BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
i went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
AMERICA First Credit Union is changing people 's long time holding checking accounts over to a premium checking account option without permission. I signed up and started with AFCU because of their member benefits and their free checking account. They are unethical, without permission, changing my account to something I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: SC
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 been a victim of identify theft theres tons of inaccurate information on my credit report and i cant get any help I have tried sending letters and making a complaint I HAVE EVEN CONTACTED SOME OF THE LSTED PARTIES WAS ADVISED WILL BE REMOVED BUT NOTHING HAS BEEN DONE. 

Please help me remove the several mailing addresses I only have this address ALL others should be removed ; Correct address XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts ARS ACCOUNT RESOLUTION # XXXX, # XXXX, # XXXX, # XXXX, Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above company and I request again that proof of Claim and verification. I am filing a complaint over XXXX XXXX violation as well. I am not sure how my personal information ened up at the office of ARS ACCOUNT RESOLUTION

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 2018-02-06
Company: Designed Receivable Solutions, 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:
Designed Receivables account with XXXX XXXX XXXX XXXX is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX XXXX as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the XXXX credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Happy Money, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Payoff.com fraudulently and maliciously told me I was fully approved for a {$25000.00} loan that they advertised and offered to me. They had already verified the truthfulness and veracity of my credit report, my bank account, and my employment/income. They only illegally denied me, and in the process irreparably damaged my credit through no fault of my own, because I was shopping around for loans ( they never told me not to shop around for loan rates - even though such a request would be illegal ). Payoff.com is a crimInal racket run by scam artists on unsuspecting consumers and they need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Wife and I purchased our home XX/XX/XXXX on XX/XX/XXXX our loan was transferred to XXXX XXXX on XX/XX/XXXX our new mortgage provider Flagstar Bank sent a letter asking for proof of Flood insurance. I contacted my insurance company and explained to Flagstar Bank that my Insurance was a combined policy and I did not have a " stand alone '' policy for flood insurance. 
on XX/XX/XXXX Flagstar Bank again sent a request for Proof, which I contacted them, and my Insurance company and had the information sent again. During a phone conversation I was told that my Flood  Policy was substandard and didn't meet FEMA requirements, I again contacted my Insurance Company who told me that my flood insurance was acceptable. 
on XX/XX/XXXX Flagstar Bank again said they needed the proof of insurance, and during a phone call I was instructed that they do not accept bundled policies. 

I have received nothing more until XX/XX/XXXX when I received the escrow statement, and I noticed a payment of Flood insurance on XX/XX/XXXX. 

I have homeowners insurance with flood insurance, and I feel that Flagstar Bank is Forcing me to pay for their insurance when the policy I currently have is acceptable, as it the same insurance that the seller had when we purchased the home. Since Flagstar paid for their flood policy out of my escrow account there now is a deficit and " My '' insurance is due XX/XX/XXXX. This is intentional. as I can not have two policies on the same property, they desire my policy to lapse.

Upon further review I noticed that there is not a single piece from Flagstar Bank explaining why my Policy was substandard. I only got that information via phone conversations.

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 2021-08-23
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: Investigation took more than 30 days

Complaint:
i have reached out several times i have sent police reports and identity theft reports please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
After requesting a balance transfer in the amount of {$12000.00} on XX/XX/2019 I was told that the transfer would be complete within two weeks. I logged on to the two accounts involved and both showed a balance for the amount of the balance transfer ( {$12000.00} of my XXXX XXXX XXXX account and {$12000.00} on my Union Bank account ). On XX/XX/2019, I made a phone call to XXXX XXXX XXXX which is the creditor that was supposed to be credited for the {$12000.00} balance and was told that there are no pending payments on my account. Then I called Union Bank which is the creditor that I requested the balance transfer from and was told that my request was stopped on XX/XX/2019. The representative tried to get a hold of an individual named XXXX XXXX to resolve the situation but was unable to reach her. She provided the direct phone number to XXXX for me to try and call her myself. I asked if anyone else was available to help me and her answer was " XXXX is the only individual that can resolve this matter. '' On this day, I made numerous attempts to reach XXXX and left voicemails for her to call me. I tried to contact customer services again to ask for anyone else that can assist me. All of the representatives, including the shift supervisor were not able to find any other contact. They all attempted to reach XXXX and yet no one was able to connect with her. Union Bank  has caused me extreme stress, and kept me away from my job dealing with this matter. They have neglected to reach out to me promptly to resolve what seems to be a simple issue with their system flagging my transaction. There has been no mail, phone calls, emails, text messages or notifications of any kind. The only way I became aware of this situation is by calling them myself.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I mailed a method of verification for several accounts on my credit report for XXXX ( XXXX ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/2023 but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

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 2023-07-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland credit bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: NJ
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:
The inquiry on my credit report was hard inquiry the companies told me they were soft inquiries and wont show on my credit report, This is not the case at all. I asking for all inquiry be removed from my credit reports immediately.

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 2019-10-28
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking and savings account with Citibank since they kept emailing me promotions. I deposited two checks, one in the checking account and one in the savings account. Checks were drawn on my wifes account. On XX/XX/19 Citibank returned these deposited checks as altered/fictitious basted on the information they received from my wifes bank. I contacted citibank and explained to them that they were good checks and that the other bank made a mistake since they didnt update my wifes signature card when she changed her name to married name. Citibanks loss prevention asked that I submit a notarized letter from the other bank to prove it. I submitted that letter and Citibank even contacted my wife to confirm it. I called Citibank to find out if they will rescind their decision to close those account and was told they would based on the documents I submitted. I was told I just needed to deposit cash in both accounts and all holds would be removed. Today on XX/XX/19 Citibanks loss prevention told me my accounts were closed and the employee couldnt give me more information nor could they get a supervisor or manager to assist. Ive spent many hours on the phone trying to resolve it and was asked by them to make multiple trips to different banks to resolve it and it all ended up being a waste of time. I was lied to by loss prevention and essentially wasted a lot time for nothing. Different employees told me different things and promised a positive outcome which was all a lie. Now they refuse to talk to me and just say someone will call you within 24-48 hours. I did nothing wrong and submitted all documents Citibank asked for to clear me of any wrongdoing. They refuse to correct the problem and just avoid taking the time to correct it.

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 2023-07-14
Company: EQUIFAX, 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 this account XXXX ( XXXX XXXX XXXX ) has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: KEYCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Earlier had made a complaint was thought by XXXX XXXX XXXX XXXX call later was against XXXX although do not have complaints for XXXX XXXX XXXX my complaint is for key bank although not against key bank systems or XXXX XXXX my complaint is against a scam by man named XXXX XXXX XXXX said he would give a government loan although he said as well pass code is XXXX later key bank closes my account XXXX asked for 45 day notary republic the cost of paying alln white money for a loan I never acquired afterwards the cost was double original amount for scam I talked to XXXX XXXX of XXXX XXXX with info to had to pay gone to collections amount with key bank gave same info to XXXX XXXX if special investigations to never was compensation same with XXXX XXXX civil rights for list stolen items in wa XXXX California state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: NJ
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 am victim of identity theft and these accounts that i listed is not mine. i listed the items in the attched fromed. i need these items removed asap. i am victim and someone use my info and name. this is is stopping me from moving forward with my life. please remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

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 2019-10-28
Company: St.John Cobb Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ss # XXXX ST JOHN COBB INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below,  please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Summary : US Bank charged me {$100.00} worth of checking account fees despite me being eligible for a free checking account with them. After talking to their agents they agreed that their fees were bogus but they were only able to refund {$59.00}. I spoke with a manager at a local US Bank Branch in XXXX, CO and she promised to refund the remaining {$44.00} promptly. This still has not occurred after almost two weeks of waiting. 




Timeline : I opened a checking account with US Bank on XX/XX/XXXX The bank charged me a {$14.00} fee every month and refunded the amount right away since I met their eligibility requirements for free checking. 

On XX/XX/XXXX the bank stopped refunding the {$14.00} fee with no notice. There was no change in my eligibility status and no reason for them to start charging me for banking with them. 

I noticed that I was being charged in XXXX of XXXX and I called the bank. They told me they will issue a refund for all of the fees and fix my account. Instead I received a letter a few weeks later saying they can't find the " transaction being despited '' and did NOT refund any money. I was charged {$14.00} again in XXXX with no refund, this brought the total number of incorrect charges to XXXX for a total of {$100.00} I called again in XXXX and the agent agreed that I should not have been charged the fees but she was only able to refund the last 3 months ( for some reason ). I told the agent that this is nonsense and after some back and forth she was able to get me a refund for 4 months and stated that the other 3 months will be refunded later. 

Nothing happened for two weeks and I called again and the agent claimed that she can not issue me a refund for the last 3 months ( {$44.00} ) and that I would have to go into a branch to do that. 

I went to a US Bank Branch in XXXX on XX/XX/XXXX. The manager there agreed that the fees were nonsense but that she couldn't do anything. I told her that this is unacceptable and after some back and forth she agreed to refund the remaining {$44.00}. 

It has been 11 days since that conversation occurred and no refund. I will be going back to the bank again 2 weeks from now when I am back in 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 monetary relief