BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-07-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My previous apartment complex XXXX XXXX XXXX located in XXXX XXXX Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of XXXX dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please be advised this is my WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or deleted 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 non-monetary relief
Consumer complaint received 2023-03-16
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Our lease was up with XXXX XXXX and we were finishing the final stages. According to the reports XXXX XXXX sent me personally : on XX/XX/XXXX we paid a payment of XXXX which XXXX told us was left owed as a deficit. That shows on the statement as bringing it to XXXX balance. On XX/XX/XXXX the bike was returned and it shows XXXX balance. It does not show a balance again until XX/XX/XXXX. Thats when I was sent a letter regarding an amount of XXXX and given till XXXX to review and call in and it has no actual due date. It also states on the letter that it had already been reported to our credit bureaus. On XX/XX/XXXX the bike was sold for more than assumed and it cancelled some of that balance leaving XXXX. And this is the first date this amount was shown. On XX/XX/XXXX my credit was reported 30 days past due with a past due balance of XXXX ( not even a balance on the statement ) which is only 10 days from the day the charges were added. It dropped my credit score 114 points XXXX says our account remained open and thats why it was reported past due, there was no balance to pay or report until XX/XX/XXXX and reported it over 30 days late 10 days later. Customer Service continues to tell me they will show the account paid/closed. That does not take this fraudulent past due report off and it will remain for 7 years. I have made that clear to her and explained that is not how credit works. She has ignored my requests for a credit contact and gives me the run around with reporting it PAID/ CLOSED. It is paid and closed I also want that incorrect past due off my credit. As of XX/XX/XXXX there was XXXX balance again. I have filed with the XXXX also and they responded with the exact statement aboce, which says I was never 30 days late but that is what was put on my credit report. It has dropped my credit 114 points and will affect us buying a house if not removed!

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 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was scammed {$200.00} on XX/XX/2018. I sent the recipient {$200.00} from my Bank of America account to his XXXX XXXX account using the XXXX payment. 

I filed a fraud report though bank of america and they said they have contacted XXXX XXXX and that XXXX XXXX has rejected my claim account. 

The XXXX transfer confirmation number is # XXXX to XXXX XXXX The recipient called me from ( XXXX ) XXXX, he has blocked my phone number when I tried to call him back. 

The recipient also emailed me from XXXX Any help you could provide to get my money back would be greatly appreciated.

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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.

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 2018-02-15
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan with XXXX in XX/XX/XXXX, I totaled the care in XX/XX/XXXX. When the car was totaled, my insurance company paid the loan as well as my gap coverage. My mother, XXXX XXXX, co-signed this loan with me and was checking her credit report in XXXX and it showed the XXXX   XXXX was written off as a bad debt, not as a paid off or written off as a loss. I have repeatedly asked XXXX to send me the complete payment history including the payoffs and keep getting told they have sent it or its in process. I did receive a letter from gap showing their payments. this has completely dropped my mothers credit score from the 800s to the 600s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Equifax Information Services LLC is in violation of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Equifax Consumer Report without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines which is a result of IDENTITY THEFT. A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ).

15 USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law, EQUIFAX INFORMATION SERVICES must remove the following unauthorized inquires that were pulled without my written authorization and permissible purpose listed in my notice sent Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One bank auto system for balances is not going threw and it puts me on hold for 45 min or longer to speak to some one. I don't have 45 min or longer to speak to some one. I want the automatic system. Capital One Bank was paid off in full on XX/XX/2020 I tried to check my balance after paying the balance on the statement and calling to make sure there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: CITIBANK, N.A.
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: Problem with rewards from credit card

Complaint:
I had 2 Citi credit cards. The Citi Prestige card and the Citi Premier card. The Citi Premier card was due for renewal, so I decided to downgrade it to a no annual fee card and keep the Citi Prestige. I called Citi Customer Service on XX/XX/2022 and spoke to a supervisor named XXXX from team XXXX. The purpose of my call was to combine my XXXX accounts, then downgrade the Premier card to the Reward Plus card. This way, I would not lose the ability to transfer points to airlines and prevent the combined points from having an expiration date. I explained to XXXX what I wanted to accomplish on the call. XXXX was helpful and worked with me for almost an hour to make sure things were done as I requested. He confirmed the following : XXXX. Citi Premier XXXX account was transferred and combined with my Citi Prestige XXXX account. XXXX points were combined with my Citi Prestige XXXX account for a new balance of XXXX points. I did notice the balance that was being reflected online was XXXX points ( this was before my XXXX statement was generated ), but he said it would be reflected within XXXX hours. 

XXXX. He confirmed none of the new point balance would have an expiration and that I would not lose the ability to transfer any of the points to airlines. 

