BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # 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 an 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 non-monetary relief
Consumer complaint received 2022-03-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a credit Card with Barclays. I received the card but never activated the card. 
I was then charged a {$89.00} fee on an unactivated card. I was not aware of the charges until my credit report showed 30 day late payment from Barclays. 
I would like Barclays to be investigated for this fraudulent activity. 
Also, Barclays negative reporting the credit agencies and associated cost to be immediately remedied.

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 2021-09-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX Account # : XXXX Balance : {$570.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial Control XXXX Syndicated Office Systems is reporting a debt to XXXX XXXX XXXX XXXX.It shows on my reports as account number XXXX. The collector is collecting for XXXX XXXX XXXX where I had XXXX XXXX some time ago.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an XXXX we can go anywhere.I thought I was having a XXXX XXXX with all of the symptoms of one. I was on the phone to VA staff explaining my situation, they told me to call XXXX.An ambulance was called and transported me to XXXX.When treated I provided information that I had full VA medical benefits.This erroneous bill and debt should not exist.You must delete this account according to law as the responsibility for payment was the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: CA
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 applied for an auto loan today XX/XX/19and I was not approved because there are 3 accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments or transactions regarding any of those accounts. I also have never had any written/verbal contract with any of those companies and I never gave them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to 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 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I just had a recent call from XXXX XXXX reps supervisor to call and tell me the samething her rep XXXX told me that when I reported my atm card lost and reported nothing was done in getting the finger pointed back at me telling me bank of America does not care both these women are unprofessional and rude I tried to explain to XXXX that I had tried to report this and nothing was done this is very frustrating that no one from this company takes anything serious I never owned an XXXX and im tired of being called a liar I want a manager to give me a call I 'm going to file more complaints with bbb, and the state of ga bank of America is not doing there job all they want to is call you and blame you and not resolve anything and I will not by no one from this company call me a liar when I reported my XXXX card lost and charges I did not make and I will not tolerate anyone telling me I 'm wrong is when none of this was handled right I do have evidence of me not owning a XXXX and I have other evidence to show what bank of America has n't done to resolve this but instead call me with excuses I want someone in hiring authority to contact me not XXXX nor XXXX, I called about a concern to report a problem and I 'm also going to the branch manager if I have to to get her to contact corp about this, I 'm tired of this and very angry that bank of America only cares about laying the blame on me instead of listening and pointing the finger please have a manager contact me asap thank you, I have never been treated with the disrespect and how someone calls you a liar unacceptable to 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 2022-03-11
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was forced to transfer to this lender in XXXX of 2021. It had been XXXX every since. When I call I am either brushed off or lied to. No one knows when my payment for my prior lender made on XX/XX/2021 for {$200.00} will transfer over even though all of my other payments have tranfered over. They also lied and said my XXXX payment was made to the wrong address and was rejected which was a LIE! The payment was applied like 3 days later. Please review all of my calls from XXXX to current to hear all the lies and inaccuracies. It was a PAIN getting documents from them when my loan was transfered over but they want me to pay then XXXX and they provide terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: NY
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 sent the 3 credit bureaus letters dating back from XXXX and in XXXX and still heard nothing from anyone of them. I am reaching out to you because I need help before I take legal action. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid 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 purchased merchandise which ended up being not as described at time of purchase. By the time I realized the merchant had explicitly misrepresented their product it was too late to return said product. The particular misrepresentation makes it impossible for me to sell said merchandise. 

I gave an accurate description of the sellers misrepresentation/fraud to discover, and provided evidence. However, Discover failed to protect me from the merchant 's fraud/misrepresentation. 

I purchased a phone from XXXX which I was explicitly told by a XXXX representative was factory unlocked. This was a blatant like on part of XXXX. The phone is riddled with spyware implanted by XXXX which I can not disable. There are major security flaws I can not remedy due to XXXX 's fraud, deceit, and blatant misrepresentation. 

XXXX provided no evidence to refute my claims. The evidence they provided simply shows I received the phone, which was never an issue in the first place. I've never claimed I did not order, or did receive, the phone. Discover ignored this entirely and adjudicated my dispute erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/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 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank does not ever timely send my account and balance information to  XXXX , and this has been happening since I started using this app in ( approximately  )   XXXX  of last year. The margin between I was instructed to take action either by notifying my bank myself or filing a complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX  Good afternoon.   I refinanced with AmeriSave fall of  XXXX   (   XXXX  ) and received a letter from them saying  XXXX   XXXX  they are going to hold an additional {$50.00} per month in the  Escrow  account, from {$650.00} to {$700.00} for taxes/insurance starting  XXXX  - a 7 % increase.   However, I have my property tax bills for  XXXX   XXXX , Virginia From  XXXX  to  XXXX , the tax assessment increased 3.60 % and  XXXX  to  XXXX , tax assessment went up 1.86 %. The home insurance remained the same.     When I called the Amerisave, I was the line that escrow increased due to additional taxes.   They are not response when I say 7 % is excessive.   My name is  XXXX  and I can provide the verifying information as needed such as address and account # 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of the {$570.00} owed to Millennium Financial Group, LLC. On XX/XX/XXXX I received 14 pages of account history from XXXX XXXX XXXX XXXX including names and dates of children and their procedures not associated with this bill. These are clear violations of all three minor children with appointments dating from XXXX inclosed. I have reached out to both Millenium Financial Group and XXXX XXXX office on Monday XX/XX/XXXX without a response back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 am writing to dispute the charge of {$2000.00} that continues to show on my XXXX account as the appliances were not delivered. 

On XX/XX/2022, an online order was placed for a washer/dryer pair and paid using the XXXX financing account. The delivery company XXXX indicated the order was being delivered to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX. As the delivery address was incorrect, the order was cancelled. Delivery did not take place. 

XXXXXXXX XXXX card is issued by TD Bank N.A. and TD Bank has refused to credit my account {$2000.00} despite the fact that the order was cancelled and appliances never received. 

Thank you for your prompt attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/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 2020-04-23
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is Paramount Recovery Svcs. The same debt which originated from XXXX XXXX XXXX is on my credit report from XXXX and also Paramount Recovery Svcs at the same time.I was never notified of this debt because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason. I have deleted this same debt now for the 3rd time with XXXX and now Im having to dispute with Paramount for the same debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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:
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 Account # XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX had violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CARCO Group, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am being told that an address of XXXX XXXX XXXX XXXX XXXX, FL is being reported on my credit report this is an incorrect address it is reporting I lived at this address from XXXX which is incorrect information. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX This address should not be on my credit report at all this address does not belong to me please remove from my credit report. 

I feel I am a victim to identity theft someone is using my social security number and possibly my dob as well as my name I have gotten several alerts of accounts opened that I did not authorize

Company response to consumer: Closed with explanation