BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
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:
After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX ACCT # XXXX on TransUnion Credit Report XXXX XXXX Acct # XXXX " XXXX XXXX days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in XXXX data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.

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 2017-07-05
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I received a loan from SallieMae of {$27000.00} in XX/XX/XXXX, and I reapplied for another loan in XX/XX/XXXX and was denied, because of a bankruptcy that is over 7years old, I also had the bankruptcy when I received the first loan. My credit is very good, but SallieMae continue to deny me for the same reason. Now I 'm wondering how my daughter is going to finish school, without this loan.I just feel it 's so unfair to be denied, when you gave it to me the first time.how did you can assist me in this matter thank you sincerely the  XXXX family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX, XXXX XXXXXXXX

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 2018-06-02
Company: EQUIFAX, INC.
State: NV
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:
Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX  XXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2018-10-26
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is a NEW complaint with PayPal Credit. This company will not work with a consumer, or even reply. I wish to close out this account and under Hardship/Medical Hardship, of which both are available options, and denying, not addressing these concerns can be seen as discriminating to me, with credible XXXX. ( # XXXX XXXX XXXX XXXX ) ( phone # 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 2019-05-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive MGMT SYSTEM has failed to validate a debt they 're claiming i owe for medical services rendered in XX/XX/XXXX. I sent out a letter requesting they do so in XX/XX/XXXX and then again in XX/XX/XXXX. I 've not received any debt validation from them, and just today they have flagged my credit report and added multiple derogatory collections, which has caused my score to drop again. My report is showing the debt being reported on XX/XX/XXXX for XXXX and then again XX/XX/XXXX for the amount of XXXX from services rendered at XXXX XXXX XXXX XXXX XXXX. I 've had medical since XX/XX/XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
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 Account # XXXX, XXXX, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: JPMORGAN CHASE & CO.
State: GA
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 want at a minimum a partial refund of {$1600.00}. I was back-charged an additional $ 700+ for services that I had already paid for, and was forced to pay a further $ 900+ 17 days ' worth of services I never received. I only should have been billed for services from XX/XX/XXXX to XX/XX/XXXX, but because I was leaving their services, the merchant forced me to pay more for the services I received in XXXX, despite finishing paying that invoice, just because they didn't like the fact I was leaving! And they made me pay for services from XX/XX/XXXX to XX/XX/XXXX, which I never received! Just because they made the services available, didn't mean I wanted them! I wanted to leave their services to sell my computer equipment while it was still valuable, not be locked into paying for their services, especially since I had no contract! They threatened to sell my property if I didn't pay. This is extortion. This merchant is a scam! I want my money back. 

I do not agree with the previous closure of this case. Dear Chase, PLEASE REVIEW MY DOCUMENTS. I make clear how the merchant used shady accounting practices and the threat of extortion to take my money. I will be taking this to court if I do not receive my partial refund. 

The XXXX dispute " decision '' was under review when I asked for Chase to initially step in. Please do not just look at that and decide the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank charge {$23.00} on {$700.00} dollars for 30 days XX/XX/2022 and that is not the 13 % / 12 months. 
Further I do not agree to compound interest.

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 2022-07-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a Suntrust customer since the merger of the XXXX banks i haven't been able to register for online access I have went to the bank around a year ago it was supposed to be taken care of Now I'm getting weaker due to complications of my health declining from XXXX im unable to leave my house I have call no help or long holds

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Account # XXXX, XXXX, XXXX, has violated my rights. 

1

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IA
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 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 2022-07-07
Company: Experian Information Solutions Inc.
State: LA
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 and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XX/XX/XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized US SM BUS ADMIN ODA XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS : XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX  XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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 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 2022-02-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a second complaint agains Wells Fargo. I am not getting the documents as promissed. I spoke to a representative yesterday and told me they sent the wrong cover sheet to XXXX, where the correct doments need to be recorded. Please help since this keeps delaying my equity loan. 

Thank you so much in advance for your help. 
regards, 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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Credit Bureaus known as XXXX, TransUnion, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, TransUnion, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.

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 2017-08-18
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An Alaskan physician egregiously billed for labs to my insurance company that were well above industry standards. This occurred in XXXX, XXXX at which time I sent a letter requesting additional information to the physician. I never received a response, and in XXXX, XXXX found the charges in collections. My insurance company paid above usual and customary. For example, the physician charged {$130.00} for a XXXX XXXX Panel. This test cost under {$20.00} in the industry. I am being billed for charges that greatly exceed industry standards. 

I 've written several times to the physician and collection firm disputing the debt and asking for them to substantiate their charges. I 've asked where do they get their charge data to what do they accept as payment in full from all payors because that is the true value of their services. For example, if they accept {$15.00} for the XXXX XXXX from XXXX XXXX, they are charging up at an enormous rate for out of network patients. The collection company and physician refuse to offer any of this information and have never responded to any of the specifics of my dispute. All they have sent is an itemized statement showing their over-billed lab charges, a copy of the form I signed regarding paying the remaining charges, and refuse to recognize and place my account in dispute. Although I did sign the form, I had no idea what the physician would have charged for services nor what would be considered reasonable for the services. The rates for XXXX are under 20 % of what they 're charging for an example. 

The collection firm has spoken to me as if I am a child in that they 've " gone above and beyond to get this resolved. '' That is false. They have provided nothing beyond an itemized statement. I will pay extra for the labs that my insurance company did n't cover but the charges must be reasonable. The charges are unregulated and excessive and they will not even consider negotiating. My professional experience has been in health insurance and health care clinics. In my role, we worked with patients/consumers to collect outstanding debts, sent monthly statements, and treated our consumers with respect and dignity. Cornerstone has done none of it, nor has XXXX XXXX office. 

I am asking for your help in resolving this and having my account recognized by the collection firm as being in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX, XXXX IS REPORTING WRONG

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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 My purse was stolen with my phone, debit card and money in it. My phone does not have a passcode so the person who stole it was able to have access to my account information. When I realized my purse was missing i then try to log into my account and it stated that there was no matches found on record. So it was after XXXX XXXX when I wanted to call bank of America so I had to wait until the next day to call. On XX/XX/2022 I call Bank of America to explain what happened so when I finally got to someone that could tell me but they didnt really tell me what was going on they told me that it was a business decision to close my account I dont know what happened or why they closed it they did not give me no explanation I am so furious because I just opened this account XXXX weeks ago I needed this account for personal reasons and now I dont have a bank account I am so hurt because they couldnt even give me a reason why they close my account just a business decision. There was no money in my account but I have a direct deposit going in in about a week and theres no way that I could cancel. Please help me get my account back.

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