BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: InDebted Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Attempted to contact Indebted Debt Collection multiple times to discuss repayment or settlement of debt. Called XX/XX/XXXX and left voicemail requesting a callback. Called XX/XX/XXXX and spoke with a representative from the complaint department. They advised there was someone in the office who could contact me about the account and that they would reach out. Called XX/XX/XXXX and left an additional voicemail requesting contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX  account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 1604 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 explanation
Consumer complaint received 2021-04-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/21 XXXX XXXX called in regards to XXXX on behalf of HSBC XXXX XXXX. The number they called was XXXX and stated they were attempting to collect a debt on behalf of the HSBC XXXX XXXX. I told them I do not owe anything to HSBC this has been resolved years ago and this was over ten years old and this was fraudulent. The person hung up on me after I stated over and over on an allegedly recorded line this was a fraud. This is my third complaint regarding a company having some of my personal information and stating they are calling for HSBC XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX7 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2016-02-12
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They call my number over and over. There is never a person on the line when we answer, just an automated system advising of a collection, and to call an XXXX number. A person should not have to call a collection company to inform them they have the wrong number. This seems like harassment. Most people in collections, which I am not, will not call a number back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I submitted a dispute to equifax on XX/XX/XXXX and not even a day later they are claiming the reinvestigate my issue. I submiited paperwork to them back in XX/XX/XXXX that I was a victim of idenity theft. The below inquiries as well as accounts should have been removed as I did not apply for any of the loans or accounts. 
XXXX XXXX Bank Card Service XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CT, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXL, P.O BOX XXXX, XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXXL/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This company, Goldman Sachs Bank closed my account without any notice, no secure message, no phone call, no letter, literally nothing and not only did they close this account on me without notice, but it caused my main bank, XXXX to freeze my entire account again with ZERO notice of this happening. When I tried to resolve the issue I was told they had closed the account as of todayXX/XX/XXXX2017 but yet I still was given no reason why ... I do n't understand how banks can get away with this, its one thing to reject a customer but no they accepted my application I did nothing wrong ... I have only had at most {$1000.00} in the account at any time and what exactly did I do wrong? I demand an answer or I will consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is yet the most recent banking practices and I believe someone in the bank has targeted my accounts for malicious activity. Money deposit from one acct to another from person cash funds to business acct as capital was immediately available since the bank made the direct withdrawal and deposit. Acct showed funds available and clerk identified funds were available, then weeks later acct shows negative balances. Also bank over a month later after my complaints to charge for inaccurate and duplicate transactions an analysis fee which is also related to the bank staff reviewing acct when ever they choose. Bank does not want customer to have access to their own data and continues to put barriers to charge fees. Like trying to eliminate deposit slips and performing transactions without the knowledge of the customer. Please explain to me what is going on.

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 2020-01-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Fifth Third Bank. I have paid my mortgage payment every month through my checking account automatic payment system. For the XXXX 2016 payment, my bank sent the usual amount of {$3300.00} to Fifth Third on XXXX XXXX. On XXXX XXXX, I received a letter from Fifth Third indicating that they can not apply the amount because the monthly payment should have been {$3400.00}. Apparently, the amount increased due to a change in escrow requirements,. I immediately sent Fifth Third another payment of {$72.00} through my bank and called Fifth Third to advise them. I was told that neither the original {$3300.00} nor the {$72.00} could be applied and that I need to send another single payment for the full {$3400.00}. If Fifth Third did not receive this by XXXX, I would be assessed a late charge. I then went on the Fifth Third website and sent the full payment and called Fifth Third back to request a refund of the {$3300.00}. I was told that this amount could not be refunded until the {$3400.00} was credited. I asked ( on XXXX separate calls ) that the {$3300.00} be returned to the bank from which it had been sent. I waited until XXXX to determine if the refund had occurred. I then called Fifth Third on XXXX and was told by the first representative that the payment had been sent back to me. I asked if it was sent electronically or by a check - she disconnected the call. I then called Fifth Third back and was told that there was no refund and that Fifth Third had applied this amount to principal. I again asked for it to be refunded and was told that a check needed to be ordered. I asked for interest on the payment since Fifth Third had wrongfully held on to my funds for 2 weeks and was told that they refused. As of now, Fifth Third has kept my funds, demanded that I make a second mortgage payment and refused to provide me with any assistance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Fifth third Bank appears to be structuring their checking account transactions so as to generate more overdraft fees for themselves. More specifically, it appears as though they 're delaying the posting of transactions, and fees to generate more overdraft fees. I had an insurance payment of {$160.00} on XXXX, which showed as paid on XXXX by the insurance company. Fifth Third did not post this to my account until XXXX. Then, on XXXX before XXXX I made a withdrawal from a non-Fifth Third ATM. They did not deduct this from my available balance until XXXX ( posted on XXXX ). They also delayed tran non XXXX XXXX ATM fee they charged. It seems like they should charge the fee at the point of the withdrawal. The only reason to delay that fee is to misinform the customer on their true available balance ( resulting in overdraft fees XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission

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 2022-06-16
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The CRA 's arent allowing me to freeze, lock, or View my credit. XXXX is not updating any information to view. Status is internal lock. Transunion will not allow me to enter my account without forcing a membership. Please help Fix the issue please

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 2020-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account was the result of identity theft and was therefore closed and removed from my credit file, then it mysteriously pops back up on my credit report but still closed, now today, my credit scored drops 48 points because the account was reported as delinquent but yet is closed account. I demand that this be removed from my credit report immediately, makes no sense the way the credit bureaus operate, how can you report active activity on a closed account! Crazy! XXXX  XXXX XXXX  XXXX account # 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 2022-06-16
Company: EQUIFAX, INC.
State: GA
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 Convergent Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I purchased a XXXX  XXXX  XXXX. It was financed through GMAC. I paid off the truck in XXXX. I never received a title. I am now trying to sell the vehicle 12 years after I paid it off. I tried to obtain a replacement title and was told I couldnt because I owed XXXX $ on the truck according to Ally auto. Ally auto purchased GMAC from my understanding. I have not once heard anything about owing anything until I tried to obtain a replacement title. I have spoken with a lawyer and filled out a petition to file with the courts. He told me that in Texas the statue of limitations is 4 years or 10 depending on the situation. It has been 12 years since I talked to any finance company about my XXXX  XXXX. I would rather not have to go to court and waste everyones time. They should just mail me the title or release the lien. Also, I feel they should be obligated to follow the laws in Texas. Now they are trying to say its even more money they want before they will release the title. This is against the law I would presume because it has been over 12 years since the truck was paid in full to GMAC. I believe something may have gotten mixed up in paperwork years ago but it till doesnt explain why I have never been contacted about it if I owed any money.

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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 shocked when I reviewed my credit report and found late payment on XX/XX/2019 & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: GA
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  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX 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 explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
After receiving my credit report, I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.

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 2022-06-16
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: Report provided to employer without your written authorization

Complaint:
After receiving my credit report, I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: PA
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 recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USCs1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SYNCHRONY FINANCIAL
State: AR
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 have a degatory remark on my XXXX  report. The amount is XXXX I have tried to file a complaint with credit bureau to get this removed. This is with symgorary bank. I dont even have a card for this account. How do i get this removed asap

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