BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
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: Information belongs to someone else

Complaint:
Transunion has been notified of the following inaccuracies on XX/XX/XXXX at XXXX via Certified Mail ( # XXXX XXXX XXXX XXXX XXXX ) : XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : CXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following debt is not mine : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX Account Number : XXXX My letter requested physical verification from Transunion XXXX as well as each of the companies, in order to verify the following accounts. Although Transunion has claimed to complete an investigation, neither Transunion or the companies were able to provide complete physical verification of the activity in dispute. Transunion and the above mentioned furnishers have knowingly continued to report the inaccurate and unverifiable information. This has caused me injury, mental anguish, damages and losses to my inaccurate consumer credit report. 

I determine that Transunion in concert with XXXX XXXX XXXX XXXX XXXX  ( formerly XXXX, XXXX XXXX XXXXXXXX XXXX ) have violated the following codes : 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 2018-02-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I opened this account with XXXX XXXX in XX/XX/XXXX I fell in financial hardship and wasn't able to pay. They sold this to XXXX XXXX and they started reporting to my credit on XX/XX/XXXX. I tried to get them to validate they didn't even respond to me. So I know something is not right. I also looked up if they were able to collect in my state and they were not so they must stop reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Early Warning Services, LLC
State: MN
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:
I apply for a checking account at XXXX XXXX, XXXX, XXXX XXXX and others after was turn down by each of the bank I thought it was because they just don ; t want to help me but they stated that the reason they declined my account due to they verify my information such as my social security number with a third party company that they paid service for and that company is called EARLY WARNING services there for they stated EARLY WARNING services stated I have a collections of my previous account with some of the banks listed above. However I filed a bankruptcy chapter XXXX on XX/XX/2019 there for under my bankruptcy chapter XXXX law and protection the debt owning to any of teh banks or creditors of these bank would be expunge and there for it is wrong that EARLY WARNING co. refused to comply with the federal law and yet made it become that I owe these banks and these bank refused of open me an account with them knowing my debt would be consider remove of any collections I may have with these banks or charge off accounts and gave me a bad name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a copy of my credit report. Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the era is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible will be greatly appreciated. 

My current and only address is listed below XXXX XXXX XXXX XXXX md, XXXX Please remove any other addresses from my report as they do not belong to me and are being reported in error.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Ive been a victim of identity theft and XXXX a company for months have screwed me and millions over in rates due to wrong credit scores. XXXX has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what XXXX has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.

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 2015-11-10
Company: Statebridge Company
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was sold or transferred to Statebridge Mortgage. 
They are not providing accurate information about account. 
Shows I owe for two months when I have paid every month for 5yrs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment in XXXX, AZ around XXXX or XX/XX/2017. Within the first month or two, I was able to terminate the 12 moth lease early because my apartment was deemed uninhabitable due to a roach and silverfish infestation. They had said there were roaches around the complex, and to be careful even though the complex was sprayed often. However, upon move-in day and over the course of my time living there, they only sprayed once despite several complaints. I gave full permission to enter premises to spray for roaches. Several times they said someone was scheduled to spray but just never showed up. There was bug infestation in and around the dishwasher, kitchen sink, bathroom sink, behind/around the fridge, in ALL of the kitchen cabinets. A hole in the cabinet also led to droppings falling in my sink. Also, I was able to break the lease because they lied about certain and specific facilities ( even when asked before I signed the lease ). They said they had a gym, a pool, and a tennis court. They had none of these. They said there was a personal trainer XXXX times a week for an hour instead of a gym. Regarding the pool and tennis court on the complex 's map, it was just a parking lot, storage, and grass. I found evidence of an undisclosed mold/mildew problem that was merely painted over ( you could still smell it ). The dishwasher leaked causing a large mold problem that rotted the cabinets and warped the floor. There was mold everywhere in the bathroom and a kitchen sink area. The bathroom breaker box did not have a cover. There was a very large ( think full jansport backpack ) sized hornet/wasp nest in our outdoor storage shed. They showed me a model apartment and said the apartment I was to be renting looked virtually the same. I was told I could not view the apartment due to it being rented. Then XXXX XXXX put me in filthy, unsanitary, unhealthy conditions. I was intentionally misled about facilities, common areas, and the ability to rent in livable conditions. There were many more issues as well. I have all documents involved with my lawyer and the XXXX XXXX complex if you would like more info. My lawyer helped me terminate the lease legally. There is no public judgment against me. However, XXXX XXXX sent me to collections for {$3200.00} with National Credit Systems. I even paid for a credit repair team named XXXX XXXX XXXX to help take the collections off. I still have the collection on my Experian credit report. I do not owe the debt. I do not deserve a near hundred point drop in credit. I can send over any and all documents, emails, and communication, if requested. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: CITIBANK, N.A.
State: OH
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 customer service

Complaint:
I have been a credit card customer of Citi for many years. When attempting to make a payment this month, I encountered issues accessing my account. I contacted Citi " customer service '' in an attempt to resolve the issue and be able to access my account. Every agent I spoke with, 4 in total, was completely unhelpful and kept passing me to the next when I voiced my displeasure about their inability to provide assistance. They kept trying to have me make a payment, despite my insistence that I need to be able to access my account before paying them. The final agent, in the fraud department, kept cutting me off and was unable to provide me with appropriate tracking information about my new card being sent ( needed so that I could actually access my account ). He stated that tracking information would be emailed to the email address that I had " previously confirmed ''. I informed him that no one had confirmed my email address and that I wanted to verify that they had the correct one. He informed me that he would review the call logs to see if I had verified it on the phone. When I asked to just go ahead and verify it with me then, he disconnected the call. After nearly an hour of being bounced around on the phone, I have no idea if my issue has been resolved or if they are simply dismissing my problems and complaints without resolution while expecting me to blindly pay them. Completely unacceptable.

