BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any information about the debt and when I checked my credit it had been put into collections

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 2018-02-17
Company: CHARLES SCHWAB CORPORATION, THE
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About a month ago I lost my debit card from Charles Schwaab. When I called to report the card stolen, I was given a hard time from beginning to end. For some reason my account was marked as having something to do with fraud. I again, explained to them that there was no fraud and I had simply lost my card. A few days later I was told that Charles Schwaab was closing my account, and was never given a reason as to why. 

To me this was a very unprofessional and malicious action.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputes letters because there was inaccurate information on my credit report. its been more then 45 days with no response no nothing. I have sent multiple letters in regards to my issues.

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 2018-07-06
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 XXXX reported unrecognized hard inquiry on my XXXX   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 2021-07-07
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I previously wrote the following Creditor Transfinancial Companies to validate a debt they stated I owned them. Dated XXXX XXXX, Transfinancial Companies sent me my Medical Treatment Record Account from XXXX XXXX XXXX in the amount of {$1900.00} on the Treatment date of XX/XX/2020 for " CRITICAL CARE FIRST HOUR. '' On my patient service bill it states that " These charges are for the services rendered by the emergency dept physician at XXXX XXXX XXXX XXXX. '' I know that this is a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Transfinancial Companies to have access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Was charged extremely high interest rate of 24 % in state of california.It is practicing predatory loan charges and internal scores.I bought a vechicle through XXXX price XXXX.put XXXX down .They financed me through Santander consumer.The car was aXXXX in which I purchased in 2020 I have been making payments every month.What started as a XXXX loan is still a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

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 2021-03-29
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple americollect bills on my reports I am asking for full removal of all americollect collections from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft USAA FEDERAL SAVINGS B Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: CITIBANK, N.A.
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 customer service

Complaint:
I worked well over a year to get a Citibank Secured Card and graduate it. My card was graduated but it was not graduated into the card I had worked all this time to get. I would like my card to be graduated into a Citi XXXX card. I was graduated into a Citi XXXX XXXX card. After three calls into customer support Ive been told that Im out of luck, even though I had stated this was the intended card over a year ago. 

Im requesting my XXXX XXXX be PCd into a XXXX 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 2018-02-17
Company: Experian Information Solutions Inc.
State: MI
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/XXXX I received an alert from Experian that they removed a XXXX XXXX collections off of my credit report. OnXX/XX/XXXX I received an alert from Experian that they inserted a collection from XXXX XXXX. I never received a consumer noticed stating that they were replacing the collection back on the credit report. This is a violation of the fair credit reporting act.

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 2021-07-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

2. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}

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 2021-07-07
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received another letter from Harris & Harris, Ltd.dated XX/XX/2021. I requested them to provide me the information under the Fair Debt Collection Practices Act ( FDCPA ). I requested a VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. They continue to ignore my request and instead they continue sending letters after letters for the same reason. I do not have any knowledge of this account. I am requesting for them to provide me with what I am asking. They need to provide me a validation of HIPAA with my signature on it. In addition, a contract with my signature on it. All my letters were sent certified letters with a returned receipt just to ensure they received my request. Certified number for the first letter is XXXX and the second letter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Investigation took more than 30 days

Complaint:
My girlfriend and I both have a mortgage loan through XXXX XXXX. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.

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 2021-07-07
Company: EQUIFAX, 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 never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. 
The accounts attached below I am demanding a removal as a consumer.

15 United States Code 1681b- Permissible purposes of consumer reports ( a ) In general ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask 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 Commissions 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 explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
my accounts were compromised with fraudulent charges, XXXX   caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need XXXX  to clear my credit report and 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 2018-07-06
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Reference recently closed complaint XXXX dated XX/XX/XXXX. This company has begun aggressively calling my house again after telling me through the CFPB complaint process that they would stop bothering me. They have began calling daily, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. As you can read from previous report, the company is looking for XXXX XXXX, the son of my home 's previous owners who sold to us in XXXX. This person has not lived here since XX/XX/XXXX and the company has been told this multiple times.

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 2018-07-06
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a complaint against PayPal with CFPB in XX/XX/2018. I received a letter today stating that they issued credits to my account on XX/XX/2018 for XXXX XXXX dollars and XX/XX/2018 for XXXX XXXX dollars ; which are not true. I checked with my bank, XXXX XXXX and they confirmed there were no credits issued for the unauthorized transactions that occurred on my account by hackers and fraudters they have on their platform. PayPal allowed almost eveleven thousand dollars to be sent to a person in the XXXX for donations which I never approved as I live in the USA and have no idea who would donate that kind of money to a total stranger in a different country in 5 uneven installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Im a customer of Capital One Quick Sliver and Walmart card. Ive had my QuickSliver card about 5 years. Walmart 3 years total credit limit for both cards are {$1100.00} which is very low considering my other accounts which are as high as {$7000.00}. Ive asked for credit increase and Im told Your recent credit line usage is too low when I go to solutions, Im told do the following .To receive credit line increase in the future. Be responsible using your card, set up auto pay get notifications so you know when your payment is due and make more than the monthly payment. I have all the above also my minimum Monthly payment is {$27.00} I pay {$100.00} or more. In the past year Ive paid capital one over {$4000.00}. Tell me how thats too low, considering Ive asked when Ive had a balance of {$400.00} and my recent credit line usesge has been too high! Between both cards Ive given Capital One over {$4000.00} in the past year not including past. I even continued keeping my cards active when Capital One for whatever reason, which had never been clearly explained remove my Quick Sliver account from all the credit bureaus and it took me a year to have my account put back on all three credit bureaus. That cost me points which adds up to money as far as interest.I lost points due to Capital Ones fault. Ive never once been late my credit score is almost exceptional. I cant continue having a relationship with a corporation that slaps good standing customers in the face. Ive continued to give Capital One chance after chance. Last month XXXX I had a balance for {$270.00}. XXXX I was out of state on business and didnt pay my account off before it was reported. I lost 9 points, as soon as I received the notification from the credit bureaus I paid the amount off in full. My credit score went up 7 points. If Capital one cant raise the credit limits I will have no choice but to close both accounts. I want to know what Capital One expects. Ive been told through customer service that I dont pay enough and I dont pay interest and Capital one has denied my request because theyre picky. Really? Someone that has good credit makes more than the monthly payments, never late isnt good enough? Remember, Im being turned down because My recent credit usage is too low over {$4.00} between both cards in a year is too low. Whats the magic number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC would not allow me to initiate an ACH from XXXX to withdraw funds from my personal checking account, and it will not let me use my PNC debit card for that either ... given that I can not make international wire transfers from my personal account online, they are blocking every way I have to transfer money outside the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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:
XXXX is reporting 8 student loan accounts across all three bureaus ( XXXX Transunion and XXXX ) unlawfully. XXXX has violated my right to privacy by communicating this alleged debt with these consumer reporting agencies. Reporting this alleged debt to these consumer reporting agencies has caused harm to my reputation and is defamation of character. On XX/XX/21 I sent XXXX an Affidavit of truth with exhibits ( proof ) of these violations, a debt validation letter, a Cease and Desist with my specified remedy and an invoice demanding {$6000.00} to remediate the damages caused by the 6 violations of my consumer rights. These documents were mailed to XXXX via Certified Mail with return 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 explanation