BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing 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 explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.

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 2021-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
I'm attempting to use the site : XXXX XXXX XXXX to obtain my credit report from Experian. I've attempted this three or four times over the last two or three weeks. Each time, after filling in the form, I get the message below. This may have been fine for a day, possibly a few days, but for this to go on for weeks and months is unacceptable and needs some oversight to get them to solve this problem. Yes, I can request my report other ways, but that's why this system exists. 
Thanks for looking into it. XX/XX/2021. 
======================================================== We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA 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 2023-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, there should only be hard XXXX inquiries on my credit ( there's XXXX hard inquiries showing right now ) : The following XXXX are valid hard inquires : XXXX ) XXXX XXXX for car purchase XXXX ) XXXX for car purchase Please remove the following hard inquiries from my credit : XXXX hard inquiries on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, JPMCB Auto Finance ) were not authorized And, another hard inquiry on XX/XX/XXXX ( JPMCB Auto Finance ) was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX collections are violations and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a fraudster gained remote access to our PC pretending to be a software engineer intent on fixing an alleged software bug. While inside the computer, the scammer gained access to our online banking although he was never explicitly provided a password. The scammer was able to successfully initiate a {$500.00} XXXX transfer to an outside party, while Bank of Americas algorithms intercepted and blocked two other attempted transfers. Client alleges that : - The client has banked diligently with Bank of America since XXXX! 
- The client is retired, relies on fixed income only, and has experienced difficulties during COVID - the fraud specialist who handled the case on XX/XX/XXXX was negligent and did not sufficiently uncover in time the {$500.00} out of the SAV and only looked at out XXXX  - Bank of America circumvented the provisions and protections of RegE covering ACH transfers when encouraging clients to use XXXX - Bank of America did not sufficiently fulfill its zero fraud liability pledge - Bank of America did not sufficiently keep up with recent fraud trends of offshore parties gaining access to clients devices. XXXX did a recent documentary on this

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 2021-04-12
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent 2 letters to this company asking for verification of debt. It has been over a month since my first communication. First letter was sent on XX/XX/2021. Second letter was sent on XX/XX/2021. I have yet to receive any response in accordance to what I owe and verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to work with my lender and they continue to advise they don't receive documents. These people don't care that you are having a hardship and don't even look at the documents. I even have my counselor helping which he keeps getting ignorant reps who just say they don't get the documents. He spoke to XXXX today, who didnt even take the time to look for the last modification packet that was submitted on XX/XX/2021. Her customer ID 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 2023-05-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citizens bank na sent me a letter that I owe them XXXX I have never had them and to assume that it is mine is illegal without verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2020-07-22
Company: Account Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was scheduled for an XXXX  to check my XXXX and other areas in the first part of 2016. Before they would perform the procedure, I was required to pay the full amount due ( after they spoke to my insurance ). The billing office set me up on a payment plan leading up to the procedure date to ensure it was PIF. 

On the date of the procedure they sent me to billing to ensure payment was made in full and I made a final payment to fulfill their request. 

The most important thing to note here is that this facility does not perform procedures without payment in full. They made me clearly aware of this prior to the date of my scheduled XXXX. 

Months after my procedure, I received a bill from them for over {$500.00}. I called on multiple occasions and initially the person I needed to speak to was always " out of the office. '' Finally I received a call back and explained the situation. They said they would get back to me. I never heard back again. I called to follow up a few more months down the road as I was receiving notices from collections, and they say they do not know anything about the initial situation, as they are collections. Any amount in excess of what I paid out of pocket was to be billed to my insurance, per what the billing office of the facility figured out and informed me prior to the procedure. I have been trying to resolve this for 4 years and I am extremely frustrated and want it off my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been with Capital One Bank a long time, and I have always appreciated the good value and service I have received from Capital One Bank. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of Capital One Bank and will be happy to do so as soon as we get this matter cleared up. Will you kindly send me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
If you believe it's correct, I demand : The date whomever validated it was correct. 
The method used to validate this Billing error. 
The name of the person who received the permission to Validate this error. 
The documents used to determine this error. 

I would appreciate it if this matter were handled in a timely manner. 

XXXX XXXX XXXX ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been reaching out to this company since XX/XX/2019. I been calling and getting no response, I also been sending in letters every month to dispute false debt. I'm frustrated because this debt is in collections on my credit report. The debt it totaling {$470.00} from XXXX and XX/XX/2019 and its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, two mobile deposits were made to my USAA checking, one for {$4600.00} and the other for {$2400.00}. When the deposits were made, there were no reg cc disclosures made available to us. Instead, both deposits were made immediately available giving the impression that the deposits had cleared the issuing bank and no information provided that a hold should have been placed to give sufficient time to clear the issuing bank. The both deposits returned on XX/XX/21 and XX/XX/21, leaving us financially harmed because 1 ) the bank didn't provide any reg cc disclosures at time of deposit 2 ) the bank made all funds immediately available thereby making the bank customer assume all was well and 3 ) at no time did the bank alert us of the possibility that the deposit would return leaving us financially harmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
I would like the unauthorized inquiries that i see on my credit report deleted i have reviewed and followed the steps to identify this inquries to make sure it wasn't mine and i have reach out to the creditors as well but it is still showing on my 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 2018-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I received an offer in the mail from Citizens Bank  that stated I'll get a {$200.00} bonus if I opened a new checking account with direct deposit. It is now XX/XX/2018 and I still haven't received my {$200.00} bonus from them. I've called customer service multiple times and they keep saying to wait. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-02
Company: V and H Portfolio
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
I was divorced in XXXX. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX XXXX. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage XXXX XXXX property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2022-12-16
Company: Experian Information Solutions Inc.
State: NY
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 items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX 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

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