BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been trying to DISPUTE a false item on my credit report and the company has completely ignored multiple attempts. I fought with the Transunion web site on XX/XX/XXXX, the same date that I easily ordered my credit reports and disputed something that did not belong on my credit reports from the other two companies. The Transunion web site was a nightmare to use and took two hours to finally navigate to send in the dispute. When the other two companies cleared the item off my reports within 30 days as required by law, Transunion would not even acknowledge that I had disputed something. Their web site is utterly broken. When I contacted them online, they told me I could buy a copy of the credit report that I already had. Their web site constantly points to their dispute web site, which then just says it 's offline since XXXX. When I called to file a dispute, their phone system hung up on me before I could even connect to a person. When I reported this previously through CFPB, I got the same useless response from them about ordering a credit report. I already have my credit report. I want to not be held XXXX by this company refusing to allow me to file a DISPUTE for something that does not belong on my credit report for the past four months so that I can actually use my credit report to get credit for something. My next step will be to sue them for so much that I wo n't need credit anymore.

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 2022-08-04
Company: TrueAccord Corp.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received an email from a company named TrueAccord. The company stated that I owed a debt of of {$570.00} with XXXX XXXX XXXX. I Also received a separate email from the same company TrueAccord on XX/XX/2022 that stated I owe {$25.00} with XXXX. The email states " Call or write to us by XX/XX/2022, to dispute all or part of this debt. If you do not, we will assume that our information is correct. '' So I follow up and send them a certified letter in the mail to the address, asking for debt validation and disputing the debts. The company received my letter on XX/XX/2022 and in turn refused it. Therefore denying my right to dispute the debt which is against the law. I have attached all information and proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Jason A Craig, PC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received letter from Jason A Craig Associates stating they are collecting for City of XXXX XXXX. I did not receive any correspondence, letter or phone call from XXXX XXXX XXXX XXXX regarding this. After contacting Jason Craig, I found out the collection was from the XXXX XXXX XXXX XXXX utility department. 
I contacted XXXX XXXX and tried to find out what it was for. I did not have any utilities with the city on any more in 2017. I met with the city billing department and cold not verify the amount owed, since I had final billing statement showing XXXX balance past due. 

I talked to XXXX XXXX XXXX XXXX Clerk by phone about a week after, and discovered there had been a small payment made on computer that was rejected by their automated payment system. I was never billed for this unpaid amount. I paid the amount in question about {$41.00}. I was assued by XXXX XXXX XXXX this would be clarified and I would not have to take any further action including the credit reporting and the Jason A. Craig Associates correspondence. 

To date the balance still shows on my credit report a negative past due unpaid balance and copy is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: MS
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/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 2021-10-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX Mastercard payments and my good standing with XXXX past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in May, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my HSBC Mastercard. Attached are also the card statements of XXXX and XXXX. In the HSBC Credit card XXXX statement there was not any FICO yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as XXXX had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for more than 7 months. After investigating with HSBC US NA Bank, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two fraudulent injuries reporting on my transunion credit report which are listed below I didnt not apply or authorize these inquiries. 

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 2021-10-08
Company: VW Credit
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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 fraud alerts or security freezes

Complaint:
On XX/XX/2021 I received an email from Experian stating that I have placed an " Extended Fraud Victim Alert ''. I have never authorized this to be placed on my report. I spoke with a representative named XXXX from Experian on XX/XX/2021 at XXXX PST to inquire about this fraud alert. I stated I never authorized this action and he said " it didn't matter because there is nothing I can do ''. He told me that I would have to mail them documents and prove myself in order to lift this Fraud Alert. He did not provide information as to when I requested this alert or the process taken to make this happen. This constitutes aggressive Identity Theft on the part of Experian. They are unwilling to fix an issue that they created. I have been attempting to fix many violations and this is an additional one. It is becoming a clear pattern of harassment on the part of Experian for violating my rights. Pursuant to 15 USC 1681b ( a ) ( 2 ), I have never given Experian written permission to place a " Extended Fraud Victim Alert '' or furnish " XXXX XXXX XXXX XXXX '' onto my credit report.

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 2021-10-08
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report XXXX, XXXX, And equifax days ago .I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ALLY FINANCIAL INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit was ran without my knowledge or consent

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 2022-08-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a citi savings account on XX/XX/22 and transfer {$24000.00} from my own salary accounts to Citibank savings account via ACH transaction. Suddenly, Citi closed account on XX/XX/22. Citi held all funds. Customer service would not tell me why. They kept saying that I had to wait for a letter, which had a reference code. I really don't care if citi wants to close my account. But in the meantime, I have NO ACCESS to my money. I have already been waiting for a month- and citi still just keeps telling me " 30 to 60 days ''. This is ridiculous that I am unable to access my own savings. I had considerable amount saved there. I talked to at least a few different fraud analyst and they have a standard script to repeat every time. NO ONE at citi will tell me if my account is still being " reviewed ''. If, or when, my account will be closed.

NO ONE at citi will tell me when their so-called " 30 to 60 day '' timeframe starts or ends. This is an open-ended, non-defined, ongoing timeframe.

NO ONE at citi will tell me by what date I will be receiving a check for my balance - or the amount it will be.

I am running out of money that I had in my savings account and I need my money. I don't know what to do at this point.

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 2017-10-09
Company: DISCOVER BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a cashback checking account with Discover Bank and made an initial deposit of {$25.00} dollars via ACH transfer from my XXXX account. It took Discover Bank approximately 24-48 hours to take the funds and an entire week to release the funds to me. I then proceeded to make another ACH transfer for {$25.00} which was removed from my XXXX bank account onXX/XX/XXXX.  Discover Bank will not give me access to my money until XX/XX/XXXX. They are holding my money for more than 2 weeks. On XX/XX/XXXX i called customer service and i was basically told " oh well '' " that 's when you 'll get your money. '' I was informed that THEY " Discover Bank '' had to make sure my ACH request was n't fraudulent. I told the customer service rep that i would be more than happy to get XXXX on the phone with them, so they could verify me. Discover said NO .... So basically, I dont get access to any money i deposit into this predatory bank until whenever THEY feel like releasing it. Discover Bank should be investigated and fined for that kind of activity. My account number at Discover Bank is XXXX and the last four of my social is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My wife and I applied for a Citi XXXX account in XXXX on the internet. There was a special deal advertised where if we spent {$7000.00} within 3 months, we would get XXXX bonus prestige points. We applied online and received the credit card. Just now, I have been informed that while we did get the credit card, which comes with a hefty {$450.00} annual fee, which we have already paid, we did NOT qualify for the bonus, because we had opened a previous Citi credit card account within the previous 24 months. They claim that this was clearly specified to us in the terms of service, yada yada yada, but of course that 's basically meaningless. Other credit cards I have applied for with similar bonuses have just flat turned us down if they felt we did n't qualify for the terms of the bonus, which is perfectly fair. I do not object to them having this policy, I object to them not making it VERY clear, during the application process, that we would NOT be qualifying for the bonus.

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 2021-10-08
Company: MiraMed Revenue Group LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about an alleged debt of XXXX that I do not owe.i requested the validity of the debt on XX/XX/2021 and haven't received anything as of XX/XX/2021. MIRAMED REVENUE GROUP , LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$180.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MIRAMED REVENUE GROUP , LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX/2017 I called Equifax to have a number of addresses and phone numbers I did not recognize a 's being any that I have lived and phone numbers that I do not recognize as being any that I have had since having a phone and I was hung up on. I called back and was told after 45 minutes of holding that they could not dispute this information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and XXXX XXXX. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Barclay as a result of seeing it on the XXXX website, thinking it indicated XXXX endorsement. After a considerable amount of time ( several weeks ) when I never heard back from Barclay and reached out via phone I spoke with someone who gave identification as " XXXX '' - and ID " XXXX '' who referred me to a website that merely stated I had been turned down. I asked for the rationale and was told it would come via letter, and when I asked to speak to a supervisor, my request was turned down ( rudely ), and I was told those who are turned down can not speak with any other representative in the company. Having worked for more than 50 years, I found that unimaginable but my request was denied several times. 
In the intervening week since that encounter I still have not received " a letter '' indicating the reasoning, nor an email. I checked my credit status with XXXX and have exceptional credit rating, so I am extremely frustrated, confused and resentful that I shared extensive personal financial information during the application process and now have received an abrupt rebuff with no rationale nor individual with whom to speak. 
I reported all this to XXXX, received a case number ( XXXX ) from them and explained that I still have no information from either source of the problem. The representative from XXXX just repeated they have no information. I tried to reach out to the CEO of XXXX ( XXXX XXXX XXXX ) and have prepared a letter to be mailed because there is no phone number nor email listed for her on their website. and will mail a receipt- requested letter as soon as I can get to the post office pending covid considerations. 
Thank you for your assistance in this matter. I appreciate any help or guidance you can provide.

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 2021-10-08
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX in sound mind am filing this complaint against Capital One. Capital One has Violated my Federally Protected rights under 15 USC 1692. In XX/XX/21 I received 3 deceptive forms for 3 different accounts stating I ALLEGEDLY owed on these accounts. Pursuant to 15 USC 1692c. ( c ), I notified Capital One in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through any and all mediums. I am invoking my specified remedy as a consumer, and THE ORIGINAL CREDITOR, I am Demanding all of the following. XXXX  out the balances on ALL accounts I have with Capital One, Pay the attached invoice and compensate me for every violation labeled in the attached exhibits, and finally deletion from all Consumer Reports. Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A Exhibit B Exhibit C Exhibit D Exhibit E, that Capital One is in violation of 15 USC 1692b ( 5 ). Fact, affiant is aware and has proof in the attachments labeled as Exhibit A Exhibit B Exhibit C, that Capital One is in violation of 15 USC 1692b ( 2 ). Attached is an invoice for {$8000.00} for the Violation of 8 Federally Protected Consumer Rights Violations under 15 USC 1692. I have sent my Affidavit of Truth, Debt Violation, Exhibits, Cease and Desist, and Invoice to Capital One. I have these documents attached to this complaint as well.

Company response to consumer: Closed with explanation