BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: RI
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 am getting calls from a debt collector that is not registered to collect debt in the state of Rhode Island. The name of the debt collector is Healthcare XXXX XXXX XXXX XXXX XXXX ( HRRG ). I sued HRRG in XXXX for attempting to collect debt without a registration in Rhode Island so they know their behavior is wrong. For over 10 years, HRRG has attempted to collect debt in Rhode Island without a registration and that is literally a crime here. I started getting calls in XX/XX/XXXX from HRRG. These calls were robodialed to my cell phone. I don't owe HRRG any money, so I sent them a certified letter, return receipt requested in XX/XX/XXXX and in my letter I told them, " Please don't call me ... .you have the wrong number. '' HRRG kept calling me after they signed my letter. HRRG responded to my letter and demanded my credit report! It is ridiculous for a criminal like HRRG to demand a credit report from me when I told them that they have the wrong person and to leave me alone.

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 2020-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My XXXX check was three days. Usually when my check comes on time, I transfer {$300.00} from my local credit union to cover my ACH automatic with drawls. There is a claim that the US Postal service is late delivering the mail these days, but USAA refuses to acknowledge this as a reason to refund my ACH fees. That's because I am the only person having this problem. I have been making complaints against my local sheriff 's department for unlawfully arresting me and making me a prostitute, and telling on the man that illegally brought me up on a charge that put me in prison and jail, several times. In 2018, USAA did not pay my car payment and cancelled my car insurance, well made it necessary to cancel it. It is no just USAA, but XXXX and XXXX and XXXX, I have filed complaints on them all. I want arbitration, and a chance to allow a mediator to help solve this problem, because it is not my fault. I have no control over when my check comes, especially if people in high places are causing it to be late, because I won't prostitute for  them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I recently opened Checking ( ending with XXXX ) and Savings Account ( ending with XXXX ) with Citi Bank on XX/XX/2020. And deposited {$5000.00} in Checking, and {$10000.00} in Savings Account. 

Today while logging into my account online, I came across a notification which says that Citi Bank has terminated my both of the accounts. And I would get my funds back through a check mailed at the address on file. I am alo unable to see my full account number as the online access to the account has been restricted. 

Upon contacting them over phone, I was advised that the reason for terminating the account is that the address provided is a business address. 

However, they can not send the check for the monies in my account on the address provided on file, and asking for other physical address ( with utility bills ) which I do not have, as I have recently relocated to XXXX, TX for a job, and that is the reason I had provided my employer 's address in order ensure I receive all important mails. 

Now, I am faced with this situation where the Citi Bank abruptly closed my account ( even after having sent my Debit card and the Checks on the address provided ), and would not refund my monies in the account - {$15000.00} I take this opportunity to request you to look into this matter, and direct them to send my money ASAP at the address on file. 

I sincerely hope that you can understand my predicament where I am facing inconvenience wrt abrupt closure of the account XXXX XXXX ), and inability to get my funds back in time. 

Looking forward to a positive reply. 

Thank you Sincerely, 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 explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient has collected {$12000.00} from me over the past year in payments toward federal and private student loans. {$11000.00} went toward interest only payments and only {$700.00} has gone toward the principal balance. I continue to accrue > $ XXXX/month in interest. There is no foreseeable end to this repayment plan because my principle balance has not gone down. In the past, when I have not been able to make payments due to being in school or being in between jobs, they have offered me deferment plans that have only allowed my loans to accrue more interest. Each time I call Navient they are unable to offer me a viable repayment option that does not result in me continuing to acquire debt with them while paying > {$1000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft. I have a credit card account open in my name and over XXXX hard credit inquies made on my report alone last month. I was able to solve the problem with XXXX and partially with XXXX XXXX. At least they're communicating. However, Equifax acts like my own enemy. 
I wasted 8 hours yesterday being transferred from one phone agent to the next, refusing to verify me online and on the phone after each one asking me 10 mins to verify myself then transfer me to a co worker. Today the same thing. I asked to be transferred to a supervisor, they transfer me to a survey and they hang up. All they're interested in is selling me credit monitoring alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Santander Consumer USA Holdings Inc.
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:
THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXX THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHRYSLERCAPITAL XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX  AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
America First Credit Union has decided to change my checking account to a premium account without personally contacting me. This new account charges me {$72.00} a year without any okay from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2018-02-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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:
There has been an unauthorized inquiry from Huntington Mortgage on XXXX/2018 that has been posted on my credit report. I have contacted all three credit bureaus to have the inquiries removed, but all have failed to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase offered s Refer -a-friend bonus of {$50.00} for refering people who opened an eligible checking account. Under my personal account, my bonus summary shows I have earned 5 bonuses. But I have only been credited for 4 of them. The dates under my personal summary show I was credited {$50.00} on XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. However, I was not credited {$50.00} on XX/XX/XXXX. I have tried to resolve for almost 3 months with Chase and they simply refuse to acknowledge what I am saying and refuse to research or remedy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having an account in negative standing appearing on my credit report. The account is from this company ; XXXX XXXX XXXX. This account does not belong to me nor do I have any written/verbal contract with this company. I did not open an account with this company and I did not allow anyone else to open an account on my behalf. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not make any payments towards this account. I have already filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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:
XXXX XXXX XXXX is a loan Company on the XXXX XXXX or New Mexico. I reached out to this company via email and CFPB and advised that this is not by debt and ease do their due diligence and investigate. This account was open on line in my name. This is not my debt along with several other fraudulent accounts. I contacted my local police department and filed idenity report as well im also aware that my information has been found in several data breach and im asking to either validate show proof this is my debt or remove immediately from my credit file. I will notify the FTC to step in if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my XXXX, Transunion, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, 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 2020-07-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was made a purchase at HOMEDEPOT several months ago. The Cashier suggested that I place this charge on my HomeDepot Credit Card. I explained to her that I did not have the card with me. The Cashier said that she could look up the account. So, she did and I completed the Transaction. I pay all my bills with BILL PAY. When it came to my attention that I over looked paying my Home Depot account ( Now Past Due ). When I discovered I was past due, I contacted HomeDepot and explained to the customer service agent that I honestly over looked the Payment. The Agent indicated not a Problem. I made the Payment and the Home Depot Agent removed the Late Charge.

At no time did the Agent advise me that HomeDepot reported my Account 30 Days Late to the Credit Bureaus. I did not find out about this derogatory remark on my Credit Report until I applied for a Mortgage Loan to refinance my home. I immediately contacted Home Depot to requested that the Derogatory Remark be removed. The Agent I spoke with said that I had to send a written request along with a copy of my credit report. So, I did as I was asked and mailed the requested information to Home Depot. I spoke with a Home Depot Agent Thursday XXXX to follow up on my request. I was told my Request was Denied. No further explanation. 

I have a CLEAN Credit Report. This 30-Day Derogatory Mark on my Credit Report is keeping me from Refinancing my home and car. I am attempting to consolidate my monthly cash out flow due to the hard times we are facing as a Country due to the Corona Virus. I have had my Home Depot Credit Card for 6+ Years, and I have never had any problems. In fact, my credit limit is XXXX. 

In closing, I have been under extreme stress not knowing what is going to happen with our Economy. I have XXXX  sons that I worry about. My Older Son is XXXX, which puts him at XXXX XXXX!! I have been under extreme stress, with the passing of my father in XXXX and my mother passing in XX/XX/XXXX after a long battle with XXXX XXXX XXXX and XXXX XXXX. I made a Mistake!! A One Time Mistake with an account that I have had over 6+ Years. I ask the Creditor for help, and the Creditor Turns their Back!!

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Companies : XXXX, XXXX, and TransUnion Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for 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 2017-08-11
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:
THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX FEDERAL COURT 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 2021-01-28
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: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX, XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report 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 2021-02-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$2900.00}, {$690.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 










2. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: AMERICAN EXPRESS COMPANY
State: PA
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 rewards from credit card

Complaint:
My cardmember agreement provides a cash back reward of 5 % on mobile phone charges paid by the card. As it is generally the only charge I make with the card, the statement and rebate numbers are typical from month to month. There were errors in the percentage of cash back in XX/XX/XXXX, XX/XX/XXXX in which I only received a 1 % rebate. I contacted them in XX/XX/XXXX and was told it would be taken care of and my account adjusted. This was never done. I was lied to. The same thing happened on the XX/XX/XXXX statement where I only received a 1 % rebate instead of my normal 5 % rebate. I just spent several hours on their chat to no avail. We have used this method for payment of the phone bill for many years and it is obvious that the error is on the part of American Express. I am being told by Amex that there is NO error on their part. They are in breach of their agreement with the cardholder. If they are stealing from me, I am sure they are stealing from other cardholders.

Company response to consumer: Closed with monetary relief