BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. I have disputed XXXX with XXXX, XXXX, and TransUnion. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. I also called XXXXXXXX XXXX  XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX  XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XX/XX/XXXX and that is all the data they have from XXXX. The rep from XXXX XXXX told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XXXX XXXX rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through XXXX  XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. Im literally stuck with a plummeting credit score,  loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/19 on either end.

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 2020-10-20
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XX/XX/2017, Armada Corp., advised of an outstanding debt for XXXX XXXX. Proof of payment was given to the collection agency however, their position is that they received the debt prior to being paid and are therefore owed for their services. I have twice sent letters to satisfy this problem and with no response. However, Armada  continues to report the debt as unpaid and will not remove from credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX/XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: Eagle Accounts Group, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have 2 closed accounts one being child support stating I owe over {$5500.00} but says I've made zero payments.. I got all the receipts or records of my payments of what the state has asked for online on the dcf website.. I'm also scared they are gon na take my returns I worked so hard for away again for the 2nd year In a row.

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 2020-10-20
Company: CMG MORTGAGE, INC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2020 : Closing the sell of our property and land Prior to the closing date the closing company called and went over the information on the closing disclosure. 
My husband is a 100 % XXXX Veterans and has exemption from property taxes by the State of Oklahoma. They had charged us with {$800.00} for the 2020 property taxes. I told them at the time that we do not have property taxes due to his exemption.

On the day of closing when we closed, the Property Taxes were charged against us. I again told the closing company that we are exempt. They stated that they were directed by the Mortgage Company GMG to charge. 
We then went to our XXXX County Tax office to see if we were responsible for the property taxes they had charged us with. They said we DID NOT owe any taxes for the 2020 year. I again contacted the closing company to no avail. I then emailed the Mortgage Loan officer and her response was, " We have to collect for
the taxes due for the year. If they aren't due from XX/XX/XXXX to closing date then the ______ (

buyers ) will get a refund once the account is analyzed after the first of the year ''. The mortgage company is holding our money and plans to " Refund the Buyer ''. This is our money not the buyers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 2 months. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. 

Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. 

Issues and Concerns : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. Citibank has ignored the all the documentation that I provided. They failed to look into the evidence correctly. Instead, they rushed with their decision, and did so unproffesionally and incompetently. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : 1. Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered.

2. Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. 

I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. Thank you for your time and consideration.

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 2020-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is now the THIRD complaint I have lodged against Experian with the CFPB for not responding to my dispute within 30 days. I mailed them a dispute on XX/XX/2020. When I didn't get a response I mailed them a demand to comply letter on XX/XX/2020. It is now XX/XX/XXXX, and I have yet to receive a response to my dispute. I have also reached out to my attorney today because they are refusing to remove the incorrect information or even respond to 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 explanation
Consumer complaint received 2020-11-29
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:
Upon checking my credit report I found a delinquent account for {$1800.00} that was not mine. It was at in XXXX XXXX hospital in XXXX XXXX XX/XX/XXXX on XX/XX/. On this day I was actually in court. Proof and documentation that was submitted to original creditor debt collector as well as the credit reporting agency. Upon asking where this bill came from, where this account came from, who do you original creditor was, XXXX XXXX XXXX told me that the original creditor was XXXX hospital XX/XX/XXXX on the date of XX/XX/2016. I worked extensively with XXXX XXXX and XXXX XXXX of XXXX XXXX XXXXXX/XX/XXXX Eating them their investigation in supplying all the different reports police reports and documentation needed. Both Mr. XXXX XXXX and Miss XXXX verified that this was not me it was a fraudulent account and that it should not be reported on a credit bureau agency again. They told me that they reached out to everybody that they could to inform him of this year vacation. But Trans Union and XX/XX/XXXX both kept reporting it and said that it was a dollar discount. Even XXXX XX/XX/XXXX who I also submitted all this documentation along with the letter from the hospital said that they had submitted it for removal it would just take a break and out of time. However Trans Union and XX/XX/XXXX decided they wanted to keep it on there even with it being verified from the original creditor And debt collection agency that it was not mine it was fraudulent that it was deemed to be removed.I mean they had the LETTER from the original creditor saying that it was not mine! I find this very irresponsible especially in with the Covid pandemic we were all struggling beyond Our wildest imagination.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX 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 XXXXXXXX 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
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: Personal information incorrect

Complaint:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that 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 2019-02-04
Company: Experian Information Solutions Inc.
State: UT
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 as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-11-07
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLE RECOVERY is reporting a debt that I do not owe them to all three credit reporting agencies. I have asked for verification that I owe them and they have failed to do so despite continuous requests and challenges. 
act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In late XX/XX/2021 our phones and internet service with XXXX failed to work. We spent 2 weeks trying to get the problem fixed. It was not fixed so we cancelled our service. After dealing with XXXX for several weeks on various charges they notified us on XX/XX/2021 that there would be no more charges, then on XXXX XXXX I was charged {$270.00} which was my typical monthly charge. On about XX/XX/2021 I called Synchrony Bank and explained the problem. I was told to fax and fax only, the copies of documents. I did on XX/XX/2021. After not receiving any reply I called in mid XXXX and was told the documents indicated to be not in my favor. I contacted the Massachusetts AG about XX/XX/2021. On XX/XX/2021 I received a notice that the AG office opened my case # XXXX. Today I received a notice from AG office that Synchrony Bank was not responding and referred me to you..

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 2023-05-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I got my Blue Cash Preferred credit a year ago. I received a welcome bonus of {$350.00} XXXX months after having the card. Last month I called to cancel my card and amex representative never told me anything about them charging back the bonus. So after closing my account a few days later I received a {$350.00} charge to my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 XXXX Accounts XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical bill is not valid as at the time of service I had full insurance that should be covered 100 % of this bill. I am not responsible for this account. The doctor 's office should have billed the insurance in a timely fashion and if they didn't do so then its not the patient responsibility.

1. Please send me proof that the insurance refused to pay this bill 2. I also need proof that this bill was billed within the timeframe stated by the insurance company.

3. I need a copy of all these documentation as I don't agree with this bill as its not my responsibility as I met the deductible at the time of service.

a. Written Authorization to collect this debt b. Evidence and proof of this alleged debt including a contract with customer signature c. Date of actual default and last payment to the original creditor d. Proof of validation letter sent to the client e. Notarized signature for a person authorized to collect and date f. Has any insurance claim been made by any creditor or assignee regarding this amount? 
g. A notarized statement that alleged debt was not utilized as a profit or loss deduction and was not claimed as a loss with any assignee of the creditor during the period it may be payable.

h. If this alleged debt is the results of an assignment please provide the contract and terms for this assignment and attached copies as proof thereof. 

Please send me a list of all the documents that were requested by the consumer advocate group mail directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Alliance CAS, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to negotiate a final payment to settle XXXX debt with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The collector added additional Interest, collection cost and fees to the passed due balance. Do the collector have the authority to add additional fees after receiving the closing statements from the original company. Is this considered unfair business practice by the collectors?

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