BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Ive contacted XXXX, XXXX  and Transunion XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX and Transunion XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.

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 2019-01-31
Company: Commonwealth Financial Systems, Inc.
State: GA
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:
opened : XX/XX/2018 Balance : XXXX I called to see where the bill came from and was told it was from me last apartment. I spoke to a representative befor I moved to make sure all my bills were pay in full and accounts closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: MI
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:
As stated before about my identity theft that took place in XX/XX/XXXX. There still remains one account in question of its validation. I would like to see an original hand-written signature and the original contract within 30 days of this request according to my rights shown in section 609 of the Fair Credit Reporting Act. 
Please send me copy of my authentic signature and the original account contract for this account ( circled in attached credit report ) : XXXX XXXX ... Act. # XXXX If an original signature and original contract can not be shown I'd request this account to be deleted as well. 


So far only XXXX XXXX XXXX- ( Act. # XXXX ) was able to validate themselves as a valid creditor with my original signature and original contract information. 

thank you for all that you do, XXXX XXXX XXXX this below was the original dispute I had sent you : " As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my original filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX  Credit Union Report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request. ''

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 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted Capital One Credit on XXXX XXXX, 2017 regarding denying my access to online banking account to pay my credit card bill. I tried to access my credit card account with the same user id and the same password as I have always used and was denied further access to look at my credit card account information unless I provided my income information and employment status to the company. After calling the company and speaking to a representative and an IT technician I was told that I must provide this information in order to have access to my online account to pay bills. I was never notified by Capital One of this policy change and that unless I provide such information to them I would no longer be able to pay my credit card bill online in the future. As I was told the information is needed for security purposes and identity purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Hospital ( XXXX XXXX ) was set up with XXXX to collect debts owed to the hospital. We had charges from previous medical issues that were not covered by insurance and we need to set up a monthly payment plan, which we did and were paying every month via and automated deduction from our checking account. The accounts were never reported to the credit bureaus because were were not delinquent. At some point at the end of XXXX, XXXX was dropped and XXXX XXXX was given our account. Then out of the blue we started receiving phone call regarding the debt owed. There was never any written notice that XXXX was no longer servicing the account and that we would need to work with Arcadia, so we were questioning what these debts were and from when. At one point the person calling gave us incorrect dates of service as well as incorrect parties they were collecting for. Upon calling XXXX Hospital, we found out that XXXX was dropped and Arcadia was the new service provider and we would need to contact them regarding the accounts. As of XX/XX/XXXX, via online, I paid all the accounts off. I have requested that Arcadia report this the credit agencies and have the incorrect information removed from my reports. I notified Arcadia of my intent to report this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credior kept on reporting my account as late payment. But I was never late, I already disputed this. The two bureaus already remove this from the reports but Equifax still reporting this as late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019, I contacted the Southern Finance in XXXX SC in regards to harassing phone calls to my phone, my husbands phone and to the reference on mine and my husbands accounts with them. Also, they spoke with my mother in regards to my and my husbands information about the accounts there. The manager XXXX acted as if she didnt care about my complaint and so I got the home office # and left a message with a receptionist for there supervisor to call me, so about 30 mins maybe he calls me, I told him my concerns and told him that I know these things are illegal and he acted as if all he was concerned with is when we where gon na pay the bills, not about us as his customers or my concern at all, so I told him I would be contacting the XXXX XXXX XXXX about this matter, he got made and told me he would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never been a client or customer of CitiBank, and I received a debit card and temporary PIN number in the mail today, Friday XX/XX/20, from them. I did not ask for an account to be opened or request a debit card. I immediately called and was connected to the Debit Card Fraud Department, spoke to XXXX, and froze the account. I have not received any checks in the mail, but I told her the sending of the debit card in the mail unwarranted is against the law. She said they will do an investigation on their end and to call Citibanks Citi Identity Solutions Dept. when they are open on Monday, XX/XX/XXXX. I told her that I need a confirmation in writing mailed to me of the closure of the account, but she said I need to reach out to Citi Identity Solutions for that letter.

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 2020-10-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company I had my checking account with was Chase Bank. An issue came up with my checking account with it being in the negative and fraudulent transactions. I tried calling them immediately when I found out. I was told to wait a few days and call again. A few days went by and I called again to hear that Chase had ended their relationship with me, in other words, closed my account. I had asked a lot of questions to why my account was closed and they wasnt saying much for the reason why. I told them that I havent had anything to do with whatever the issues are besides the overdraft fees here and there ( but it was taken care of within days ). So I am still asking questions differently so I can get an answer but it didnt work. I did ask since they closed my account, can I get the remaining money that was there or the money that I lost with the suspicious transactions, they said that they will return my money eventually. I need my money now because my bills are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2019-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with {$10000.00} on XX/XX/XXXX and deposited at HSBC Bank. I left the amount in there for the terms requirement and longer to received the {$350.00} bonus but never received it. I messaged the company after 120 days but was told to wait the full 8 weeks from the 90 days point. I was told at the time, I fulfilled the requirement and would get the bonus. I waited the full 8 weeks and chat with them again, just to be told the marketing team will be going in to it on XX/XX/XXXX. The message, I received is that the marketing team will investigate and get back to me within 3-5 business days. I waited until XX/XX/XXXX and still have not received a response. Here is the terms of the of the account. 

Advance checking {$350.00} bonus requirements Open new HSBC Advance checking account by XX/XX/XXXX Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

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 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a loyal Bank of America customer of almost 10 years. My rent check of {$1900.00} was stolen in XXXX. I filed a claim and it was confirmed on the same phone call that someone with a different name and bank account got a hold of my check, and deposited it somewhere in Florida. Over three months go by and I receive zero updates and communication regarding my claim. On XX/XX/2020 my debit card declined at XXXX while trying to get groceries during Covid-19. I immediately panicked and checked my checking statement. I came to find out that Bank of America denied my claim of my stolen rent check and withdrew {$1900.00} from my account. After hours of being on hold, I managed to reach a Rep. who advised me to " check my spam '' for communication. Apparently communication was never sent to my physical address and they denied the claim due to not receiving any correspondence from me. Per my last phone call I was told that my claim would be reopened, and that I would receive a phone call by Fraud Department Analysts after their meeting. Over an hour went by and I never received that call. I called again, this time to be told that there is no documentation of my previous conversation with the Rep. who reopened my claim and that the Fraud Analysts would not call me. My bank account is now negative during a global pandemic.

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 2022-01-07
Company: Professional Debt Mediation, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection with a company that I never had dealings with. Professional Debt Mediat is reporting falsely to all XXXX credit bureaus that I owe. This is not my debt and I am demanding that this is removed from all credit reporting agencies immediately. This has put me in a hardship and has caused me emotional stress due to the fact it's hindering me from getting approved for a home. I would like for this matter to be taken care of expeditiously so that I am able to move forward with the purchase of my home. I would like to receive a full step by step detailed documentation of this investigation. This is not the first time I have tried to take care of this matter I keep getting that this account is verified with no documentation on how or who verified this. I haven't received any paperwork with my signature to confirm that this debt belongs to me because there is none. I never signed any agreements with Professional Debt Mediat nor have I given them permission to access my information. I need for this to be removed immediately. They are also reporting every month that I haven't made a payment this has been going on since XX/XX/2019 and is a form of harassment and a violation of my rights. I have attached a couple of the reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: OH
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:
While recently moving to Florida, I was going through tough times financially. I missed one payment of 30 days in XX/XX/XXXX. That is the only payment I have missed with XXXX   XXXX. Even going 2 to 3 years without missing a payment they will not work with me or accept my goodwill request as of XX/XX/XXXX. The credit agency, experian also was not able to help.

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 2019-03-15
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX, the processor of the XXXX credit card, lied to me about their policies and intentionally processed a payment, received within one billing cycle, to the next billing cycle in order to charge me interest in the amount of {$3.00}. The representative of the company initially couldn't even figure out why I had been charged. A supervisor refused to reverse the charge. I have paid the account in full and closed it, though a I feel that this company should be stopped from lying to customers and intentionally processing payments late so that interest can be charged when it truly isn't applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked 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 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 malied in list of disputes ffrom false and inaacurate information listed on my XXXX  Credit report. I did not recieve a response within 30 days of XXXX  recieving my disputes and still have not recieved any update. In addition the items listed on my XXXX  Credit report are inaccurate and negatively affecting my abilty to obtain credit.

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