BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: P.S.C., Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company continues to send threatening collection letters after I disputed the debt in written form which they received and provided written documentation that the hospital and medical center forgave the debt under a charity case. I have attached the documentation for your reviewing including the letter of forgiveness. I have advised the creditor this debt is disputed, contingent, and invalid and they still continue to pursue. Please investigate this collection agency for violation of the fair debtors collection practices act and fine accordingly. In addition to this complaint I have turned the documentation over to a consumer advocate attorney for review and possible suit for collection act violations. 

Thank You 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
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 USC 1681 Section 602 states I have the right to my privacy 15 USC 1681 Section 2 it also states a consumer reporting agency can not furnish an account with out my written consent Instructions.

15 USC 1666B A creditor may not treat a payment on an credit under an account open and a consumer credit plan as late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

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 2022-07-03
Company: CITIZENS FINANCIAL GROUP, 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 information incorrect

Complaint:
I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from Citizens on my Mortgage and any and all late or missed payments are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. XXXX is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of XXXX closed and all workers were force to work from home. I called and wrote to Citizens about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXX, died of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to Citizen 's was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
The edd unemployment paid me {$8000.00} on a bank of America pre paid card..i received the card and was able to get only {$1500.00} off my pre paid card as i went to XXXX for XXXX months and when i got out my card was " closed '' this was sopposedly due to I'd verification..so i called the edd unemployment and submitted my documents proving who i am numerous times and went thru I'd me also. I received a w-2 1099 form for the {$8000.00} and had to even claim it on my taxes even though the boa has my money still even after proving whom i am. They just keep giving me the runaround about that the edd has to tell them to open my card or give me my money from claims dept. The edd says they can't freeze a debit card with boa and they aren't the bank. I was paid this money. Because i was qualified for unemployment and only need to prove who i am. I gave my state I'd i gave birth certificate my phone bill..i even passed I'd me with it's as i got my stimulus immediately after i went through I'd me.whom edd also uses to verify identity. They tell me they have nothing to do with idme which is a lie. It's been over a year fighting for my money that i desperately need. If i paid taxes and to have the documents from edd bring paid and received a 1099 income tax stub that i had to claim on my. Taxes why don't i have the money? Why should i have to pay tax on money i never got? And they will not give me my money. 
Edd told me that they could never ever take that money back from me..as i did not do any fraud. It was only I'd verify and o complete numerous times. They have to by law give me my money. Why can't i go into a boa bank in peon and show my I'd and get my money? Why do i have to wait when it's legally my money i paid taxes on? Should i call the police? They have caused me such hardship they are stealing from peopleXXXX had a XXXX logo on the card.dont onhabebprotectin from visa about them? Most states do not any longer use boa as the bank to pay the people because of their theicery fraud activity. They use a way XXXX. Thru another bank. Please help me i have all documentation you need. God. Bless please hurry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-01-10
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
By law the company has 5 days to reach out and form a solution for our issues. First the company stated that nothing has gone up for taxes and insurance and they merged thats why they needed escrow and now all the sudden it has. Ive called, emailed and complained and still no response. Then the company just lowered my escrow by {$80.00} a month for the next 36 months without my permission. I can not afford this! How can you do this in a time like now especially and not phone calls nothing! We need an answer! I do not reccomend loan depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, Equifax, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: LEXISNEXIS
State: MN
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 currently have no bankruptcy records reporting on my Lexis Nexis Consumer Report. I have never filed for bankruptcy. XXXX XXXX, XXXX, and XXXX has informed me that Lexis Nexis verified and reported the following public record : Bankruptcy XXXX XXXX-Discharged, Filed Date : XX/XX/XXXX, Reference Number : XXXX, U.S. Bankruptcy Court , XXXX, Minnesota. The public record is inaccurate and not my public record. I want Lexis Nexis Corporate Office to immediately send a letter to XXXX XXXX, XXXX, and XXXX requesting for XXXX XXXX, XXXX, and XXXX to immediately delete and remove the above public record from my credit reports since the public record is not my public record and the public record is not listed on my Lexis Nexis Consumer Report : XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been paid in full.

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 2022-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I deposited a {$9400.00} check from XXXX into my checking account. My account balance before I made the deposit was approximately {$3100.00}. Later that evening, I attempted to use my debit card but the transaction was denied, stating insufficient funds. I went online to look at my account, and Wells Fargo had put a hold of {$18000.00} on my account ( twice the check amount ), taking my balance to approximately - {$6700.00}. I called Wells Fargo at XXXX to ask why they would hold twice the amount of the check. The first gal I spoke to was unable to give me any information, so I asked to speak to a XXXX. XXXX XXXX came on the phone and the end result was that it " was just part of the process '' of depositing a check. I told him I was hoping it was a mistake, but he insisted no mistake was made and it was just part of their process, and that it was something that could possibly happen again in the future. I've never encountered that in all my years of banking, and I would like to know how or why they are allowed to keep me from my money like that. I understand a hold on the check for the check amount, but not double that amount. I read through my Deposit Account Agreement for Wells Fargo and I can't find anything in there that refers to holding twice the amount of a check.

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 2022-12-03
Company: CCS Financial Services, Inc.
State: FL
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:
Credit Collection Service formerly a XXXX Account # XXXX blatant inaccurate information and according to the FCRA statute 15 U.S.C. 1681s-2 ( A ) ( 1 ), 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. 

However the company reporting it to my credit with the same name and address is saying that this is not there account yet in their name they are reporting it to my credit. If this is not their account it should be removed because it is inaccurate. 

Credit Collection Service at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I starting to receive numerous robocalls about a month ago on our home phone with caller ID showing Navient from an entity claiming to be a XXXX XXXX agency for Navient saying we owe on a student loan. 

They call XXXX or XXXX times a day between XXXX and XXXX pm. 

We have never taken out a student loan and our credit history is clean. 

I have picked up the call several times but only get a recording telling me to call back XXXX. I have NOT called this number. 

How can I get them to stop harassing me? 



Sent from my 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 2023-01-10
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX My sister opened and deposited my Tax return cashiers check for me at the Bank of the West in XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. Later i gave my sister permission to withdrawal money out of the account for myself bc i was unable to do so. The account number is # XXXX. The remaining balance of the account should be roughly about {$21000.00}. When i was home and able to go to the branch myself with my sister, on XX/XX/XXXX around XXXX we spoke to the XXXX named XXXX XXXX XXXX XXXX XXXX XXXX He told us that the corporate security had shut down the account and there was nothing that we could do about getting my remaining balance back. This is unheard of, I've never heard of a bank being able to steal your money before. When i called in on my account it says there was a debt of {$21000.00} XXXX XX/XX/XXXX. But i never took that money out and I'm trying to figure out how to get the remaining balance of my funds. 
Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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