BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-24
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: Was not notified of investigation status or results

Complaint:
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. Transunion and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.

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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Work at a dealership in XXXX XXXX, Ny, was living in XXXX at a time and moved to XXXX, Ny. Due to covid-19, XX/XX/2020, all my checks for the peroid was sent to my old address by mistake by the office and was deposit by unknown person from the old address. It's been months and i have not heard anything from anyone.

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 2023-01-26
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-09-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$0.00} -This is not my account. 


2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1400.00} -This is not 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 non-monetary relief
Consumer complaint received 2019-09-13
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Midwest recovery systems on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I appreciate you taking the time to DELETE some of the information in my credit file ; however, there is still account that need to be DELETE. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!

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 2023-06-14
Company: Experian Information Solutions Inc.
State: MS
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 or XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX or XXXX XXXX # XXXX, Account name : 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 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 2017-09-25
Company: EQUIFAX, 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:
Filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The apartment complex I lived in required that you pay in full your final rent before you move out, which I did. After I moved out a received an outrageous bill for cleaning of the apartment. I went back to the office to dispute the bill, the manager said that a billing error was not taking into account the last payment I had already made. She also said that there were damages ( we didnt get any proof as there were no damages to the apartment. The only damage that they could possibly claim occurred due to a leak in the plumbing ). Regardless I we wrote them a check for {$1700.00} after they determined that {$1700.00} was the correct amount for cleaning and damages. The manager supposedly as supposed to get back to me with proof of the supposed damages but she never did. The complex held the check for several months and finally cashed it in XX/XX/2018. In XX/XX/2018 they turned the account over to collections for the {$1700.00} which they collected and cashed, despite not being able to show me what supposed damages I was paying for. 

When this turned up on my credit I contacted the apartment complex and never got a returned call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2023-01-25
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bad experience with BECU I got my business checking account until one day on the on XX/XX/XXXX of 2022 someone took XXXX dollar on my account and make a payment on a credit card wich it belong to XXXX XXXX and I went over and complain but they say that they cant do anything I m so upset with BECU but they never do anything they say that its my obligation to check my account every day plus the dont give me XXXX XXXX XXXX so I dont recommend BECU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: KEYCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Key bank allowed fraudulent charges from XXXX XXXX car take over {$4000.00} from my account. And the company XXXX was only able to provide one authorization signed by myself for XXXX $ for the week I had a vehicle. XXXX had some sort of computer problem and at one point thought I had 6 rental cars. Key bank didnt even look at my proof of only having the rental car for a week. Instead they reversed the original provisional credit and have refused to look at my side of the story. I had only authorized a payment for XXXX for the length I had the vehicle. I have also had thousands of dollars go missing and when I bring it up to key bank they become very rude wont give me an explanation for where my money is and tell me I need to keep track of my money better then hang up on me. They have stolen thousands from me. They give me a bank account that has no fees and I pay over XXXX $ a month each month in fees?? I am now negative {$3000.00} this is money I inherited from my deceased baby brother. This is unfair and sickening that they would do this. I deposited a XXXX $ check back in XXXX and still have never received my funds from my check. I need someone to help me get my money back. I feel like I have no voice they shut me down everytime and its wrong. They stole from me and allowed my money to be stolen and blamed me for it. They left my family and I stranded XXXX miles from home when they did this and have done nothing to explain where my money is and when I sent in all my proof of returning the vehicle and receipts and email discussion with XXXX them stating the vehicle was Infact turned in on the date I returned it and what matches my receipt. The other documents they have dont even have my signature. I never authorized them to take that amount and my bank allowed it and shut me down. What am I supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Account status incorrect

Complaint:
XXXX is reporting a XXXX XXXX  account it shows a past due balance but of XXXX the account is charged off. 
XXXX shows a past due balance from XXXX XXXX XXXX of XXXX it has also been charged off XXXX shows an open account which is closed and a balance of XXXX with XXXX XXXX XXXX XXXX, XXXX shows a past due balance of XXXX from XXXX the account is charged off there should not be a past due balance XXXX shows a past due balance from portfolio recovery for {$550.00} the account is closed and charged off it also id=s reporting as 120 days late it should not be reporting at all. 
XXXX shows exeter finance as a charged off account with a reporting balance of {$21000.00} it is charged off there should not be a balance reporting. 
I have sent in multiple request that this be removed to no avail my letters are not being read and handled according

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 2020-09-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did not receive the XX/XX/XXXX Statement in the mail. I received no phone call from Credit Card Issuer they had not received payment. I was notified via a credit reporting subscription service advising me my credit limit had been decreased. I visited the Credit Card Issuer 's website and saw that it had indeed been decreased along with a late charge. Upon further review of my records, I never received the XX/XX/XXXX statement. I requested an review and refund for the late fee for {$29.00} and reinstatement of my credit limit and received no response. I do not want this to adversely impact my credit rating for a late payment beyond my control and further damage by lowering my credit limit. Late payment fee and minimum payment requirement were made XX/XX/XXXX the same day I was notified by the credit monitoring company.

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 2023-03-02
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 been a victim of identity theft. All my person information was stolen mainly my social security number and ID. I ask that the following items listed be deleted as soon as possible. Company reporting this fraud information Credit report Fraud items- Name : 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 Incorrect address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 response to consumer: Closed with explanation