BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXXXXXX XXXX : {$1900.00}

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 2022-10-12
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also talked to the bank and told them that your bureau continues to report this misleading information. The bank has agreed to remove the late payment in my account. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit 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 2015-05-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I got charged {$130.00} for " Credit Balance Refund '' on XXXX XXXX 2015, of which I have no idea why I got charge for as I did not make any purchse last a few months. At the same time, I was sent a check for {$130.00} issued by the same credit card issuer, Department Stores National Bank. I called the card issuer at XXXX and they told me that I have to send the check back to them so that they can wipe off the balance of {$130.00}. ( By doing this, I have to spend some postage fee addition to the time I have to waste. ) Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.

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 monetary relief
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.

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 2022-10-12
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
It seems like there has been a trail of loan fraud and title fraud dealing with the vehicle I purchased in California and somehow XXXX did something with the title after it was sold. I have not been able to renew my title registration or sell the car which I had planned to do back in XXXX of this year. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX https : XXXX Westlake Direct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX : //www.westlakefinancial.com/

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 2021-01-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I got a phone call from a person with the last name XXXX stating that I owed {$2100.00} they said that they had filed a court case and they were holding it until I paid the money they would also settle for {$950.00} or lower knowing that my father had passed away. The company said that their name was HSBC they said that the case number was XXXX however I was not able to find this case when I looked it up. The person I talked to today XXXX the XXXX XXXX was XXXX she did not give me a last name she said my debt was really old from XXXX to XXXX for a MasterCard through XXXX XXXX and through XXXX  XXXX XXXX they had my address my phone number my social security number my driver 's license number and my wife 's name their phone number that they called me from was XXXX. I told my wife to look up the information she can not find anything about this company except for that there's a bank named HSBC that's very reputable it's not a collection agency. when she called the number, the phone rang a few times before finally reaching a voicemail saying that there's nobody able to take the take the call at the point in time but if I left a voicemail they'd get back to me. they have not sent me any formal paperwork there's no documentation it's not on my credit report that these this dead even exists I I have I have two credit cards out right now and good standing I've called the companies I haven't worked with XXXX  XXXX XXXX since the XXXX and I could just tell that they weren't a real company and I'm just trying to report that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
During the months of XXXX, XXXX, and XXXX of XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX, Experian, and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-03-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have spoken to the company about having lost my job because of the crisis. My account was switch a few months back and I was not told I was going to be charged to have it. They continue to charge even when there is no money to draw from, which then they take more fees. This bank has very shady practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need HELP!!! Please!!! This account is false and I was told on MULTIPLE occasions they had handled it and I did not owe this and it keeps showing up and its killing my credit! I have tried so hard I am a Single Mom and At 43 FINALLY got my 1st New Car by myself. I have been so thankful and diligently pay my car payment on time every single month. Then you have companies like this I pay half almost of my check that I ONLY HET ONCE A MONTH AND WORK MY REAREND OFF FOR FOR INSURANCE. These people that are saying I owe this to have generated more FALSE charges than anyone. I pay my co payment every month plus some when I go to the dr and then they come up with these bogus charges and at the office they are either lying and making false office visits and charges or someone has pretended to be me. I was told in XXXX this was taken care of I DID NOT OWE THIS and it would be removed! Well here I am XX/XX/XXXX and STILLLLLL fighting with these people. Its a shame and disgrace hard working ppl like myself who are just trying to stay afloat and take care of their families deal with this and the government freaking ALLOWS IT! They are all crooks in my eyes. I do not even go to the dr bc my freaking deductible is SOOOO HIGH but yet some how I STILL have these mysterious dr bills I keep disputing and paying XXXX to rebuild my credit but it doesnt seem to be helping. Half of the things on my credit report I am seriously clueless and havent even been to the dr AT ALL THIS YEAR so lets see if this dispute helps anything. Like I said especially now we are all just trying to survive due to COVID-19 not to mention I am a XXXX and work at a XXXX XXXX ESSENTIAL WORKER AND THIS IS WHAT HAPPENS! Thanks America and XXXX! 
Yours truly, XXXX XXXX A.K.A. Single Mom just trying to survive in todays Corona infested society!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
XXXX XXXX is destroying my credit score by reporting my lease as late to Experian, XXXX and XXXX XXXX. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.

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 2015-06-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I pulled my credit report and there was a collection on my account for {$20.00} by Certegy Check services. I contacted their office in XX/XX/XXXX via the telephone, XX/XX/XXXX by mail, XX/XX/XXXX by phone, XX/XX/XXXX by phone and XX/XX/XXXX by telephone to no avail. The identified the debt as XXXX XXXX XX/XX/XXXX. 

I do not have any responsibility for the debt they are trying to collect. I have contacted the XXXX and was told I have {$0.00} outstanding items with them and confirmed with my bank that there were {$0.00} overdraft/NSF charges in XXXX. I attached bank statements showing the amount charged cleared the bank. I contacted their office and spoke to a manager after I was hung up on XXXX times. She claimed I had XXXX outstanding claims with their office. 

I requested in writing on XXXX XXXX : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is including proof of the initial debt, my authorization to collect the initial debt, proof of your license into collect in the state of XXXX and XXXX. 
I received a response to my letter dated XX/XX/XXXX saying they are unable to provide a copy of the check because it was an electronic. They also indicated that it was dishonored by my banking institution which is not the case. I provided my bank statements and match the amounts in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I sent a complaint to you a month ago, # XXXX, regarding Experian and their refusal to sent my yearly credit report. They responded to the above complaint number that the report was mailed to me on XXXX/XXXX/16. It is now XXXX/XXXX/16, and I have still not received the credit report. This is exactly why I am complaining about Experian. They also are constantly releasing negative information about my credit, and then I have NO ACCESS to even see what they have said. I have no problems with XXXX or XXXX, and they provide my credit report online every year, as the law requires. Experian, however, NEVER wants to comply. This is my second request to you for help with this.

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 2015-05-11
Company: Recovery Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX with Recovery Partners out of XXXX XXXX the number he calls from is XXXX. Calls to speak about suspending my parents, XXXX XXXX & XXXX XXXX, XXXX Drivers License. When I tell him I am their daughter and to submit a letter to prove and validate the debt, XXXX XXXX gets arguementative and after 5 days calls again to harass my home. XXXX XXXX will not give out an address so my parents can request harassing calls to stop in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My original complaint is XXXX that was filed on XX/XX/2020 where my account was locked on XX/XX/XXXX and closed by Bank of America on XX/XX/XXXX without warning and for no reason. I am still waiting for a check for over {$19000.00} a month later and for a XXXX XXXX owner it has caused a severe problem for me. I met with XXXX XXXX on the XXXX of XXXX and again yesterday with the bank president but they still could not supply me with any information on the check. I got an email from XXXX XXXX with B of A on XX/XX/XXXX telling me she was handling the case and I needed to contact her by the XXXX of XXXX. I called and emailed her every day and got no response but finally she called and left a message on the XXXX but I still do not have my money. This issue of closing accounts for no reason by B of A seems to be a practice they do to thousands. Your help is needed. 
Thank you.

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 monetary relief
Consumer complaint received 2022-04-09
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Greetings, I opened a XXXX XXXX XXXX' checking & saving accounts with XXXX Bank on XX/XX/XXXX. At the time, XXXX was offering a {$250.00} bonus for opening & funding new XXXX XXXX XXXX XXXX XXXX  accounts, provided certian conditions were met. I met those conditions yet did not receive the {$250.00} bonus. I've contacted XXXX several times and have been advised that the matter is under investigation but never receive a cofirmation of the monies due. 

According to XXXX 's terms & conditions, in order to qualify for the {$250.00} bonus, one must receive ( 2 ) direct deposits of at least {$1000.00} within a 90 day period from account opening. I submitted deposits as follows : XX/XX/XXXX : {$1000.00} - XXXX XXXX | XXXX Distribution XX/XX/XXXX : {$1000.00} - XXXX XXXX XXXX XXXX Distribution As I've fulfilled the required as stated per XXXX 's terms & conditions, I respectfully request XXXX credit my account XXXX with the {$250.00} bonus I am due. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( 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 2016-04-13
Company: American Credit Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Credit Bureau , Inc. did not contact consumer about this bogus debt before it was placed on my credit reports. XXXX has verified this bogus account several times. This account is paid in full.

Company response to consumer: Closed