BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX Filed Date XX/XX/2012 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 2018-01-04
Company: CITIBANK, N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
This is to attest that the below authorized checks totaling {$1800.00} ( XXXX XXXX XXXX XXXX XXXX U.S. DOLLARS ) were paid through Bill Pay via my banker, XXXX  Unfortunately, the checks were unpaid and remained outstanding, as the beneficiary ( LBDI ) did not receive the funds. The checks are : 1. XX/XX/XXXX {$200.00} XXXX XXXX XXXX 2. XX/XX/XXXX {$5000.00} XXXX XXXX XXXX 3. XX/XX/XXXX {$6500.00} XXXX XXXX XXXX 4. XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX 5. XX/XX/XXXX{$500.00} XXXX XXXX XXXX *Please note that on XX/XX/XXXX, I submitted copy of the check for prompt payment, but to date, you have not honor the request ; the letter was confirmed by the USPS on XX/XX/XXXXto be in your care.

In lieu of the above, kindly return the funds, as XXXX  confirmed that you are in the possession of the funds ; copies of the checks from XXXX payable to you are attached for your information and records. We look forward to an amicable resolution of this matter.

Kind regards, XXXX XXXX ACCOUNT HOLDER WITH XXXX Home : XXXX Email : 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 2017-07-27
Company: NATIONWIDE ACCEPTANCE LLC
State: MO
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:
I had to place a fraud alert on my credit files that indicates anyone who runs my credit needs to call me prior to doing so and I do not recognize the inquiries on my credit reports. This also violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission. These inquiries are harming my credit file and holding me back from my path to purchase a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt which is not mine. I have proof to substantiate my report and will seek legal action if this matter is not cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXXXX/XX/XXXX, XXXX XXXX file a judgment against me at the XXXX XXXX XXXX. The court date was scheduled for XX/XX/XXXX. I went to court and a judgment was established. I was ordered to pay XXXX. On XX/XX/XXXX, I went to the apartment complex formerly known as XXXX XXXX. XXXX XXXX is now under new management and is called The XXXX XXXX. Not being aware of how to resolve and settle the debt, I went to the XXXX Municipal Court Clerk. I was advised the payment will have to be submitted to the original debtor before the judgment could be considered satisfied. I went to The XXXX XXXX ( formerly known as XXXX XXXX ) on XX/XX/XXXX. I tried to pay with a check so I could have a record. However, the representative stated they would only accept cash. I went to the bank to withdraw the funds ( {$760.00} ). The funds were then taken to The XXXX XXXX office. The representative printed out a judgment satisfied form and stated I would have to take the receipt back to the XXXX Municipal Court. A year later ( XX/XX/XXXX ),  ProCollect Inc was still reporting a balance the credit bureaus ( XXXX, XXXX, and XXXX ). I contacted ProCollect Inc by phone on XX/XX/XXXX. The ProCollect representative stated I would have to email the receipt to them. I emailed the receipt to XXXX. I called back to make sure the information was received. The representative stated the receipt was received. However, the receipt must state the account balance is {$0.00}. On XX/XX/XXXX, I went back to The XXXX XXXX ( formerly known as XXXX XXXX ) to get another receipt stating the balance is {$0.00} and the judgment was satisfied. I submitted both receipts ( via email ) to XXXX. On XX/XX/XXXX, I called ProCollect back to ensure they received both receipts. However, I was unable to speak with a representative. A week later, I received a letter in the mail stating the balance is {$670.00} and collection attempts will be made. At this point, I am frustrated with ProCollect Inc and start seeking paid debt information. I was informed I should file a complaint with the Federal Trade Commission.

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 2021-09-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase I paid off my credit card on XX/XX/21. I then had a {$210.00}. Credit on my account. The next day they added {$130.00} fees + {$25.00} Fees. When I called I was told it was from XXXX XXXX and XXXX fees they are putting on my account. They lied and said they tried to reverse it but can't .before I even asked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: MT
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:
I disputed several hard inquiries that I observed on my Equifax credit report & after EQUIFAX completed their investigation, EQUIFAX mailed me a credit report confirming the inquiries I disputed were investigated and determined to be deleted from my credit report. Unfortunately I recently received a copy of my most recent credit report and observed that EQUIFAX reposted the hard hit inquiries that they told me were removed after their investigation was completed. This is a violation of the FRCA. EQUIFAX failed to notify me of the reposting. The following are the inquiries that were disputed and removed then posted again by EQUIFAX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, I am still waiting for EQUIFAX to remove additional hard hit inquiries that I don't recall authorizing because they have failed to provide me any documentation that confirms I authorized the inquiries and they are : XXXX XXXX XX/XX/XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

I also observed 2 hard hit inquiries conducted by XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX XXXX XXXX & spoke to XXXX ( I.D . # XXXX ) & was informed that Equifax was going to be contacted for the inquiries to be removed immediately. I am requesting confirmation from EQUIFAX that they were contacted by XXXX XXXX XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( 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 2017-07-27
Company: GREAT LAKES
State: AR
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:
I have a federal student loan the beginning numbers are XXXX, in the amount of XXXX. I had made many inquiries and turned in proper paper work to work with my debto and now I have letter of forebearance in effect. My ssn is XXXX, my mailing address is XXXX XXXX XXXX, XXXX, Arkansas XXXX. I am the breadwinner of my family, and the only open loan that should on my credit report is a co sign for a XXXX in XXXX via XXXX XXXX. My work history is not updated I own a very small business The XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas. I have not made any new inquiries into my credit report and there is many. I would appreciate any assistance into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Account information incorrect

