BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 fidentiality under 15 USC Account # 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 Has violated my rights 15 u.s.c. 1681 section 602a.

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. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records. 
Of the convictions of crimes Which antedates the report of more than 7 years. 
XXXX5 u.s.c. 1681-2 ( a ) ( 1 ) 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 accurate

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 2023-08-23
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, In XXXX, I went to XXXX XXXX fertility center in XXXX, CO for treatment. XX/XX/XXXX, I had my XXXX XXXX. The provider doesn't do this service until the payment is paid fully. We made the payment, got the service and everything was fine. 

Around XX/XX/XXXX, I got contacted by Alpine Credit ( debt collector ) saying I still owe to XXXX XXXX. This is not true. I made all payments in early XXXX to XXXX ( billing manager then ) and she wrote on the receipt saying 'Full Paid ' as confirmation. When XXXX XXXX reached out, I furnished all information I have with attachments in an email on XX/XX/XXXX. After that I didn't hear from anyone. 

Fast forward XXXX, I get a call in XXXX saying I have a balance of $ XXXX still. They had no explanation/response to my email from XX/XX/XXXX. I have clearly stated that I am disputing this charge because 1. I don't really owe. 2. They ghosted on me in XXXX and coming back 3 years after without an explanation. Please advise on how I can proceed or file a complaint legally.

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 2020-08-13
Company: Experian Information Solutions 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:
Inquiry from XXXX XXXX on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.

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 2022-11-21
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 information incorrect

Complaint:
Hello -I received information regarding this account from XXXX XXXX Saturday XXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my Experian and XXXX reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
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 2022-11-21
Company: Experian Information Solutions 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX ( Original CreXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX ) # XXXX has violated my rights 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 a 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2019-06-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has appeared on all three of my credit profiles, XXXX, XXXX, and XXXX. One account shows it as a open revolving account and the other two show it as a charge off account. I  reached out to this company and asked if they could provide a bill, as well as dates for this and they have not. The account says opened in XXXX of 2013. The credit reporting agencies verified this as accurate, but how when this company has not been able to provide me any proof of this account. I am hoping to get this resolved quickly.

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 2020-12-04
Company: Experian Information Solutions 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 recently challenged the validity of XXXX XXXX, XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX  and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to delete account from my credit report immediately

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 2020-11-28
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My hardship began the day I moved into my home in XXXX when the sewer backed up and flooded the downstairs causing extensive damage and repairs beyond what homeowners insurance covered. I notified Highlands Residential Mortgage in early XXXX that I was having financial difficulties due to a cascade of events beyond my control and wanted to work with them for a forbearance or loan modification. I submitted a hardship package with requested information to Highlands in XXXX/XX/XX/XXXX On XX/XX/XXXX I received a letter from Highlands stating they had received my loss mitigation package and that a review performed on XX/XX/XXXX determined the application was complete. On XX/XX/XXXX I received a letter stating they reviewed the loss mitigation package and that I needed to return a hardship letter and documentation detailing the hardship - which I submitted again. 
On XX/XX/XXXX I received a letter stating I had been approved for a HAMP modification. I signed and returned the agreement by their stated due date via fax and postal mail. in addition to calling them. 
I remained in constant touch with Highland to see how the process was progressing and to determine my next steps. 
Subsequent to accepting the modification I received a call from Highlands stating the HAMP modification was an error and I needed to start over, so I submitted another hardship packet. 
On XX/XX/XXXX I received notice from Highlands that they had received my hardship packet and on XX/XX/XXXX I received a letter stating that it had bee reviewed as of XX/XX/XXXX and determined it was complete and no further information was required. 
On XX/XX/XXXX I received a letter from highland stating that in order for them to determine my eligibility I need to return a hardship letter, proof of hardship and HOA bill which I submitted immediately. 
I was in communication with highlands via phone several times to inquire if they had everything they needed and was informed they had. 
On XX/XX/XXXX after again telling me my application was complete I received a letter from them saying my application was incomplete and I had missed deadlines for missing documents. 
Whenever they request information from me I email or fax ASAP. Highlands on the other hand mails me notices that take 10 to 14 days or more to reach me and have changed their website so that customers who are in default can not access documents on line. 

As of XX/XX/XXXX, and XXXX I have again submitted hardship information to Highlands. I want them to work in good faith to modify my loan as they agreed back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, this account is not mine. I was sent three more documents on money that is owed but im not sure what this collection is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In regards to XXXX Avanue account. I called XXXX XXXX in reference to balance of XXXX $ that i paid so many yrs ago. It is so old my personal information and account info no longer exists in their computer system i paid this account. 
XXXX, XXXX and Transunion all have this account showing as derogatory / unpaid Please remove i read closed accounts have XXXX impact on crefit reports

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 2020-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After dealing with this issue for 3 weeks, I am disappointed to find out from phone conversation with Ms. XXXX ( from WellsFargo ) today, that the investor does not allow me to apply my {$7100.00} deferred balance payment into my deferred balance. 
1. This is not consistent with the letter you sent on XX/XX/2020 2. This is not consistent on your recording line when I paid on the phone that you assured me the {$7100.00} will be applied into the deferred balance 4. There is no such correspondence for you regarding the investor has the power to not say " NO '' to the payment to be applied into the deferred balance 5. THis is against the XXXX  and XXXX  regulation 6. You prevent me from refinancing my mortgage as all lenders will need this to be taken care of before starting the refinancing process. 

Can you please help! 
XXXX XXXX XXXX Cell # 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 2022-10-13
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written XXXX dispute letters to both XXXX XXXX Experian in hopes to get an invalid and erroneous account off of my consumer credit file. This account was a credit builder loan that I would repay monthly ( 48 months ) and upon completions my deposit would be returned, and this product helped build my credit. The original account was held with XXXX. This bank is now closed and assets sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX cut me a check for this loan product. XXXX XXXX does not offer credit builder loans and this is why they returned my deposit after XXXX XXXX closed down. XXXX removed this error after I disputed with them. ( I have proof ) They are reporting ( XXXX ) 30 day late payments on a closed account which is not true because how can I be late if the bank is no longer inexistence? XXXX XXXX XXXX XXXX, Wisconsin, was closed on XXXX XXXX, by the Office of the Comptroller of the Currency, which appointed the Federal Deposit Insurance Corporation ( FDIC ) as receiver. ) I have every letter I sent to XXXX and Experian, and they keep giving me the run a round with a reply of not deleted ; or account valid, or send proof of your address, or other stall tactics. I sent them a dispute letter on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my bank accounts and issued me 3 official checks. All 3 were deposited into my checking accounts, 2 checks cleared and the 3rd had a stop payment put on it by Citi bank. Citi bank now refuses to give me my money that was in the account at closure of the account. Also they refuse to close my brokerage account and let me withdraw those funds. I do not owe Citi bank any funds. This constitutes theft and malpractice

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 2023-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received an email stating I owed {$110.00} for a cleaning of an apartment as part of my moveout. This amount was paid in full. I have an email stating that I have a XXXX balance dated XX/XX/XXXX. I recently applied for a credit card and this is showing up as an account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This has been a nightmare. In XX/XX/2020 I ordered XXXX XXXX XXXX pills for an advertised price of XXXX shipping and handling for a free sample. I ordered the pills and the oil for the price of XXXX online using my Chase Debit Card ending in XXXX. In XXXX I received a test from Chase that suspected Fraud had been committed on my account in the amount of XXXX and this amount was returned by Chase to my account. The same transaction again posted to my account and Chase advised me to change my Debit Card, which I did resulting in a new card issues ending in XXXX. The transactions were coming thru as XXXX ... as listed on the documentation. Chase later withdrew XXXX from my account and when I asked why explained that the company had charged me XXXX previously so I had done business with them? I was confused but found out from the amount that this was the XXXX XXXX purchase. I disputed it and have gone back and forth with Chase since as they continue to take the XXXX out of my account. I was told by Chase to contact the vendor and tell them I disputed the transaction and that I did not want the service. I did this and informed them that they never advised a withdrawal would be coming out of my account for such an amount, I was told it was a free sample. The company denied that they did not disclose this charge. Chase on XX/XX/2020 once again reversed my dispute and told me I would have to take it up with the vendor. This company should be stopped from false advertising and from billing the bank in an unknown name after a purchase has been made. Chase should not honor such charges. I am not the only Chase customer who has experienced this, I am told.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 a certified letter was sent to Calvary. I resquested calvary to validate the debt and provide me with info on how they claim I owe {$3700.00} how they came up with the obsurd amoun and to do not contact other than to validate the debt.. Not only was the debt not properly validated Calvary kept contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: OH
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 have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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