BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check to XXXX XXXX XXXX as a donation. Although the check was written to an institution, someone at Truist Bank allowed a private individual to endorse and deposit the {$5000.00} check into their personal account. This should be a clear violation of their banking policies.

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 2018-08-06
Company: HSBC NORTH AMERICA 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:
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to mak
e a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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 2021-07-12
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began working with Amerisave in XXXX to refinance my existing mortgage. I provided the requisite documents and paid their {$500.00} fee. What followed was an endless demand for additional documentation that has now become redundant and ludicrous or irrelevant. I spoke to a representative, XXXX, earlier this week to review and clarify the remaining questions and issues. A few days later, I received yet another boilerplate email asking for the information I had discussed with XXXX earlier in the week. Because of their delays, the process rolls into a new month so then they ask for updated profit statements ; it appears there is no end in sight. Reviewing XXXX and XXXX, evidently, this has been their M.O. for years -- they take their fee and then bury their customers in demands for documentation -- you sued them in 2004 with a settlement in the millions for a " bait and switch. '' As an example, they are now asking for 2 or 3 copies of business receipts. My XXXX is a XXXX of XXXX XXXX XXXX XXXX XXXX that do about XXXX XXXX a year. Acquiring receipts isn't just impossible and ludicrous, it's redundant because the company 's income is reported in federal tax returns ; nobody would report more income than they are really making because it would mean they're paying more in taxes than they should have to pay! The loan officer is XXXX XXXX and the latest round of demands have come from XXXX XXXX. They've changed their operations a bit since they lost the lawsuit in 2004 but from my experience, they continue to operate in an unreputable fashion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina from XX/XX/XXXX to XX/XX/XXXX and paid my Rent of {$810.00} per month for the 2 Bedrooms 2 Baths to date. The Apartment manager charged me a " 1 month Rent of {$810.00} Refundable deposit '' before I moved in, with the promise that they are going to give me that money back when I move out which never happened.

Surprising after withholding my deposit when I moved out, they still had the order-city to put some unauthorized charges amounting to {$1500.00} on me and gave me to a collection agency called National Credit Systems who have been harassing and damaging my Credit for almost five years now. I do not owe anything to pay to the Apartment company, they rather owe me my deposit Refund of {$810.00} Therefore, I would appreciate you contacting this Collection agency on ( tel. XXXX ) or on any other means for them to remove the {$1500.00} debt from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 first notified you of the fraudulent activity months ago by a letter sent through the regular mail which you received. I know you received it because you responded telling me you needed me to call. Unfortunately, I travel a lot and calling is not so simple all the time specially, when you give me an XXXX number that doesnt work outside the United States XXXX somebody should educate your staff so theyre aware of that. Eventually, I have time and I call just a few days ago. First time transferred three times. I finally get a woman on the phone is actually able to help. I explain the situation and she wasnt really sure why the fraud claim wasnt processed. But she told me dont worry she understood the situation and that she would make sure that she had all the information she needed and start the investigation. Apparently all of a sudden I got your attention since you havent been able to help for months prior to this. Now, all the sudden after multiple letters telling me to call, you send me a letter bear weigh two days after Ive called and tell me that youve completed a reevaluation of the claim. When did you evaluate the claim to begin with because you never communicated that with me, there was never a credit issued to the account. I want to know what date it is, that you evaluated the claim initially, and how you communicated that with me? And you were able to reevaluate the claim in such a short amount of time that seems virtually impossible. If you have signed contracts I want to see a copy of every single one of them. I want to see my signature on there. Because just because the thief that stole my credit card signed a contract doesnt mean that I signed it. You know this I shouldnt have to tell you this I dont know why youre being so difficult. I am uncertain if you have not just broken the law. Because I did my part and theres supposed to be a XXXX liability for fraud. I didnt have the card in my possession. I didnt give permission to anybody else to use my card I didnt benefiting anyway from the card being used I never signed any contracts nor did my authorized user, we didnt even have the card and from the representative I spoke to just a couple days ago they were transactions in Indiana and Illinois and Tennessee XXXX I mean I dont even know how thats possible to be an all of those places. I guarantee you after this we wont necessarily be closing the account, but we will make no effort to use these cards. You clearly can not be trusted to protect protect your customers when something goes wrong.

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 2022-08-16
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:
Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error.

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within 30 days of reciept of this complaint.

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past six months.

I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.