Today, I checked my Citi account online and noticed that XXXX points were expiring on XX/XX/2022! Please see screenshot attached. Also, I did not see the point balance of XXXX points was more than XXXX points. 

I called Citi and spoke XXXX XXXX XXXX, who was very unhelpful and claimed that there was nothing she could do about the expiration! She claimed that they needed to listen to XXXX 's recording for the next step. I asked about the point balance, but she wasn't willing to help.

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 2022-08-15
Company: Synovus Bank
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. 
SYNOVUS BANK XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/2021 my credit report had a big discrepancy XXXX XXXX Equifax XXXX : XXXX How can there be a XXXX point score difference

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: URS Holding, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Our account with XXXX XXXX XXXX Hospitals and Clinics was turned over to a collection agency called XXXX XXXX XXXX. When we realized this information we tried to contact XXXX XXXX XXXX  Hospitals who would no longer work with us regarding our account. We missed payments due to my husband 's multiple hospitalizations in XX/XX/2017, XX/XX/2017, and XX/XX/2017. We also tried to make payment arrangements with the collection agency XXXX, but we could not afford the payment arrangements they offered us. We offered to continue payment with what we could afford, and XXXX refused our payment we offered and stated that we would " HAVE TO GET A SHORT TERM LOAN FROM ONE OF OUR BANKS OR FILE BANKRUPTCY. '' I don't understand how collection agencies and hospitals can treat people this way, especially when we are trying to make arrangements to pay whatever we are able to pay. It is not an option for us to take a short term loan. My husband is recovering from XXXX and a XXXX XXXX XXXX and has just returned to work after being on medical leave for more than 2 years. We simply do not have any extra money ( certainly not the $ 500- $ 600/month ) which was the only payment arrangement offered to us by XXXX . Why can't they work with us or change the terms of the collection? I have never experienced anything like this before. This is not right by the hospitals or the collection agencies. My family will pay our medical debt, but we need help and flexibility so we can still continue to live and take care of our family. These payments are not reasonable or we wouldn't be in collections to begin with.

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 2016-10-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have used Chase Credit Card check for 3 % interest last year. I remember that I need to pay in full in XXXX, 2016. So I paid in full much early than due date Chase specified. But I still being charged for interest {$96.00} at interest rate 15.49 %. I am a very careful small business person. But I have still been tricked by these Cunning bankers. Banks and their politicians would like to get rid of CFPB so that they can suck our blood dry, these Greedy bunch. No wonder, American Peoples hate them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-06-07
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX : Applied for Refinance of my mortgage. Amerisave loan officer ( XXXX XXXX NMLS ID # XXXX ) said that he copied my information from my existing mortgage ( a joint mortgage with my spouse ) that is with Amerisave to the new application. Was committed a loan credit of {$1600.00} towards the closing cost. 
XX/XX/XXXX : Received email commitment from loan officer on the rate protection. 
XX/XX/XXXX : Received a call from XXXX XXXX XXXX XXXX XXXX a loan processor to review loan information. She informed me that the application is not in joint name and said the loan credit is only {$960.00}. 
XX/XX/XXXX : Received closing disclosures with a different loan credit ( earnest money ) of {$960.00} versus original {$1600.00} committed. 
XXXX XXXX XXXX XXXX : Had several email/calls with XXXX XXXX XXXX She told me that XXXX XXXX would be able to add my spouse to the application and I have to talk to XXXX about the earnest money. 
XXXX  XXXX : XXXX XXXX on the error. 
XXXX  XXXX : Got response from XXXX that " I have all of her information, so I can get the new file started, have her added, and get everything taken care of for you. Just confirm for me that you want me to add her for you '' XXXX XXXX : Replied back " Yes please add her ''. 
XXXX  XXXX : Got new disclosures and realized that it is a new loan with different terms. The original loan was cancelled and the new application had different fee structure. This came as a surprise as the loan officer never disclosed that it will be a different loan application with different rates. I had asked him to add my spouse to the loan application and not cancel the existing one. Also the original application was what XXXX copied from the existing loan so I assumed it was accurate. 
Between XXXX XXXX XXXX : contacted XXXX and his manager through email and voice mails. Never got any call back to my voice mails. Got clarification that the pricing is going to be what is in the disclosures. Shared with them that i was planning to file a complaint. 
XX/XX/XXXX : Got email from XXXX XXXXXXXX XXXX  manager XXXX XXXX XXXX that they will honor the original credit of {$1600.00} and will re-issue disclosures. 
XX/XX/XXXX and XX/XX/XXXX : I have followed up with XXXX but did not get any response from XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
Please be advised this is my WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or deleted 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