BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this may concern ; I wrote LVNV Funding LLC back on XXXX XXXX as of today XX/XX/2021 I have not received the requested documents of validation on this account their reporting that I owe {$320.00} which I have not ever had an account with them they're reporting inaccurate information on my credit report and this has caused a great deal of stress I need for them to remove this account from my credit report immediately. They have shown no proof of such debt, I've also attached return receipt They received both letters on XX/XX/2021 signed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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

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

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: V and H Portfolio
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Both of the following accounts were opened fraudulently and I had no knowledge of them until they appeared on my XXXX credit report. 

The first was originally opened apparently XX/XX/XXXX at XXXX XXXX for {$750.00} and is now managed by Vance and Huffman. 

The second account was originally opened XX/XX/XXXX at XXXX XXXX XXXX for {$1100.00} and is now managed by XXXX XXXX XXXX XXXX. 

I have filed multiple disputes thru XXXX but the disputes were found to meet FCRA requirements. 

I have absolutely NO knowledge of either account and have never heard of or used either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My employer used to provide a Health Savings account with XXXX XXXX. Starting XXXX XX/XX/2021, my employer switched to a different company for managing HSA accounts. 

As a part of the transfer, my account balance was supposed to be liquidated and transferred over to the new provider. 

I had a brokerage account linked to my HSA Bank account. This brokerage account was with XXXX XXXX and was opened at the behest of HSA Bank. Unfortunately, during the transfer, my cash funds in linked XXXX XXXX account were not liquidated and HSA Bank simply closed the HSA Bank account leaving my XXXX XXXX account orphan. 

XXXX XXXX tells me that they can only transfer the balance back to the original HSA Bank account since the account was opened by them. As the HSA Bank account is closed, my funds in XXXX XXXX are stuck in a limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX Credit card has not been updated by Transunion as a XXXX balance since XX/XX/2019. I do not have any balance owed to XXXX Credit 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 2023-02-14
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, XXXX and I went to Macys XXXX for shopping the following : 1 : One dinning table with 4 chairs 2 : one SOFA 3 : one bed frame with nightstand The Salesman is XXXX XXXX XXXX ( His phone extension XXXX ext. XXXX ) and he helped me to choose a pretty satisfied threXXXX pieces with the chosen colors for SOFA and Bed ) However when the furniture delivered in early XX/XX/XXXX, the colors for the SOFA and the Bed are not the ones I told XXXX to purchase. So Macys delivery returned the SOFA and BED to Macys and I asked XXXX to re-write the sales order for me with the correct colors. At that time, XXXX told me that the BED sales price has increased by $ XXXX and he asked me to pay more with my Macys credit card and promised me that Macys XXXX give me a refund of ~ {$350.00} check in mail. 

Right now it's already XXXX XXXX, XXXX and I never get the refund check from Macy in the mail. I tried numerous time to contact XXXX for the issue, I sent him several emails and tried to talk to him by phone for days and weeks. I spent hours and hours on the phone but the last time XXXX said that he submitted to the customer service for the {$350.00} refund and I should be getting the money soon. However I never get it. I am filing this complain since I do not want to spend endless time on this issue and I believe that Macy should investigate this and get back to me for the refund ASAP.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment towards my XX/XX/2019 NewRez mortgage on XX/XX/2019 for the amount of {$2300.00} through the NewRez app. NewRez withdrew the amount of {$4700.00} on XX/XX/2019. I immediately called NewRez to fix the problem. Their agent stated that they withdrew funds for XXXX and automatically withdrew funds for the XX/XX/2019 payment. I advised the agent that I never authorized automatic withdrawal. Also emailed the agent a phone screenshot done after my payment showing payment of {$2300.00}. The agent mentioned that an automatic withdrawal took place since it was close to the following due date. 
I advised the agent that my bank account was now overdrawn. The agent responded stating that theres nothing they can do about it. That going forward, I need to make a selection through the dropdown option and uncheck autopay. The agent also mentioned they will not issue a refund. That I will need to dispute it with my bank. 
I requested to speak to a manager. Agent said she was the  team lead. I requested to speak to someone else as the agent was being unhelpful. Agent transferred me to an operator who had no knowledge on how to access my account. I was then transferred to an operator to which the call then terminated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I would like to see if Power Finance is following the rules and regulations of payday loan practices. I borrowed {$610.00} back in XX/XX/XXXX, I get paid every two weeks and have been paying them {$180.00} every paycheck and will end in XX/XX/XXXX. 13 payments at {$180.00}. The estimated cost to pay everything is {$2400.00}. So, I am paying roughly a little over {$1800.00} for a {$610.00} loan. Its horrible. I've made a huge mistake by getting the loan but this is highway robbery. The location I loaned from is in XXXX, TX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of America closed my credit card that I've had for 16 years with no warning due to in activity. hey would not allow me to reopen the card even if I charged something on it. I've never been late on any credit card payments and have an 800+ credit score. I also had a 7.9 % locked interest rate ( due to the Consumer Protection Act ) and I believe that is the real reason my card was closed. I want my card reinstated. I was waiting for a call back from B of A Director XXXX XXXX which has not happened yet.

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 2020-09-27
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is regarding navy federal credit union. Im proceeding with this complaint because theyre having serious calculation issues. My deposit amount dose not match my expenditures and the total amount of my deposit is incorrect. My account is saying I have a negative balance when after calculating my expenditure, it shows a difference of almost {$300.00}. The nearly {$300.00} is money that is being held from me for reasons unheard of. The company also has an appalling hold message that should be considered as harassment as well as terrible customer service ; also harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Associated Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a membership with XXXX XXXX  XXXX XXXX. When the pandemic Covid-19 began due to hardship, I contacted XXXX XXXX and cancelled my membership. The theme park was also shutdown and I had not used my membership or been to the park for many months before then. A few weeks ago, I received a call from Associated Credit services trying to collect XXXX from me and have repeatedly been contacting me. I immediately contacted XXXX XXXX XXXX  XXXX who opened a case regarding this issue! Case # XXXX. I have yet to receive anything in writing from this collection agency in regards to this debt but several calls. They are supposed to send me in writing within 5 days of contacting me which they never did. I do not owe this, I cancelled my membership and believe this is Fraud and taking financial gain out of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 disputed numerous times with Transunion and creditors to resolve this issue and have been completely ignored

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 2021-10-04
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have sent 3 requests to Freedom Mortgage in reference to loan XXXX, on : 1. XXXX ; 2. XXXX ; and 3. XXXX I have attached XXXX documents : A. The email complaint ( 3 submissions ) ; B. Freedom 's Mortage document, email with Movement of Account for my loan ; C. Spreadsheet, where I copied ( B from above ) to understand the movement of accounts.

In essence, the questions that I have requested to have answered ( which has not been addressed ) are the following, in reference to the documentation provided by Freedom Mortgage ( document B from above ) : 1. There is a charge of {$500.00}, under Other. This was debited, but never credited- not sure why? Seems to be an unexplained penalty.

2. Amount of {$2800.00} have been removed from principle, why?

3. There are Interest Charges for {$6100.00} for a period of six months the average interest charge is about {$820.00} per months ( XXXX = {$4900.00}, Column O )? Why is there over {$1200.00} in additional Interest Charges? 

4. During the month of XX/XX/2021, the escrow balance was {$5800.00}, with an unexplainable debit of {$1100.00} can you please explain? 

None of these questions have been answered in multiple phone conversations, and even less over email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account ( s ) : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 15 U.S.C 1681, section 602 A. states : I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section, states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mortgage was opened on XX/XX/2019, now its showing closed on my credit report and not reporting. Account has been paid 3 months now and no payments are being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, upon reviewing my credit reports, I observed a new collection data from National Credit Adjusters. XXXX XXXX supposedly being the original creditor. The collection amount was XXXX. Before the collection data, National Credit Adjusters has never contacted me via mail or phone. Unaware of this debt, I called National Credit Adjusters to inquire about this inaccurate information placed on my credit reports. The representative stated I owed a debt from XXXX XXXX. Explained to the representative that I never had a XXXX XXXX account, this information was inaccurate and needed to be removed from my credit report. The representative stated that was not possible and I needed to pay the debt. Ask the representative for the address and account open date. The respresentive stated the address was XXXX XXXX XXXX XXXX in Alabama. I asked were in Alabama. The representative stated its just says Alabama. First of all, I never lived on XXXX XXXX XXXX somewhere in Alabama. Really, this company couldn't give me accurate information regarding the account or accurate address. I asked for the XXXX XXXX credit services number to dispute the account. The representative stated they may not speak with you regarding the account but precedes to give a number. Called XXXX XXXX with the number NCA representative provided but the number wasn't in service. XXXX XXXX XXXX card services to inquire about the alleged account. I spoke with a XXXX XXXX representative regarding the alleged credit card account. The representative stated she couldn't find my information in the system. The representative asked if I had a previous or current account with them. I informed the representative I never had an XXXXe XXXX but National Credit Adjusters claims I owe this debt. National Credit Adjusters is placing false accounts on consumers credit reports to collect funds. The stated account is not my account and I would the inaccurate information deleted from all three credit bureaus.

Company response to consumer: Closed with explanation