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 2019-08-20
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my account after stating that I was using an invalid address.  After speaking with a representative of the company, I was told that while I had updated my address ONLINE, through the bank's online portal, that this had not updated my address within the bank's records.  So, according to the bank, the address for my online identity was current, however, the address for the credit card account attached to this identity was out of date.  I only use this online portal to access the one credit card, for which I receive paperless statements.   All of my interaction with this company is online, and I updated my address two years ago, when I moved from XXXX to XXXX.  I applied for a new credit card with the same company, however, the new credit limit is less than half of the old one, because (of course) the bank reported my account closure to the credit reporting agencies, and this closure (with a balance) has lowered my credit rating.  I confirmed with an agent of the bank that there was no way for me to know that the address I had updated only effected my online identity and that there was no other means for me to update my address, or to know that my address was not current.  I spoke with representatives at two bank locations, both of whom were defensive and dismissive, while also insisting on their utter inability to help me, whether they wanted to or 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 2020-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I noticed a fraudulent transaction posted to my Bank of America, Maryland Unemployment Prepaid Debit Card. A total of {$200.00} was debited. I contacted the Bank of America Fraud department on XX/XX/2020 to start a dispute. The claim number was XXXX. I was told that I would be contacted regarding the investigation however that did not happen. On XX/XX/2020 I received a letter from Bank of America regarding the claim. The letter was dated XX/XX/2020, the day after I called to dispute. The letter stated " the above listed claim has been closed. '' Furthermore it states, " your claim has been closed because we believe the account or the claim has been the subject of fraud or suspicious activity. '' I am unclear as to what that means. The {$200.00} was never credited back to my account ; it remains as a debit. No information was given about the investigation or who committed the " fraud or suspicious activity. '' I was not given any further information or documentation. I do believe that this was a result of fraud on the part of Bank of America. There have been reports of similar fraud related to the Bank of America Maryland Unemployment Insurance prepaid 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 monetary relief
Consumer complaint received 2020-11-01
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year during the pandemic ( Covid-19 ), I tried to dispute this alleged debt with Jefferson Capital System with the credit bureaus. The bureaus never sent me any information regarding this alleged debt so know I sent a No response back to credit bureaus and now I'm sending a Debt Validation letter to collector. Since neither debt collector nor credit bureaus have no proof that this alleged debt is mine, by law this debt as to be deleted from my credit report. Debt collector should be receiving validation letter via certified mail this first week of XXXX and now in this complaint. I shouldn't be treated like this especially during a pandemic, its hard enough out here trying to make ends meet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Fed loan service has me at a CLOSED status and a {$0.00} dollar balance and I ask them to remove the account because the remarks and late are effecting my score negatively. I am in the process of trying to buy a home and cant do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: IN
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:
Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.

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 2020-07-29
Company: American Coradius International LLC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive received a letter stating I owe XXXX a {$100.00}. The company American Coradius International LLC.XXXX stats I can pay a reduced amount of {$75.00} that XXXX is willing to accept. Ive searched online looking into this company and they have terrible reviews of scamming people saying they owe money. I havent reached out to XXXX but from what Ive read XXXX doesnt do business with this company. All my XXXX accounts are current or paid when making any purchase. I dont have a XXXX credit card either. This company needs investigated and shut down before anyone gets taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BBVA FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I booked a hotel reservation and used my bank card to hold the room. Upon entering the room it was filthy, the bed sheets were torn, the front door would not close or lock properly, the inside adjacent door 's lock was broken off and laying next to the TV. I immediately notified the front desk. The hotel was uncooperative and showed no remorse. I was offered no refund ( albeit I did not dirty the room to cause the hotel any cost what so ever ). I disputed the charge with my bank, the one named in this complaint. The bank reached out to me and stated there is " no appropriate resolution procedure '' for hotel charges and they would not even investigate this for me. They said that hotels have a " no refunds '' policy and any dispute must be resolved with them. What this translates into is this bank will not protect its consumers funds or transactions. What happens if the motel overcharges or charges a customer by fraud? So my bank, this bank named in the complaint, will never investigate funds disputed by this hotel or similar merchants? This is very alarming and concerning a bank that picks and chooses which one of my transactions it will investigate or support. My funds or transactions are not protected by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had alot of charges done i didn't make.I called ten times. Called 20 times and repeatedly was hung up on ... I even waited hours 3 different times for them to answer me claims department they didn't want to talk to me. I ask for bank statement and they said no because it's XXXX.. I said I'm get my money stole the agent said it's XXXX..I said I work hard for you to treat me disregarding anything I said ... I have more evidence I can send you of them hanging up on me.. all of the transactions with the red circle box is not me I do not make those transactions ... I'm uploading them right now It will be submitted with this statement.

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 2020-11-01
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I got a notice from XXXX that Penn Credit had reported a negative account to my Credit Report. Today XX/XX/XXXX I get a notice that they updated the negative reflecting it is negative as of XX/XX/XXXX but was opened in XXXX. I have never received any written notice from this company of any debt prior to the collection being placed on my credit and have no knowledge of owing them or XXXX XXXX as I have not lived in XXXX Florida in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?

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