Complaint:
i have reached out to this company several times and they are still reporting inaccurate names and addresses on my report. they are also reporting incorrect payment status on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Complaint # 1 Firstpoint Collections and Resources - Received collection letter XX/XX/2020 from XXXX XXXX, that I owed an outstanding debt of {$50.00} to XXXX XXXX XXXX XXXX. 
Responded in late XX/XX/2020, that I never received a bill, a statement, a notice, or a phone call about a {$50.00} outstanding debt or any outstanding debt with the original creditor. I also checked the " XXXX '' app where outstanding balances in the XXXX XXXX XXXX appear and found NO outstanding {$50.00} balance for XXXX XXXX XXXX 
I responded to Fastpoint requesting validation of the debt and received a response on XX/XX/2020, from XXXX XXXX, Director of Operations with a statement that Firstpoint had " contacted our client and verified that you are the responsible party ''. I have yet to receive a copy of a bill, a statement, a notice, or a telephone call from the original creditor showing me a validated claim. I only received an enclosure from XXXX XXXX XXXX XXXX which was a printout of a report showing {$50.00} was written off on XX/XX/2020, not a bill, statement, or notice. I wrote to XXXX XXXX on XX/XX/2020, requesting validation but never received a response. I have had regular annual appointments for 5 years with this provider and have always paid at the

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted PNC To dispute transactions because someone fraudulently took my card. They processed the dispute and refunded {$200.00} in applicable fees. Then PNC Denied my dispute and debited my account {$400.00} for fees when they only originally refunded {$200.00}. PNC stole {$200.00} from me and when I contacted them to request this be resolved and to redispute my fraudulent transaction they said I had to wait 10 business days for the money stolen from me by the person who stole my debit card AND by the bank that stole my money. UNACCEPTABLE. PNC Stole my money and it will be over a month before I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
I recently noticed on all three of my consumer reports that Fedloan Servicing is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from Fedloan stating the loan listed was transferred. Fedloan Servicing violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Constant calling, even on holidays, harassing my husband and I. They call everyday, all day long. Using different numbers and all. Westlake Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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:
I HAVE BEEN DISPUTING SEVERAL ACCOUNTS WITH XXXX AND EQUIFAX FOR OVER 6 MONTHS YET I CONSTANTLY KEEP GETTING UPDATED " RESULTS '' WITH NO CHANGES OR PROOF OF AN ACTUAL INVESTIGATION. THESE ACCOUNTS THAT I HAVE REPORTED TO THEM ARE IN FCRA VIOLATION AND NEED TO BE DELETED FROM MY CREDIT REPORT. I HAVE SENT DISPUTE LETTERS WITH ATTACHED PROOF OF THE ERRORS YET THESE ACCOUNTS REMAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: CT
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:
Reference Consumer Report # XXXX. Victim of ID theft. Not satisfied with the investigation. From start only account liable for is XXXX. Unemployed only reason have not made any payments. Will honor the debt ASAP. Other accounts totally unreasonable. Just refer to my comments in disputing that report. XXXX XXXX only agreed to cosign 1 loan  for {$2000.00}. Now it turns out to be who knows what. Was unemployed at the time was asked to cosign a second time. Definitely could not pay another loan. Seems to me very lax, irresponsible to be even considered as a cosigner if I could not pay. Definitely not liable. With regards to Human Services account being delinquent of {$140.00}, never lived at the address in XXXX XXXX which was used. Absolutely never received any payment or money from that institution. Never opened an account with XXXX XXXX, XXXX. Definitely should be taken out of that report. Seems not to accurate information or a poor job was done. Definitely will follow with the companies involved personally to try to clear it up. Thank you for your kind attention.

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 2019-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I got charged so many monthly fees that I was not aware of, so asked Citizens to close my account online. But they didn't close it. So I went to the bank to get the fees waived close it. They changed the type of the account to a free checking. As far as the fee charged to my account goes, I was advised to call Citizens Customer Service or go online to get them waived and then come back to them later to get more fees waived. They said they couldn't waive any fees before Customer Service Phone Banking waives any of the fees. The next day, I got charged another monthly fees even though my account is changed to a free checking. Also, I got charged a statement fee of {$3.00} on my account. I have never seen any bank charging XXXX dollars for a paper statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/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 2022-02-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX XXXX and XXXX do not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Chase Bank charged me {$100.00} for an unrequested Amazon Visa card, using an old address and a former name. I did not discover this for over a year, at which point the charges were up to {$280.00}. This ruined my credit. I was denied a loan. I am out {$750.00}. I discovered the problem after ordering a credit report.
I spoke with Chase. They said they thought I " would appriciate the Visa card, since I am a long time Amazon Prime member. '' Chase should be severely fined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.

Company response to consumer: Closed with explanation