BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Eagle Accounts Group, 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: Old information reappears or never goes away

Complaint:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XXXX/XXXX/2019

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-24
Company: CITIBANK, N.A.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I received my first phone call from Citibank notifying me I had not paid a Home Depot charge. The Citibank employee ( XXXX ) investigated and found that I had not paid for a part that was ordered online in XX/XX/XXXX. 
I explained that I had not received a bill and she notified me that I had signed up for paperless billing. I would beg to differ that I also signed up to receive a paper copy as well however they did not have a record of that process. I was connected to a supervisor, XXXX at this time. 
XXXX stated I owed {$140.00} and I asked for a decrease and Citibank decreased the amount by {$37.00} which left a balance of {$110.00}. I also explained to XXXX the situation and that I had inadvertently missed the emails and they could not re-send what they had emailed me now. I said this sounds " fishy '', explained that I had an EXCELLENT credit score and pay my bills! So I paid Citibank {$110.00} on the phone. 
Now, I am looking at my credit score and it has dropped to " very good ''. I think this is un

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 2020-09-10
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been attempting to pay off a credit card that I have with BBVA USA. I use an external checking card with XXXX XXXX XXXX  and have made payments for the last year. I made a payment on XX/XX/2020 for XXXX XXXX which BBVA showed as accepted. On XX/XX/XXXX, BBVA reversed this transaction and the proceeded to place a block on the credit card. I was told by BBVA credit card services that only card services can remove this block, however when transferred to card services I was unable to recieve anyone by phone on XX/XX/XXXX after being on hold for over an hour and transferred by numerous departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
usaa removed fundes from my account alledged it went mortgage payment but it didn't in the process i am beimg forclosed on brcause the mortgage ha n't been paid but the funds left my account each mounth the fund werein some cases reversed why and why wasn't i notifyied are charge a return fee how could did this happen n since the va payment came monthly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-03-24
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This {$620.00} debt was placed on my credit report XX/XX/XXXX. I have been fighting this debt since XXXX. The companies involved are Phoenix Financial Services and XXXX XXXX XXXX XXXX XXXX they have placed this negative remark on my credit report and I had health insurance through the state of Georgia and there should not be a unpaid medical bill on my behalf. There are two separate negative remarks totaling to {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
A business loan taken out by an XXXX is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the 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 explanation
Consumer complaint received 2023-05-11
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
This credit bureau regardless of the information provided refuses to properly update my credit file. I do not know why or how the CFPB allows them to continue to violate the FCRA and does not enforce any standards against this company. 

XXXX XX/XX/2023 they yet again will not delete false unverified information from my file. The source they list has provided me and them with documentation that the item on my file is not verified but yet they continue to lie and state it is verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 dispute some illegal credit inquiries on my credit report. TransUnion Credit Bureau stated that they were verified. So I disputed the illegal credit inquiries directly with the companies that requested my credit report. They did not respond to my request for proof that I authorized these inquiries. 

Attached are letters that were sent directly to these companies and U. S. Postal Service confirmed that they delivered my dispute

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 2019-03-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, an indirect deposit was made from a XXXX XXXX in XXXX. I called PNC to let them know what happened and I was told that PNC was going to enter notes in the system and call the branch to let them know about the error. The problem continued to happen. And I kept calling every Monday like if it was my new routine. I received the same scripted message that they would call the branch. Long story short, the deposits stopped in XX/XX/XXXX. On XX/XX/XXXX PNC withdrew all the deposits from my account. {$1200.00}. I received no notification from PNC. So I called the bank and they said that they sent me a notification through the mail. When I asked them when it was sent, they said today. Which doesn't help me. So I was in the hole for {$1200.00}. My direct deposit reached my account and PNC took it. So my new balance was still in the negative. PNC corporate tried to remove some of the fees, but the fees continued to accumulate. What bothers me is that I'm paying for PNC 's ERROR! They advised me to do a cash advance from my PNC credit card to pay the debt. At this point I was furious and frustrated I just wanted to close my account, so I did do the cash advance. I went to a PNC branch in XXXX, IL. and they stated that in order to close my account I would need to be in " XXXX '' balance.So I did empty it out. And now PNC is racking up all kinds off fee 's on me. I'm super done with this. I'm trying to close my account. I owe nothing on the accounts. Please help! 

I have heard nothing but horror stories with PNC when people attempt to close their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
this company radius filed a collection on my credit with no notice or contact. i have no idea what they are claiming, who sold them the junk debt, because I have no debt. They call a relative and asked questions about me without announcing themselves and its recorded. these are bad people.

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 2018-04-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report from XXXX, XXXX & XXXX. On all three reports, Synchrony incorrectly reported balance and charge off amounts. This account is over 6 years since charge off. This is an old account. 
Partial Acct # XXXX There are incorrect balances, dates, and closed date showing. I immediately disputed this information with XXXX, XXXX & XXXX and the results of the investigation came back as verified by your organization. 
According to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I was curious as to what kinds of records you may have for this alleged account. 
Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. I submitted my written request to you to conduct an investigation and provide me with the original documentation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request, but you failed to respond within this time period, per the FCRA, you must remove this negative information from all three credit repositories or face litigation with punitive damages of {$1000.00} per error and I fully intend to utilize litigation if needed to resolve 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 explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my Transunion and XXXX  reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.

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 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My US Bank account was disabled XX/XX/21 due to bouncing a check ( {$7900.00} ). I was transferring money between my HELOC and US bank. {$7900.00} was not available in the HELOC account. This caused the account to overdraft. I immediately became aware of this and wrote another check for {$7500.00}, bringing the account to positive ~ {$4000.00}. the customer support line directs me to the branch that placed the hold. I have called the branch over and over again, left messages for XXXX XXXX to call me back. I spoke with him once without a resolution, at that time i demanded the account be closed and the balance sent to me immediately. I have called his boss XXXX XXXX and left several voicemails without response.

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 2019-03-24
Company: WELLS FARGO & COMPANY
State: IL
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:
XXXX ( a wells fargo company ) has been reporting a 30 days late payment on my acct since XX/XX/2016. i have spoken to several agents to have this negative info removed to no avail. wells fargo has been repeatedly involved in questionable business activities ; failing to report accurately to the credit bureaus being an ongoing 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 non-monetary relief
Consumer complaint received 2020-05-28
Company: Commonwealth Financial Systems, 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:
This complaint is for Commonwealth Financial Systems legal/compliance dept. Your company has stated that they have complied with HIPAA laws yet attached you will find a HIPAA LAW thats states an authorization form must be obtained from a patient before any of their PHI is shared. I received a copy of my childs medical records including procedure without knowledge or request. I suggest this company read over those HIPAA laws again and then send me the authorization form signed by me to release such information. I would also like a copy of the debt verification I requested. I received a full breakdown of my childs medical records without receiving an authorization form attached. THAT IS A REQUIREMENT!!! As a business entity you have every right to send limited information but instead you carelessly sent a full breakdown of services rendered. SHAME ON YOU ALL!!! I have already submitted a HIPAA complaint with the documents I received attached. I have no problem paying the debt with the settlement funds I will receive from this company for clearly being in violation of HIPAA. Also if your company is so sure that you did not violate any laws then I will see you in court. They can determine for us whether any violations were made. I made sure to keep all paperwork!

Company response to consumer: Closed with explanation