BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1 ) I called XXXX credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with Trans Union in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud! 

2 ) My second complaint is regarding Trans Union Credit reporting agency.  I contacted Trans Union in regard to My XXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that Trans Union erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to Trans Union. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and Trans Union with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!

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 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00}

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 2017-08-02
Company: TRUSTMARK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did an owner finance with XXXX and XXXX XXXX I was told by Trustmark National Bank to only pay them my mortgage as XXXX XXXX are not to be paid any longer. The XXXX 's and Trustmark are refusing to provide an audit of my payments and payoff of the mortgage. I have provided the contact information of both below. I estimate my payoff to be XXXX EMAIL for XXXX XXXX  XXXX XXXX Cell : XXXX  XXXX XXXX Vice President Trustmark National Bank XXXX XXXX XXXX XXXX, Texas XXXX P : XXXX F : XXXX E : XXXX NMLS # 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 2021-02-05
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received an alert from the credit bureaus that AssetCarellc flagged my account as collections. I have continually requested for this company to verify the debt to which they never have via mail in 2020. They would remove it then months later it would reappear. I'm disputing due to the fact that the hospital acknowledged that the charges were incorrect and processed my insurance XXXX XXXX XXXX. However a collection agency is trying to collect on an already paid account. I then dispute it with XXXX  requesting a detailed outline of billing to which they neglected to provide. They just updated the account within 36 hours with no proof or verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: FC HoldCo LLC
State: NC
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 financed a vehicle with Flagship XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.

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 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank lies to me their executive office writes me emails never calls me leave voicemails they never return my calls very rude to me and I told them dont debit card is not the same as it was contactless tap pay technology they are horrible

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 2021-02-05
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a washer and dryer from Home Depot several months ago. They attempted to deliver damaged washer and dryer on XX/XX/XXXX. I refused the delivery. 
I requested a refund from them. It took a week to credit the Home Depot credit card I had used. 
I had paid the balance of the card in full for the washer and dryer in XX/XX/2020. 
I requested a refund from the credit card company and they said it would take 5 days. Its been 5 days and no refund. Now they say up to 17 days. 
Im wondering if they are going to refund my {$1600.00} at all?

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 2021-02-05
Company: EQUIFAX, INC.
State: NV
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:
Equifax and XXXX  were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: STERLING JEWELERS, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
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 have been writing the credit bureaus and this company about this account and they are both refusing to validate or verify the debt. This particular complaint is against this company. I want this account removed from the credit reporting agencies because its inaccurate and false and they refused to verify or validate the debt and gave me a stall tactic response. I have attached the documents that I sent to them and their response. This has been going on too long and I am fed up with this foolishness. I am not attaching any identification documents for my fear that this company will use it to fraudulently validate this debt. This account has so many inaccuracies across all three bureaus

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My debt was from XXXX and I asked debt collector doesn't it come off my records in 1 month because it was XX/XX/XXXX and I was told debt falls off record after 3 years the debt collector than proceeded to have bad attitude and threatened that if I didn't pay the day of that they would reset calendar for 3 more years and I want be able to get house or anything else dealing with credit because they would use this debt to affect my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: TN
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: Other problem getting your report or credit score

Complaint:
Two months ago I signed up to get my full report for {$1.00}. Unbeknownst to me it was through Experian and only gave my Experian report which was a total waste. Now Experian has locked me out of my account until I pay XXXX for a service I do not want nor signed up for. I have tried resetting my password and answering their security questions which they can never keep right and I have to constantly call and get them to fix them which I am wondering if they really do.

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 2021-02-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME AROUND XXXX OF 2017 A CREDIT CARD FROM COMENITY BANK/XXXX  WAS OPENED IN MY NAME WITHOUT MY CONSENT. I HAVE TRIED CONTACTING THIS COMPANY DIRECTLY WITH NO RESPONSE. I AM A VICTIM OF IDENTITY THEFT AND WANT THIS ISSUE RESOLVED AS SOON AS POSSIBLE. THE AMOUNT IS {$350.00} DOLLARS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: AZ
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 became aware of a collection issue on my eqaufax and XXXX   account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX..i have never had a account with XXXX XXXX, never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. XXXX and eqaufax simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .Eqaufax and XXXX violate the FCRA without any evidence of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant phone calls to a personal cell line as well as to my work line, at a government building. On average, I have received 5 to 6 calls per day, per phone number. Today alone, XX/XX/XXXX they have called at XXXX, XXXX, XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
hey, i was using paypal to sell my product, my product was XXXX  templates, so after 2 months and half i got limited for reason i don't understand, from the message i got on the email on XX/XX/2021 says " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited ", when i did search for templates as product i found it acceptable as digital products. 
even refunds was about 0.05 % .i did tried to contact them, but just the bot was responding back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A UTILITY BILL WAS OPENED IN MY NAME WITHOUT MY CONSENT FOR {$660.00} DOLLARS. I CONTACTED THEM DIRECTLY WITH NO RESPONSE. PLEASE ADRESS THIS ISSUE 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 2018-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an issue with Bank of America and there " Keep the Change, '' promotion. I was told to keep a savings account open to keep the change from my checking account. I was told that as long as I had {$300.00} jointly between all accounts I wouldn't be charged fees since all my accounts were bill linked. After looking at my account on XX/XX/2018 I noticed a negative balance with $ 5 monthly maintenance charges going back to XX/XX/2016. 
I would have just as easily closed the account but was told by a Bank of America customer service rep at a branch that it wouldn't cost me anything to keep it open. 
I spoke to customer service XX/XX/2018 to close the account due to deceitful banking practices. I was told one thing but treated another. The customer service rep credited me {$5.00} and than was told to close the account. 
I have been a Bank of America consumer for over 20 years. It pains me that an organization could put 100 % of the blame on the customer. I do hold myself somewhat accountable for not monitoring my account 100 % of the time and putting 100 % trust into Bank of America. Bank of America is liable for the initial conversion and answers to my introductory questions to the account. If I had been told originally of the underling problems that would have persisted, I would have closed the account back in XX/XX/2016.

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 2017-08-02
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt collection agency, Central Financial Control is attempting to collect on a medical debt in the amount of {$560.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On so many levels I am frustrated this is totally wrong and it is a shame as a veteran for this country I have to continue to pay consulting fees to companies in order for them to instruct me on how to deal with all of this false reporting on my credit reports. I have sent so many letters to these companies and they are refusing to act accordingly. This is heartbreaking and its making me delusional. As a veteran I should be able to move forward with my life without being given more frustration because of unwillingness to follow the law. This is absurd. I have attached all the documents from the previous months that I have sent and I am asking these companies to remove all this mess. It is false, inaccurate, erroneous and someone keeps running my credit. This is illegal under the united states laws and the FCRA and the FDCPA, Im not an attorney I dont know what Im suppose to put here. WHy WHy Why do you keep costing me more and more money? Please respond. You arent responding to some letters and when I did receive a response it was totally bogus.

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 2019-02-20
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX {$490.00} XX/XX/XXXX {$270.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$77.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$52.00} There are no contracts, no valid claims ... accounts were settled with original creditors by insurance carrier and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow.  Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, I have a letter from the original creditor stating that I have a closed account that is paid with a XXXX $ balance XXXX XXXX with XXXX XXXX XXXX. XXXX and XXXX already removed this closed account from their reports but Transunion did not. Being the fact that the other 2 credit bureaus removed the 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 2018-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.

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