BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: The CBE Group, Inc.
State: NY
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 Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXXXXXX CBE Group, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a charge off of {$10000.00} but they are also showing a monthly payment of {$570.00}. I never set up a payment arrangement. It shuld not show a payment on a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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 status incorrect

Complaint:
The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

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 2021-09-10
Company: Specialized Loan Servicing Holdings LLC
State: IA
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 disputed with Specialzed Loan Servicing ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and XXXX is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with XXXX and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.

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 2017-04-13
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was reported 90 days past due on my student loan, I have never been late. I never received a written communication letting me know there was an issue with my payment. I was under the impression that it is a requirement for the Student Loan Servicing companies to communicate in writing with the borrowers regarding their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : XX/XX/2019 CFPB complaint # XXXX-XXXX and subsequent XX/XX/2019 application for SPS RMA program. 

I received a letter from SPS dated XX/XX/19 ( today XX/XX/19 ) explaining that XXXX   XXXX actually owns my mortgage account not SPS? 

SPS also is sending account verification documents which is not the subject of my CFPB complaint. The essence of this CFPB complaint is germane to my SPS mortgage payment was that : ID Theft activity left me unable to make my monthly payments putting me 2 - 3 months behind with all of my current creditors. 

And the SPS relationship managers e.g., XXXX XXXX were calling demanding payments after I explained my circumstances e.g., ID Theft ( no money in the bank ). 

And to explain that I am in the process of working with those creditors including SPS ( Legacy Mortgage ) for payment arrangements ( RMA ) while I wait for whether or not XXXX investigators finds the person ( s ) that seems to have unfettered access to my XXXX accounts using PII?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from 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 non-monetary relief
Consumer complaint received 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check for {$1000.00} on Monday XX/XX/19. Bank of America has placed a hold on this cashier 's check until XX/XX/19. I do not have a history of depositing fraudulent checks and my account is not new. I have called customer service repeatedly and have not been told why they are holding my funds.

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 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX  case # : XXXX ( deducted XXXX XXXX XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with EXPERIAN, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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 2017-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit report, I have found numerous inaccurate account that do not belong to me. I want to ensure that that the reporting is true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, have listed above and below be removed immediately as are not accurate and untrue.

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 2017-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2016, I was the victim of credit fraud. Thieves stole my personal information and opened a credit account with XXXX. XXXX cleared the information from my account but the hard inquiry still remains on Experian 's credit report. Also attached is the police report filed with my local XXXX XXXX Police Department.

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 2022-09-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
After paying {$400.00} dollars ( {$8.00} per day ) on XX/XX/XXXX or XXXX, I emailed the 53rd investigation asking them to temporarily suspend my account in order to understand just exactly what they were charging. I only received the standard " Do Not Reply '' email. 

On XX/XX/XXXX, I went to the XXXX XXXX location and paid another {$270.00} in order to CLOSE the account and to stop the bleeding. Bank Receipt information follows : XXXX/XXXX/22 XXXX pm Teller : # XXXX BC : # XXXX REF : # XXXX As of today - XX/XX/XXXX - I still have not received any mail or emails from 5th 3rd bank ). Customer service rep said I had to go to local bank for letter to ( now ) stop doing business at 5th 3rd.bank. 

This was my rarely used business card for XXXX XXXX. Please cross-reference this complaint with DOJ regarding XXXX. This bank is partnered with XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
JH Portfolio i s attempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt. I s ent JH Portfolio a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XX/XX/2017    asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for  an HSBC Checking acc ount which offered a {$350.00} welcome bonus after completing requirements. I have no received the welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
University Accounting Services with XXXX University is threatening collections and reassignment to the Department of Education on a loan that was repaid in XXXX - I was in a car accident, had competing medical bills, and went into default on the loan while away from school - I was required to pay the loan in full with a collections agency ( XXXX XXXX XXXX  ) prior to returning- I did pay, XXXX lifted the financial hold so I was able to register and finish - I received no contact from UAS until XX/XX/XXXX, threatening reassignment - I have contacted XXXX and XXXX XXXX XXXX, both of whom have confirmed the loan was paid - UAS refuses to drop the charge of XXXX. They claim not to work with XXXX XXXX XXXX, even though the account information at XXXX XXXX XXXX directly matches the account information from XXXX ( too many digits to be coincidence ). XXXX has contacted UAS to confirm the loan has paid, but XXXX will not budge- This is unequivocally fraud - I have no idea how many other students could be affected by similarly predatory and fraudulent accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit karma claimed I was pre approved for a credit card and after application I was denied. Credit karma claimed that I was approved for a credit card as well and after I filled out the application I was denied. This has happened multiple times throughout the past two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
After 8 months of communication with Capital One and hundreds of pages of supporting documentation regarding counterfeit goods received, Capital One has declined my requests for reimbursement from the seller. Their service was pitiful and their decision incomprehensible. I will be filing other formal complaints and charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, My Wells Fargo account was been withdraw $ XXXX/month by XXXX XXXX without my consent. I already filed a case with XXXX XXXX case number is XXXX. Transaction # on my bank statement is XXXX XXXX XXXX on 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 2022-09-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS 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 explanation
Consumer complaint received 2018-08-08
Company: U.S. BANCORP
State: AZ
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:
I received a call on Friday XX/XX/18, the man calling said I was being sued for a an amount of {$1500.00} dollars, from us bank, and if I didn't pay I would be going to court and I could get my wages garnished in order to repay the debt or I could make monthly installments until debt was paid off. I told him that the last time I had a banking account with US Bank was over 10 years ago and have not banked with them since. he said he would email me a letter and I had to sign it. if he didn't have it within 48hrs they would proceed with the court filings for the debt. I have called US Bank three times and all three persons who I have spoken to say nothing comes up with my social of me being in collections and they advised me not to open the email that they sent me, that it might be a phishing email in order to obtain my personal information. the email address i received it from is - XXXX, the persons named in the email are a XXXX XXXX and a XXXX XXXX . 
phone number they called from is XXXX and the reference number they gave me was 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 2017-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I booked a hotel  through American Express Travels for the  amount of {$1100.00}. When I looked at the charge through my card it was well over {$1100.00} and charged in the amount of {$6600.00}. Upon further investigation, I found out that these charges were for services I did not obtain or acquire. Also I was not at the hotel at the time of check out, so I did not know what got charged. Also found out someone used a fraudulent signature to authorize these charges.     These charges should and would require receipts and or signatures, this was authorized without my consent or knowledge. I informed the front desk of not authorizing any extra services, room services, amenities, or charges to the room ...   These charges are fraudulent ... Check-out signature was fraudulent and there 's no proof of charges to the room ...     I would gladly pay for the room but not the over charges that occurred without my consent and services/products I did not receive ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XXXX XXXX 2019 my PayPal credit Card was charge for a purchase I made at XXXX and XXXX online. I received the merchandise ( a dress ). I tried it on and it didnt fit nor did I like the clingy material. Very inappropriate for a XXXX year old woman. I had the dress on for less than a minute and put it back in the original plastic package all tags on and shipped it back to XXXX and XXXX. Today, I receive a box from XXXX and XXXX with the dress inside and a form letter indicating that the dress was unsalable. When I called the store the service representative indicated that it was the warehouse decision and there hands were tied and that the dress was mine to keep. 

This is the most outrageous, openly fraudulent activity I have experienced. I never wore the dress and had it on for less than a minute. I know that XXXX and XXXX has closed many stores and are suffering financially, but to cheat consumers isnt the way to keep business going.

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 2017-08-30
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.

Company response to consumer: Closed with explanation