BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction This account is showing inaccurate information on 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 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
iI have a mortage with Bank of America for 30 years fixed. I made extra payment to payoff the mortage but the money is held in an escro account. I made several attempts to resolve the problem but noone pays attention.

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 2020-07-16
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Mosaic gave me a loan for my residential solar system in spring of XXXX. However my system has still not been turned on due to delays from XXXX, the city of XXXX XXXX XXXX where i live and COVID-19. My loan is paid for by my solar system collecting solar energy and selling it into the grid. However my system is still inactive due to COVID so i do not have the revenues to pay the loan as planned. I asked Mosaic for forbearance and they told me it was my problem and i have to pay or they will start assessing late fees and report to credit agencies. 

I also asked if they had a forebarence plan due to COVID and they said no. Turns out they do have a forbearance program and i was not offered it. when I found out, now in XX/XX/2020, i called their servicing department. The department told me they do have a forbearance plan if we have experienced financial hardship ( which we have, pay cut ). when i asked for it to be applied retroactively since i missed 3 months of potential help due to them not fairly disclosing the option to me ( in fact they said they had no such program ), they just said " sorry,  nothing we can do. '' I asked if i could apply for the forbearance program now ( XX/XX/2020 ). They said i need to call back closer to my next payment date ( XX/XX/2020 ). When i asked why and if their computer system could not handle a request being made 25 days early they said " that's just the way it is, sorry. '' In other words they are just trying to make it harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 got these accounts that does not belong to me and i want it to be remove from the three credit report agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency has debt that has ready been resolved by our medical insurance. The debt was caused due to a data entry error with the original debt owner. It has been requested, multiple times, including in writing via USPS, that a letter needs to be sent to us showing the amount of debt/account information. As explained to them, this is needed to match up explanation of benefits from the insurance company to show they paid the amounts. they have also declined to provide a total debt amount to me. They promised to send the information via the mail multiple times but it has not been done. Now they call myself and my husband daily. When they call they hang up as soon as we answer. I've attempted to call them but each time I am put on hold then hung up on. Several prior conversations, including a letter, advised that the debt did not exist. They state that it is not their responsibility to contact their client ( the  original owner of the debt ) and if I want it resolved I will need to provide proof to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX* 3. Accounts XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with an employee of XXXX XXXX XXXX XXXX XXXX on XX/XX/20, where we agreed to settle the account with Discover Bank for {$150.00}. The original balance was {$210.00}. I received a confirmation letter of the agreement and the rep took my payment. He then provided a confirmation number. Then on XX/XX/20, I received a letter from XXXX XXXX XXXX stating that Discover Bank referred my account ti them with the past due amount of {$52.00}. 
On XX/XX/20, I sent a certified response letter via USPS to XXXX XXXX XXXX. I never received a reply from them. So, I called them and was told by two lady representatives the matter would be resolved. On XX/XX/20 I received yet another letter stating I owe {$52.00}. I have now sent an email of all of this information to XXXX but this has now passed the 30 days they had to respond to my initial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX XX/XX/XXXX {$0.00}.

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 2021-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: NY
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:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2023-06-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: NCB Management Services 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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: IA
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 requested 6 old statements of my Citi Card to view on line. After 6 days and no results, I called them. It took 4 hours, 2 line disconnections, and many departments to try to settle my problem. Asked to talk to a supervisor, and line was disconnected again. I stopped for the night, as it was XXXX XXXX. The next day I tried to call again. Could not get through the automated responses. After they said, I would be taken care of by the next representative, the phone went dead. This happened 3 times. I am very frustrated with Citi Card customer service. These statements ( more than 12 months old ) are important for an accounting report I am working on. Furthermore, Citi Card started emailing me my statements without my permission, as I used to receive them in the mail. This would never have happened if they mailed me my reports in the first place. Now I am at their mercy in having access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a customer of Bank of America over 6 years and I had a credit card with them with card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went in sever XXXX state and was hospitalized till XX/XX/XXXX. 
When I got back I saw my two credit card were maxed out and two other were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money.

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 2020-07-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was approved for a loan from the SBA ( Small Business Association ) Application # : XXXX In the amount of {$80000.00}. I had these funds deposited into my Suntrust checking account. The bank froze my account, then closed it. Which they have a right to if they suspect suspicious activity etc. I have no answers from the bank about why they have my loan funds and have closed my account. I have made several attempts to give documents to prove the funds came from the U.S GOVERNMENT. I have no response from the bank, no return calls, only that they know nothing. I understand the laws of the secrecy act for banks for laundering money. There has been no papers served to me with any kind of accusations. The Suntrust bank is acting in bad faith by not sending me a check after closing my accounts. The balance owed to me is XXXX. They have not given me any chance to show where the funds originated or why. I understand it is the banks trained employees call. And that is fine. I am in no way laundering money nor do I do suspicious activity. I have no criminal background at all. I would like to get my loan funds {$64000.00} from Sun trust.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are the inquiries I'd want removed from my TRANSUNION report. TRANSUNION is claiming I sent an incomplete FTC Identity Theft report so I am updating it to reflect the updates. The inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again please remove these inquiries from my report. 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 2020-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-16
Company: Northstar Location Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with an employee of Northstar Location Services , LLC on XX/XX/20, where we agreed to settle the account with XXXX XXXX  for {$150.00}. The original balance was {$210.00}. I received a confirmation letter of the agreement and the rep took my payment. He then provided a confirmation number. Then on XX/XX/20, I received a letter from Northstar Location Services stating that XXXX XXXX referred my account ti them with the past due amount of {$52.00}. 
On XX/XX/20, I sent a certified response letter via USPS to Northstar Location Services. I never received a reply from them. So, I called them and was told by two lady representatives the matter would be resolved. On XX/XX/20 I received yet another letter stating I owe {$52.00}. I have now sent an email of all of this information to Northstar but this has now passed the 30 days they had to respond to my initial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Information belongs to someone else

Complaint:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2017-12-16
Company: Herbert P. Sears Co., Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with HP Sears. I have never entered into a legal binding contract with HP Sears and you can not report to the credit bureaus if there is no contract with the company. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX  XXXX. 
If no validation is provided, proving I have never signed into any legal binding contract with HP Sears, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Again, I would like to see a legal binding contract between HP Sears and myself confirming I owe referenced, reported debt. If HP Sears can not provide a contract, I want these items removed from my credit reports with all 3 major bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a late for XXXX 30/60/90 on my credit however I have paid all minimum payments or larger. They are telling me it will take 3 billing cycles which is NOT acceptable.

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was under the impression that I was signing up for Transunion 's {$1.00} credit check. 

I had done this with 2 other agencies and wanted it on Transunion just to double check my information since I was applying for apartment. 

I have no idea how I signed up for anything outside of the trial period, I was reading each screen carefully. This month, about 2 months after signing up for Transunion, I realize I have been getting charged $ 25 monthly. I called and they said they would only reimburse me for 1 month. 

On top of that, online it says their monthly fee is {$19.00} so I was getting charged MORE for a product that I didn't even sign up for. 

This almost feels like a scam. I signed up for the other agencies with no problem like this, Transunion is the only one that did this. This is a disgusting, sneaky thing that they did, but it is even worse they are continuing this practice during COVID, and that they wouldn't refund more than 1 month.

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