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 2021-08-11
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was charge for {$1400.00} for some sort of medical bill from XXXX XXXX XXXX XXXX XXXX. I XXXX  this place. I have NEVER been there in my entire life. I also called the collection service, PARAMOUNT RECOVERY SYSTEMS/ ( XXXX ) XXXX several times and line rings busy. I also called XXXX XXXX XXXX XXXX XXXX and they had automated system to put me on hold forever. I did some investigation and found out over 100 people left reviews on XXXX to say the same things as me. I tried disputing this collection twice in past 2 months and XXXX  " verified '' this is my collection. I would like to know how they even verified when I couldn't even get to them? AND I was never been to the place before. Please help me report XXXX XXXX XXXX XXXX XXXX and I would like to dispute as soon as possible. I did not even have my SSN until end of XXXX This is affecting my credit very badly and would like quick solution. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
so I was looking for a retention bonus to keep my card open I talked to a rep overseas if you listen recorded call he said he could put a XXXX credit on my account XXXX miles if I spent XXXX on the account in 3 months when he presented the XXXX he never said anything about spending the XXXX so I talked to his supervisor who said they would listen to the call. so he said it would take about 3 weeks for a resolution so somehow it only took.day or so and the company said the rep did say there was a XXXX spending limit and he did not say this at all. then I called back and supervisor said he listened to it and said the same thing I was like well let me here the call and they would not let me do that because I know what he said and he did not mention this XXXX spending in order to get the XXXX credit. I have written to the coperate offices on this mater several times and they not responded to me once I sent about 3 emails to the ceo that were all unanswered. I even called the corporate offices 2 weeks ago that give me an email to send it too and they still have not answered yet I just want my XXXX credit I was promised over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: MI
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2018-08-06
Company: Patient Accounting Service Center
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter on XX/XX/XXXX attempting to collect on a debt from XXXX. That same day, I went to the company 's website, specifically their 'contact us ' form and used the email : XXXX to explain that the debt was not valid and to stop contacting me, etc. However, their email address was no good and the email bounced so I used the 'contact us ' form on the same page to re-send my statement. Today, XX/XX/XXXX, I have received a further letter from XXXX saying that they have not received a written request asking to validate the debt and as such, they may now presume the debt is owed and undisputed. This clearly is not the case as I have now sent a further email, which again bounced, and another email using their online form. I attach below the emails sent as well as the email failure notification. Sorry, we were unable to deliver your message to the following address. 

<XXXX> : XXXX : XXXX [ XXXX ] : Recipient address rejected : Access denied [ XXXX ] -- - Below this line is a copy of the message. 

This debt is not valid. See the message below from XX/XX/XXXX. I  requested to cease communication with Arstrat and have received a letter today, XX/XX/XXXX, saying that I did not send a written request asking us to validate the debt. I already advised that the debt was invalid on XX/XX/XXXX. 
-- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX>To : " XXXX '' <XXXX>Sent : Saturday, XX/XX/XXXX, XXXX XXXX   EDTSubject : Debt Validity Dispute WID : XXXX I have received a letter in the mail today, XX/XX/XXXX insisting that I owe XXXX XXXX {$91.00} under account number XXXX with a service date of XX/XX/XXXX. I am disputing the validity of this debt totally. It is invalid as I provided my insurance information to XXXX XXXX at the time of service. I was required to have some XXXX work done by my doctor during my XXXX XXXX. I suggest XXXX XXXX request payment from XXXX XXXX XXXX, my insurance company. My ID with them is XXXX. Their phone number is XXXX. I have already provided XXXX with this information on two separate occasions with no communication following except for this letter now received from XXXX. I now request to cease communication with XXXX as is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Had chase card for many years. Then I had an enormous amount of unknown, unauthorized charges. They pretended to help me. took a few off but didn't really affect the large amount of fraud they were allowing. I asked for the card to be cut off. I paid it off and did not activate the new card. They sent me a new card. However they continued to allow charges to the old card, no matter how much I complained. So I stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I just need one question answered ... that Wells Fargo is refusing to do. 

You told me that XXXX XXXX XXXX you with a delivery receipt, that I said I did not sign. You had me sent over a copy of my signature to verify the signature was not mine. It was verified not to be my signature, but you took it anyhow and threw a long standing customer under the bus. 

Why? Answer the question for once. Don't babble about fraud and hire an attorney ... you chose to accept a signature that was verified by Wells Fargo not to be mine. 
There was no thorough investigation done.

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 2018-08-07
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with company online XX/XX/18 stating I did not have knowledge of account. The company updated account XX/XX/18. Having not known what that meant i sent via certified mail XX/XX/18, a letter ( example uploaded ). The dispute was opened XX/XX/18 and company again updated XX/XX/18 without the requested verification. XXXX  deleted the account stating meeting FCRA requirements XX/XX/18.

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