BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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:
I have reached out to both the creditors and bureaus and neither has given me resolution .... in my search for resolution I came to realize that my rights had been violated by -XXXX  XXXX XXXX XXXX XXXX -XXXX  # XXXX in accordance to the Fair Credit Reporting Act... .these creditors violated the following 15USC 1681 section 602A states I have a right to privacy...

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or consent these are clear violations

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 2017-05-23
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  2017 a nd  XXXX   XXXX ,  2017, a let ter for validation of debt  and HIPAA V iolation was sent to Central Financial Control. The amount presumably owed {$600.00}. The letters asked for a breakdown of fees, copy of my signature from the provider stating the release of detailed medical information to them and to cease any credit bureau reporting until debt was validated by me. As of  XXXX   XXXX ,  2017, I  was provided by Central Financial Control and itemized statement that included all procedures, NOT CODED, which were performed including  XXXX ,  XXXX ,  XXXX   XXXX  and drugs administered. Which is a violation of t he HIPAA Act. I  was never provided a statement from the original creditor that would allow the release of medical information to central financial control. I had never received a bill from the original creditor nor central financial control. I have asked that the presumable debt be deleted from all  XXXX  CRAs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Our loan was scheduled to be closed on Friday, XX/XX/XXXX at XXXX. This has been the date for the entire loan application process. Today ( Tues XX/XX/XXXX ) our realtor received a call from our lender 's closing department informing her that the Settlement and closing documents are being sent out today to review online, and " due to new guidelines '' and citing a holiday tomorrow XX/XX/XXXX the closing now has to be postponed until Monday XX/XX/XXXX. This is not necessarily a complaint against my lender. This is a XXXX customer who now has to re-schedule moving company, allow the seller an extra 3 days of lease after the delayed closing date due to the fact that they have to close on this house prior to closing on their new house, all because of these " Know before you owe '' guidelines that " will not cause any delays ''. In the real world, they do cause very costly delays. There needs to be a way that mortgage applicants can choose to waive these new guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police 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 explanation
Consumer complaint received 2022-05-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-12-10
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
BBVA Compass is not honoring its credit card contract with me, regarding points given for purchases or any ability on my part to modify my point selection. Due to an IT problem, the credit card website is totally ineffective. I have called them repeatedly, written emails, complained at the local bank branch and spoken to a variety of supervisors, but no one seems able to correct this problem. The credit card is worthless to me if it is n't doing what it agreed to do. I should be able to change which purchases I make earn the most points, but I ca n't. I should be earning more points for certain purchases, but I am not. All purchases, regardless of my choices, earn XXXX point per dollar. This is faulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I added my son to my checking account in XXXX. They approved for him to be added on. I gave them his social security number and birthday. But now out of the blue, they are asking for his information again and they already have it on file or they would restrict my access or close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my card off and went to use it and it was declined. I call rightfully angry cause I paid the entire balance off. They said they were reviewing the and holding it to make sure it wasnt fraudulent. I was XXXX and told them to unfreeze my card I paid it off and it was already pulled from my account. Then they closed all of my accounts says the phone call is the reason why. Thats XXXX XXXX now they hurt my credit and destroyed my chance of being able to buy the house I was getting ready to purchase. They cant just destroy peoples credit and opportunities to buy a home because someone cant provide customer service correctly. This is not right at all and they still owe me money that they havent paid me. I want my money and them to correct their mistakes immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have several items appearing on my credit report that are not mine and are the result of identity theft. The alleged debts are not mine. I am attaching a duly executed identity theft report/notice filed with the FTC. I am requesting XXXX Equifax and XXXX remove these items from my report. I have previously tried and they did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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: Information belongs to someone else

Complaint:
On XXXX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XX/XX/XXXX2017 and I have not heard from Transunion or XXXX at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.

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 2020-06-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Kikoff 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: Personal information incorrect

Complaint:
My Kikoff account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CL Holdings LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My mailing address is now XXXX XXXX XXXX, XXXX, AK XXXX. I have not received any written notification of this debt. I dispute the validity of this debt from XXXX XXXX and would like to receive documents verifying the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection is wrong and this is the wrong amount and its been in my credit report since 2017. I dont know nothing about this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: BB&T CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has frozen my credit and will not unfreeze it despite claims from its representatives that it has -- this has prevented me from obtaining loans and negatively impacted interest rates I receive

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am facing foreclosure and I would like to have a principal reduction. I requested a modification packet and still has not submitted it to me. This is a FHA Loan and was bought out by the Federal Government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation