BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 {$2500.00} was charged to my credit card for a previously negotiated settlement from XXXX XXXX XXXX ( Medical Data Systems ). I originally owed around {$6000.00} for an inpatient hospital stay at XXXX XXXX XXXX. I was contacted by a debt collector from XXXX XXXX XXXX stating that if I paid them {$2500.00} " today, '' my debt would be zero 'd out ; stating that his supervisor approved this negotiated settlement. I borrowed the {$2500.00} from my parents and paid this debt. I was advised that they would mail me a confirmation letter stating I had a {$0.00} balance, which I never did. on XX/XX/2018, I received a phone call from XXXX, a debt collector at XXXX XXXX XXXX, stating that the original debt collector XXXX " made a mistake '' and " was not meant to offer this much of a discount, '' as this was not approved by XXXX XXXX XXXX ( even though it was approved by the debt collector 's supervisor ). When I asked to speak to XXXX 's supervisor XXXX, XXXX then stated that XXXX was " new '' and that they were " dealing with this mistake internally. '' XXXX told me that he would refund the money ( the agreed upon settlement of {$2500.00} ) and then set up a new payment plan for the entire amount originally owed. I told XXXX that when XXXX set up this agreed settlement, he violated the Fair Debt Collection Practices Act by falsely misrepresenting what I owed in order to settle the debt. I even called on the morning of XX/XX/2018 to ensure that the payment went through and that everything was all set, and was advised again that everything was good on their end and that they would mail me a confirmation letter, which I did not receive. XXXX falsely misrepresented my debt and falsely led me to believe that if I paid a large lump sum at once, my debt would be settled. I did not agree with a new payment plan with XXXX XXXX XXXX at this time as I believe this debt collector acted unfairly and unethically. Since this was an internal mistake ( after I already paid my agreed upon settlement ), XXXX XXXX XXXX should have to honor their initial settlement agreement with me despite them now having to lose money. I was just on the phone with XXXX for 25 minutes and have the entire phone conversation recorded, where he stated in detail in the conversation the initial agreed upon settlement and that it was an internal mistake that " they were dealing with. '' The audio file is 12.5 mb so I am unable to upload it to this file ( 10 mb max ). If an email can be provided, I will be happy to forward this audio file. Thank you.

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 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Bank if America has reported my account as fraud. They are refusing to eremove the fraud off my case. Can't get information to move to next step.

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 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
I am a victim of fraud and disputing 2 charges on my account, I called and sent this via mail, they credited and they put it back again '' So i dont know what else to do so I decided to complain here i dont want to missed any payment because I'm protecting my credit and this was charges to capital one on XXXX  XXXX, XXXX I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$4000.00}, plus fees and interest XXXX- {$500.00} ( XX/XX/XXXX ) /XXXX- {$2000.00} ( XX/XX/XXXX ) /XXXX XXXX XXXX and posted on XX/XX/XXXX, XX/XX/XXXX,. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$6800.00}, and posted on XXXX XXXX. ( XXXX returned ACH $ XXXX XXXX ( XXXX  XXXX- XXXX XXXX XXXX XXXX {$1300.00} and fees and interest. 
I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: MIDCOUNTRY FINANCIAL CORP
State: AZ
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:
Pioneer Mid-Country Bank has annotated that my previously discharged bankruptcy was instead dismissed. It was discharged. I called the phone number on my credit report but the person who answered said that Pioneer is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On multiple occasions, including just yesterday, Bank of America has frozen my funds as " overdraft protection ; '' putting them in limbo between my savings and checking account, disallowing me to transfer them to cover my overdrafts, thus resulting in me having to pay a {$12.00} overdraft protection fee. This has the ability to compound, creating further overdrafts and withdrawal limit fees when I am unable to make a transfer large enough to cover the initial or additional overdrafts. 
When I have called to find a solution to this problem, folks at the call centers are not helpful and refuse to acknowledge that this is an issue created by their own technologies.

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 monetary relief
Consumer complaint received 2023-01-14
Company: JPMORGAN CHASE & CO.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX made XXXX of XXXX Payments made XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XX/XX/XXXX of XXXX XXXX charged XX/XX/XXXX XXXX XXXX charged XX/XX/XXXX XXXX XXXX XXXX interest on XXXX XXXX XXXX  interest on XXXX for XX/XX/XXXX XX/XX/XXXX balances XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minimum payment has been XXXX throughout. 
Was charged interest on balance in XXXX despite purchase being made 8 days earlier ( no grace period ). That interest charge was reversed after calling. Made a payment that more then covered the high interest balance. Payment was partly applied to high APR. Credit Card Act of 2009 as well as my billing statement says, All payments over the minimum for the account will be applied to highest interest rate unless a promotional balance is within two billing cycles of completion. My XXXX XXXX  expires in XXXX. Chase bank has refused to reverse the second interest charge or apply my over payment to my high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Reporting Act Reporting, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.

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 2023-01-14
Company: SANTANDER HOLDINGS USA, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized hard inquiry on my credit reports on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Parnell & Parnell, PA
State: GA
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:
On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my XXXX XXXX XXXX who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2019 I found inquiries on my credit profile I do not recognize. The inquiries in question is from XXXX XXXX  Credit Card, and XXXX XXXX. I ask that you remove these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: LEXISNEXIS
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
LexisNexis makes it a hurdle for people who live or are XXXX XXXX  to get their consumer report. Their online process - XXXX XXXX XXXX XXXX to retrieve one 's consumer report only has the standard 50 states. It is missing 'states ' such as AE, AP , and AA.

Which means my actual mailing address will never match what is on their site - since my mailing address isn't one of the 50 states they have available. And I'll continue to get a letter in the mail - that my information doesn't match what they have on file - which has recently happened. 

This affects overseas diplomatic members and people who work the Federal government - including military or civilians.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to set up an investment account though XXXX. PNC Bank will not communicate and has blocked access to PNC accounts not allowing their customers to invest financially through a 3rd party application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXX XXXX appeared on my Transunion Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted Transunion to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry ( XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXX XXXX in order to get the hard inquiry removed from my credit report. I then contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my Transunion credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXX XXXX could do, as no information was available at that time. I requested credit freezes with Transunion, XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXX XXXX  again on XX/XX/2020 at ( XXXX ) XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXX XXXX XXXX lending partner, XXXX, and was subsequently connected to XXXX at ( XXXX ) XXXX. As I write this, I have been on hold with XXXX for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither XXXX nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and XXXX and XXXX XXXX are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.

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 2022-10-29
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA 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 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I keep contacting transunion to get my report to correct there error company won't respond

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I been trying to resolved the issue for over 2 weeks. I have attach a letter explaining everything and documents that shows that someone is using a credit under my name and macy is allowing to do it. please review every single document that I will be summing. 

Thank you 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 monetary relief
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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:
On XX/XX/2018 I received notifications of unauthorized activity on my XXXX XXXX Credit Card account # XXXX while serving in the XXXX. I contacted a representative at the bank regarding the matter and was told my account had been locked. I then asked to open a dispute and was told i would have to call back at a later time and do so. Upon calling back multiple times the matter was never handled causing inaccurate debt to be placed on my credit.

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 2019-09-26
Company: Williams & Fudge, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation