BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: DE
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:
The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and Equifax is reporting closed and XXXX is reporting open. 
4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal. 

They also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Received a letter from "XXXX XXXX XXXX" and a check from "XXXX XXXX XXXX." in the amount of $XXXX. The letter indicated that the check was to cover the amount of legal and administrative fees associated with the winnings. I deposited the check into my USAA checking account on XX/XX/2019, and followed up the next day with the bank to see if the check had cleared and been deposited into the account. The USAA representative (and the balance on the phone app) told me that the check had cleared on XX/XX/XXXX. This conversation was recorded. On XX/XX/XXXX, I sent out a check in the amount of $XX/XX/XXXX for "fees" as directed by the letter. On XX/XX/XXXX, I was alerted by USAA that the check from XX/XX/XXXX had bounced. Had USAA not repeatedly told me that the check had cleared into my account, I would not have made any additional steps. I have been defrauded by this company but I was also not protected by USAA as their representatives gave me deficient information that led to me being defrauded by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Apple Card by Goldman SachXXXX Bank XXXX XXXX ) in XXXX of XXXX ( XX/XX/XXXX ) GSB permitted a charge to my account in XXXX of XXXX ( XX/XX/2021 ). Numerous calls to GSB has not rectified this situation. GSB can not give me an answer as to whether this will happen again in the future. A closed account should mean closed and no longer accepting charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, our daughter had a hair tourniquet around her toe. We used XXXX to try and remove it at home. After a while, the indention was still there, so we decided to take her to XXXX XXXX XXXX. When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the hair actually had dissolved and only the indention was left behind. We told the hospital that under the lighting, we could tell that the tourniquet was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collector, XXXX, on XX/XX/XXXX and explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt. I spoke with the Patient Advocate at XXXX XXXX XXXX in XX/XX/XXXX and she told me she would do what she can to help me get this resolved. Nothing came of it and she never contacted me again. Nobody can even give me any other phone numbers or information or help me to resolve this and XXXX continues to harass me.

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 2022-07-21
Company: Genesis FS Card Services, Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some one in Texas Fraudulantly opened a FEB DESTINY credit card in my name and it is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt collection company has had this account on my record for years and I was not aware as I was not paying very close attention. Now that I am paying attention to my credit and clearing it up, I asked them to remove it as did the original creditor XXXX-who the debt was paid to- and they refused until next year. No payments were made to this company and the original creditor even called them when the account was paid off and removed the account from them and has since sent another request ( in the last 60 days XXXX to remove the account to which they still refuse. This is a tactic that is hurting my account and they refuse to abide by the creditors request or mine to have the account removed and so I am taking the next step in a long drawn out process. I want this collection off of my account before next year

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Bank of America has a history of abusing the elderly and XXXX veterans.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 2020-06-15
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/16 a late payment was processed through DITECH CO for XXXX ( my XX/XX/XXXX payment and made a future dated payment for XX/XX/XXXX which would have been drafted XX/XX/XXXX. On XXXX/XXXX/16 a web bill pay was made through my bank in the amount of XXXX to GREENTREE SERV TYPE ( this was a Payment that should have been stopped by my bank since a cancellation was requested on XXXX/XXXX/16 because I made a payment directly through DITECH CO., my bank XXXX XXXX XXXX said they were unable to stop it because it went through as GREENTREE. ) due to this mistake my account became overdrawn. I spoke with DITECH CO on XXXX/XXXX/16 who agreed to return funds within 4-5 business days. This was not done. After numerous calls made to get the funds and getting the run around it was now XX/XX/XXXX. I told the representative to keep the funds and apply to my account for XX/XX/XXXX payment since we are in XX/XX/XXXX now. They said ok. 2 weeks later I get a notice of default because my XX/XX/XXXX payment has not been paid and I 'm still owing on XX/XX/XXXX payment ( which is lost by them in the first place ) so I call back and spoke to XXXX who said he will take care of it personally and advised me to make my XX/XX/XXXX payment in good faith that XX/XX/XXXX will be resolved. So I did. Now two more weeks later I called them because I 'm getting ready to pay XX/XX/XXXX and they still are saying I 'm behind a month and keep giving me the run around. They told me today I have to wait 30 more business days. I just want somebody to help me get this resolved because I am being given the run around and my credit is being affected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage was transferred to Ditech few months ago from Green Tree, where i have file few complaints about charges they claimed they had made to my property, and the result to that complaint all fees were supposed to be waived. and a letter was sent the Office of the President also and the fees were supposed to be waived. Now Ditech who has my mortgage has been charging me something call ( CORPORATE ADVANCE BALANCE {$75.00} ) its under account information no real explanation why, but under my explanation of amount where it says escrow, interest, principal, now there is a total fees & charges of {$7.00} i called today to find out what are fees are for since, I spoke with XXXX # XXXX who told me its for repair that was done in my property so its been broken down every month. I have tried to tell her this issues were resolved but i could not get a word. My major concerns now my account has been bounced around from XXXX company to another company and their statements not even clear to understand the charges. I need help dealing with the charges on my account that are not supposed to be there and a better explanation of statement** CORPORATE ADVANCE BALANCE** no one understands what that is there for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MO
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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


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 2021-12-13
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2021 I contacted XXXX to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. XXXX attempted to use the old account charged me a {$29.00} fee. I contacted XXXX on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped XXXX points because they reported a late on my report. I contacted XXXX and they apologized and said the late would be removed due to the error on THEIR PART within XXXX days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. 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 explanation
Consumer complaint received 2020-05-28
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Key Bank XXXX XXXX XXXX, XXXX, WA XXXX closed my checking account citing fraud. They reported the closure to XXXX XXXX XXXX  Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I submitted a dispute to XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating the re-investigation confirmed the information on my checking account. I did not commit fraud on my checking account. I do not believe a thorough investigation was performed. There was not any fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Concord Resolution Inc (Closed)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A representative from a company named Concord XXXX phoned me claiming I owed for a pay day loan from XXXX. The representative could not identify the company where the loan originated. She knew my address and said numerous attempts were made to serve me a summons. She also claimed they were representing XXXX XXXX, a clearinghouse for collecting pay day loans. My credit union account shows no record of any pay day loan during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I wrote a letter to Transunion on XX/XX/XXXX, asking them to remove any old addresses, employers, and any old personal information from my credit file, and they did. I also asked them to verify the accuracy of a public record, and to delete it. They recently sent me a new credit report, but they did not remove the information that was asked of them.

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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX i called Capital One to pay off balance in full $XXXX.  On the day I called I asked for the full pay off amount including interest. The woman I spoke to, who was the supervisor, calculated the interest on the account  and included more just to insure that the interest would be covered. I payed a total of $XXXX which i was told would bring the account to XXXX. On XX/XX/XXXX I logged back into my  account to see if the payment was posted and noticed there was a credit on the account for $XXXX. I called Capital again to verify that there was a credit on the account and the person I spoke with told me I over paid the interest due and I had the option of keeping the credit on the account and using it towards future purchases or having a check sent to me. I opted to have the $XXXX mailed to me in a check. On XX/XX/XXXX I noticed that on the XX/XX/XXXXthere was a finance charge posted to the account for $XX/XX/XXXX. I called Capital One about this discrepancy and the supervisor i spoke with was trying to tell me that the $XX/XX/XXXX was not a credit but was there to cover the finance charge. I informed him that this is not what I was told as previously stated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-04
Company: Experian Information Solutions 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:
I send a dispute letter to Experian on XX/XX/XXXX and Experian ingored it while the XXXX response to my letter which was send 2 days after i notified Experian. 
When i tried to dispute online experiance refuse to dispute the information while XXXX did send them through investigation and deleted two of them. 
I learned that experian is notorious for not properly and throughly investigating consumer disputes and i want the CFPB to take notes about experian bad practices. 
The following are the account that experian is not disputing : XXXX XXXX XXXX .... Deleted by XXXX and Experian refused to thoroughly investigated it. 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX  XXXX .... Deleted by XXXX and experian refused to investigated it.

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 following accounts and inquiries have been reported as identity theft, under penalty of perjury, they have been illegally made under XXXX XXXX name and SS # XXXX : A ) Accounts 1. XXXX Acct XXXX 2. XXXX   XXXX* 3. XXXX XXXX XXXX B ) Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  C ) Place of Employment Fraudulently reported as 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 explanation
Consumer complaint received 2015-08-25
Company: ARC Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got phone call from ARC around XX/XX/XXXX and got a mail XX/XX/XXXX, XXXX report me to credit bureau on XXXX XXXX, even before I got notice from them!!! 
accounting to " Fair Debt Collection Practices Act '' this federal law said '' Debt Collector Must Send Written Notice of a Debt '' and with five days of contacting me, a debt collector must send me a written notice telling me the amount of money I owe and the name of the creditor. But ARC DO NOT do this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: OH
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation