and the XXXX clock restarts today XX/XX/XXXX ( regardless of my having called to request it be closed on XX/XX/XXXX when it already had a {$0.00} balance ). 

I have never experience this refusal to close an account upon request with any bank, ever. Every other bank I have ever banked with closes checking accounts immediately upon request, regardless of balance. 

Kabbage must comply with my request to NOT keep my checking account open and close it immediately -- not at some date 60 days in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I spoke with an unwelcoming and unruly phone SantanderConsumerUSA Agent named XXXX ( ID # XXXX ) who first rudely told me that a change date request mistake could not be reversed in the system. I requested for it to be escalated to a manager whom I never spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of today XX/XX/XXXX, L J Ross & Associates have violated my rights in multiple ways. On XX/XX/XXXX, I mailed out Certified Mail with signature request a debt validation letter and LJ Ross & associates received and signed for my debt validation letter on XX/XX/XXXX. LJ Ross & Associate decided to report a debt on my credit report before giving me any type of communication ( dunning letter ). LJ Ross failed to send me a dunning letter previously before reporting this alleged debt on to my credit report, which I was never given me a chance to validate or dispute the alleged debt. L J Ross also ignored my written request for validation once I was made aware of the alleged debt with requested documents & L J Ross continued to try and collect by continuing to report and update the debt on my credit report. This has caused me damages. 

Since L J Ross has yet to validate this alleged debt, I am requesting that it is deleted off every credit agency ( ex : XXXX XXXX XXXX ) that they are reporting to. 
12 CFR 1006.30 ( a ) 15 USC 1681n : Civil liability for willful noncompliance 1681n. Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: SYNCHRONY FINANCIAL
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:
I XXXX XXXX entered into a consumer credit transaction with Care Credit. A letter was sent to the credit bureau 's informing them that they don't have My permission to report on my consumer credit report. Care Credit closed my account with no formal letter explaining why.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. This is all so an adverse act pursuant to 15 usc 1681m-Adverse Action and they are in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. This has negatively impacted my credit score.

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: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX, Account # 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.

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 2018-08-13
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didnt know about this debt until it was already on my credit report- I did take my grand daughter to an emergency clinic where we met her dad. 
They had Medicaid and I didnt receive any bills. 
It is also on my credit report twice for the same amount and the same day The collection agency is Paramount Recovery

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation