BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
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 inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX  by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
TRANS UNION ( AKA " TU " XXXX HAS BEEN STEALING MONEY FROM MY XXXX ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY TU HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from eye problems!!!! & because I need to write other letters to other people about other things! 

I have filed more detailed complaints about TU before! I will file more detailed complaints about TU later! For now - I need to keep this short! 

I cancelled tu 's so-called " service " months ago! 

I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 

Apparently - - - tu used a different merchant id to steal more $ $ $ from my account!!!!!!!

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 2020-09-09
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempting to collect a debt not owed. I have never signed a service agreement with PMAB LLC. The debt in question was result of medical insurance balance that I was unaware existed. ( I have maintained health insurance coverage the entire time period in question. Once I was made aware of the discrepancy the balance was paid in full to the XXXX XXXX urgent care. I attempted multiple times to reach out to PMAB LLC and have this invalid credit remark removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Account information incorrect

Complaint:
The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today, XX/XX/21, I start receiving calls from this collection company to call them about debt they have purchased. I didn't return the call due to not having any bills in collections. When I got home and checked my mail, I received a letter from XXXX XXXX XXXX Mitchell D. Bluhm & Associates , LLC XXXX claiming that I have a medical bill in collections from XXXX XXXX. This is incorrect. First, all bills from this hospital have been paid over two years ago and second, I now work for this hospital and was never informed of any past due debts. 
I want this company charged with harassment and trying to scam me out of {$2200.00}. If possible, I want this amount as compensation to me for this notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: CITIBANK, N.A.
State: KY
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:
This isn't my account. I closed and paid my account with Citi Bank.

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 2018-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received Experian credit report. The report indicates that I have a debt in collections. However, I have no knowledge about this debt nor do I know the name of the collection agency.

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 2021-03-02
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX, Pressler & Pressler attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt XXXX envelope from Pressler, Felt, Warshaw LLP. 

XX/XX/XXXX I received a certified mail package From XXXX XXXX XXXX, Pressler, and XXXX XXXX of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

XXXX XXXX XXXX remained XXXX, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that 1 ) this debt was paid by bank levy, 2 ) Pressler and XXXX XXXX have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account with BOFA and I lost my debit card and someone had done fraudulent transactions by depositing and withdrawing money from card. I closed the account and the bank now says Im banned from having an account with BOFA and any other financial institutions for 5 years which is not right because I wasnt the one doing those transactions.

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 2020-05-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
JP Morgan Chase Bank. Is accusing me and my daughter of doing fraud with my credit card that I used to have. Chase close my credit cards and for an unauthorized transactions. the investigations where not conducted and processed with sustainable evidence. I Requested to see the evidences they have and never send me any prove. I request to have a copy of my rights as a client and they couldnt give it to me. When I ask if my credit card will be open they told me that it was deny and didnt allow me to have it back neither apply for a new credit card. My balance was almost ceros. Still they deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( all 3 bureaus ) 30 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CAPITAL ONE # XXXX XXXX ) CAPITOL ONE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 instructions COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I missed one ( 1 ) payment in the 17+ year history of this account, and my credit limit was slashed from {$25000.00} to {$7800.00}. Missed payment was due to a family emergency where I had to travel out of town due to an ill member of my family. Bank of America has failed to recognize my long standing payment record, relationship with XXXX XXXX, and claims they have attempted to contact me when in reality, they have not.

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 2021-01-22
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with NewRez/Shellpoint Mortgage and told them up front that I did not want my homeowners insurance premiums escrowed. They told me this would not be a problem. When my first payment came due, I saw that homeowners insurance was still being escrowed. I called to have this corrected. They told me it would be fixed. It wasn't. I called back ... waited over an hour on hold. Was told it would get fixed. It didn't. This happened 4 more times. Then they told me I needed to submit proof of payment of my homeowners insurance. I submitted proof that the policy was paid for the next 11 1/2 months. They never got back to me. I called again to find out what was going on. They said they rejected the request. They never notified me that the request was rejected. I call to find out what's going on and then they say that they can't remove the escrow and will not remove it. So, after about 5 hours of my time and effort, they can't even correct the mistake that they made on the front end of my refinance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that EXPERIAN, XXXX AND XXXX initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be repaired. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My lease on my XXXX XXXX XXXX expired on XX/XX/XXXX. A week before this, I was talking with a representative of Prime XXXX XXXX that was sending me car options to buy since I would be trading in my vehicle. I informed the representative that I didnt see any cars on their lot I was interested in and would be continuing my search at another dealership. During the conversation, we talked about my car mileage and how it was over XXXX below my lease agreement. The representative then informed I could use the equity my leased vehicle had accumulated and I would be able to put towards a new car for me. We scheduled an appointment for XX/XX/XXXX, to talk through this option and view some cars available for purchase. When arriving to the dealership, I test drove XXXX different cars, and wanted to continue a conversation on a XXXX. At this point, my husband and I were told we would not be receiving any equity from the leased vehicle because there was an open manufacturer recall without a remedy. We were told by the representative that if they gave us any money for the XXXX, they would suffer a loss because of the recall. This was the first we were hearing about any open recalls on the leased vehicle. This seemed to me as a bait and switch tactic which was very deceptive to get me into the dealership. The dealership would have known about the recall before I went in and should have never offered any equity if it was not an option for me. In addition to this, a recall on the leased vehicle with no fix should not have anything to do with equity from not driving the car. Again, very deceptive and would be the the responsibility of the manufacturers XXXX XXXX XXXX. I have tried to rectify this situation with Toyota Financial Services, who agreed with me, and they encouraged XXXX to work with me. XXXX never did. A complaint was filed against XXXX with Toyota Financial Services, but I still believe my rights as a consumer have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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: Account status incorrect

Complaint:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2020-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On Friday, XX/XX/20, I contacted Bank of America to find out about their balance transfer terms due to the website making it sound like their was an offer available but verification was needed on my account. I called and got transferred to the bt department, or so I was told, the woman asked me if I owned my home, which was an odd question. She said in order to do the BT they needed to update my account. I provided the answer and she needed to transfer me now to the credit department. The next representative ( 3rd person ) said they needed my annual income to get me the terms. They said it was going to be a soft hit on my bureau and no impact to my credit score. I was then placed on hold. 

I have a car loan through Bank of America and 2 credit cards. One with an open line of {$14000.00} and one with over {$5000.00} available. 

When he came back in the phone, the gentleman said not only was he unable to give me the terms on the bt, but he was a closing my account and reducing my other line to {$500.00}. I never asked for this and it will now negatively impact my credit score and something needs to be made right.

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