BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Old information reappears or never goes away

Complaint:
2014 opened a credit line for my company XXXX XXXX XXXX or XXXX XXXX XXXX  at the XXXX XXXX office in XXXX XXXX Florida. The amount was {$280000.00}. I hardly remember all of the details but it was for the purpose of buying and rehabbing single-family homes. Since that time, I moved on to a bank in XXXX XXXX XXXX and the credit line was paid off. The bank was ultimately closed or sold and a credit union by name of ( I Think XXXX XXXX XXXX ) took over their office space. The credit report shows NO BALANCE DUE but it is causing me difficulty in obtaining credit as it was a credit line and not a mortgage indicating I could write a check at any time, however, there is no balance, and there is NO XXXX XXXX. This large amount is nonexisting and it is causing me trouble as it restricts my borrowing and shows a high borrowing on my part. What can I do to get this removed or at least a statement showing that it has been paid off and the bank does not exist? 

I just learned that it was only Transunion was the only reporting company that still has it on their reports. 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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report 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
Consumer complaint received 2017-09-03
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. 

Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. 

In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. 

Please Help!! 

IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX 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 2022-07-18
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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding my CFPB complaint number XXXX, on date XXXX Credit Control Corporation claims to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that this must be done within 5 days as described in 15 USC 1681i ( 6 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had continuous issues with PNC over the past year on this short sale. One episode if erratic behavior and requests after another. I am being told they will not allow an extension on the approval because they only allow up to 60 days to close. Reference a past approve issued in XX/XX/XXXX. We could not proceed with closing until the approval was revised to include the payment toward the UCC lien. Which that approval was issued on XX/XX/XXXX, this was not an extension but a complete corrected new approval. I even had to RESUBMIT the complete packet and it was reviewed for a month and then reapproved to include the UCC lien and issued on XX/XX/XXXX.  We were then able to proceed with closing at that time, with that said we are only in a little over 30 days and extending to the end of XX/XX/XXXX with be under the 60 days you are referenced to. 

There isn't any reason why they shouldn't issue an extension on the approval until XX/XX/XXXX as that is within their 60 day to close policy. There is a foreclosure set for XX/XX/XXXX that It feels like PNC is jeopardizing the file to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 XXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX  # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account 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

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 2022-07-18
Company: Experian Information Solutions 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 XXXX. Inquires XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/2022 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 2017-09-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for an Amazon credit card ( Chase Bank ). I have good credit ( credit score of XXXX on the day I applied ). This score is better than others who have obtained this card, according to my reseach. I have a screen shot of this score if you would like to see it. I have low utilization of credit and I pay all my bills on time. I was denied the credit only because I obtained bankrupcy 8 years ago. It is illegal to deny someone credit on the based of a status such as bankrupcy : "  Federal law provides express prohibitions against discriminatory treatment of debtors by both governmental units and private employers. 

A governmental unit or private employer may not discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. 

I would like Chase Bank investigated for discrimination. The reference # of the letter I received is # XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA opened an account using variations of my information. The debt has since been paid but USAA refuses to update the records with  XXXX   XXXX   XXXX ,  XXXX , and  XXXX  that the debt has been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Took out a loan, originally with Sallie Mae who sold it to Navient in XX/XX/2014. The original note with Navient was over 26,000.00. The school was XXXX XXXX out of XXXX XXXX Colorado. The loan was to assist with achieving a XXXX XXXX XXXX. Not long after taking a few lessons from XXXX XXXX, they closed their doors and went out of business. Still responsible for this loan, which my mother co-signed for. The guidelines for removing the co signor was to allow Navient to deduct from my personal bank account the monthly payment, be on time for 12 months, and they would remove the co-signor. The loan is now paid down to just over {$6000.00}, the loan has been paid on time, for over 12 months. Filled out the paper work required to remove the co-signor, and my claim was denied. After calling to find out the details, was informed that they needed a " Certificate of Completion '' from the school, in order to remove the co-signor. This of course is impossible, but Navient will not budge. They have suggested taking out another loan to pay of this student loan, or go to a different school to get the XXXX XXXX XXXX. Both are out of the question. Spent well over an hour on the telephone with different supervisors, but they will not make an exception. 
There is no way to contact this school, another school with the same name is in the XXXX but they claim they are not affiliated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted Equifax Consumer Services multiple times ( 8 ) in an attempt to remove XXXX un authorized inquires off of my credit report. During each attempt to have these inquires removed Equifax representatives have told me that they disputed them and I should have my results within 30 days. When my results came back 30 days later they say they are factual records. I have asked for proof of how they are factual records, but have never received anything from them to support there investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I originally went to XXXX XXXX XXXX XXXX in XXXX XXXX Texas on XXXX2016 for a XXXX XXXX XXXX XXXX. When I checked in, I asked about pricing and they said i needed to be evaluated first. After approximately an hour I was released and they said the Doctor would need to complete a report for billing and I would be notified of the costs. I later received a bill for @ {$8000.00}. I called the facility and they were unable to explain the basis of cost other than it was based on the level of care. After I called several more times the Manager said they would waiver the {$150.00} deductible since they were unable to provide pricing details. 

Later that year XXXX XXXX XXXX was bought by XXXX XXXX XXXX and I was sent a demand letter for the {$150.00}. 

I asked again for the pricing structure used to determine " Level of Care '' and it was never sent. They did send a statement detail with a lump sum entry for the " XXXX XXXX XXXX '' for {$6200.00}. This amount was charged for the ( 1 )  hour I was in the unit and the exam and XXXX are additional charges. 

The deductible was originally waived by XXXX XXXX and insufficient detail was provided by XXXX XXXX and AMCOL. Now, AMCOL XXXX has entered a collection amount of the {$150.00} by fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was selling furniture on XXXX XXXX. A potential buyer made an offer and wanted to pay by XXXX. They said they sent {$300.00} but I didn't receive it. I received an e-mail that said that the buyer needed to send another {$300.00} ( which I would refund ) in order to receive the money. They showed an e-mail that said they had done this. So, I sent {$300.00} from my checking account. I received another e-mail saying I needed to upgrade to a business account with {$700.00}. I sent that to another address from my XXXX account. Then I received another e-mail that I wouldn't receive the initial {$300.00} unless I sent {$2000.00}. I stopped and reported this to my bank, Bank of America.

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 2020-02-19
Company: WELLS FARGO & COMPANY
State: NY
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 submitted a dispute to Wells Fargo, Disputed ID XXXX, posting date XX/XX/2020 in the amount of {$270.00} I indicated to Wells Fargo that I did not recognize the charge and that I wanted further details as to exactly what the charge was for. 

I received a response indicating that the " merchant name '' for the charge of {$270.00} was " XXXX '' However, " XXXX '' is not a merchant but rather a third party billing service.

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 2019-08-02
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 Comerica Bank escheated our savings account with a balance of {$930.00} because of inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Cap-on charge off on credit report dates back 3 years. Credit report locked till XX/XX/XXXX. Reported to cap-one XX/XX/XXXX this was not mine via XXXX XXXX number. XX/XX/XXXX had to report again to Cap-one fraud. Stated I never called them. XX/XX/XXXX, Cap-one fraud states I never called them. XXXX called Cap-one, but they won't work with me because I can't because my ID information doesn't match what they have on file. 
Each time I called, I asked for an email with the transcript of the conversation and verification of the original application so I can dispute inaccuracies with documentation. 

Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXXXXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account 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

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 2022-07-18
Company: Experian Information Solutions 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 have tried multiple times to get a collections account that is not mine removed from my report. I requested to have it verified and it still remains on my account. I was givin no information as to why. I want experian to verify an account for me but they wont let me dispute it. 
I want thems to verify the following 3 things : A copy of the origional application that shows my signature, The full payment history from the origional creditor, and the origional agreement showing they can legally collect debt. The account is not mine so im quite confident they wont be able to provide any that. If they cant I want experian to remove it immidetly. 

On my experian report the account shows Is under the name XXXX XXXX XXXX. The account number im being shown XXXX. it doesnt show the last 3. it says the balance is {$1000.00}. I have never heard of XXXX XXXX XXXX and have never had an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dispute was sent on XX/XX/XXXX and by law XXXX XXXX  XXXX/XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation