BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired   XXXX    XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after   XXXX    XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over  XXXX  and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed a savings account at CitiBank in  XXXX  2017. For the last four months CitiBank has added a {$59.00} charge to this account that I 've closed, I get calls from CitiBank drones telling me I have a negative balance. I called CitiBank to close the account again, and again the same thing happens. I have closed this account four times and CitiBank will not close it. I just got three calls from the CitiBank drones for a negative {$59.00} balance. I want this account closed! It has a   XXXX    balance.

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 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was approved for a line of credit on  XX/XX/XXXX  and closed on   XX/XX/XXXX . I t ook {$20000.00} to pay student loans and no other monies were to be disbursed. I never used the line of credit money and have been paying on it since. I received a letter saying my payments will be going up to {$840.00} in  XX/XX/XXXX . That is how I found out that this money had been taken years ago. I reached out to Bank of America ( BoA ) and received a letter saying that an ATM card had been issued on that account in my name 13 days prior to closing on  XX/XX/XXXX  and used to withdraw {$75000.00} on  XX/XX/XXXX . The letter also states that debit cards are mailed within two business days but this was not the case. I would have finished paying off the {$20000.00} by now but now BoA is expecting me to be responsible for the other {$75000.00} that was stolen. The house is only worth half of that and I ca n't even sell it to pay off the loan.
I reached out to BoA but they have n't been very cooperative. Fraud has been committed against me and I need them to send me copies of documents.
1 ) I need a complete copy of the original closing documents including the 3 day right to rescission form 2 ) Who ordered the debit card on  XX/XX/XXXX  before account was opened 3 ) Who authorized/signed off on the {$75000.00} withdrawal. I was told that money is n't available that quickly I would like this information as soon as possible so I can proceed.
Thank you for your assistance.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX 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 2017-07-18
Company: Pinnacle Asset Management, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They are looking for someone else and my name is   XXXX   XXXX   XXXX    why do they keep calling me. I was in an ID IDENTYTHEFT 5 yrs ago. Why they keep calling me

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello I cald trans union about inquiry issues on my report an the customer service sed the ca n't help me delete this items after that the hung up the phone

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 2015-07-06
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
around XX/XX/XXXX  me and my wife had let a Friend stay with us as they were are on hard times we did not know that this person was going on are computer ordering things using   XXXX   this was done without are consent or permission and we had no knowledge until it was too late. upon discovering this i notified my bank which was  XXXX  and reported the issue and fraud a credit was given to us for the charges and fees at this time.  XXXX  on the other hand was not so friendly under the circumstances. hours spent trying to get it corrected to no avail. on XX/XX/XXXX  i received a collection notice from a company called MRS and was told i owed   XXXX    to    XXXX    which i again tried to correct which i failed to do so. neither the collectgion agency or   XXXX   want to hear anything but when will i pay them for things i did not purchase. i contacted MRS on XX/XX/XXXX   XX/XX/XXXX and XX/XX/XXXX . ive received no help from them at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX  . This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false 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 2016-01-25
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an XXXX account for the amount of XXXX on my credit account to an address I did not live in. I did authorize XXXX service nor should this account be on 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 explanation
Consumer complaint received 2023-03-27
Company: Contemporary Information Corp
State: TX
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: Public record information inaccurate

Complaint:
This situation Is causing me much pain and suffering. I have been trying to apply for new apartments for my family to live in and the information you have posted on my personal consumer report is causing me to be denied roof over my children head. I have been so stressed and was even XXXX recently for because of the stress you are causing. 
This is my third attempt to have your company make this right. I have had no choice but to file a cfpb complaint to settle the matter appropriately. I received you're correspondence regarding my request for validation of this alleged eviction that you " verified. '' However, in the corresponding communication I did not receive any supporting or justifying documents from you nor the rental company as requested in my initial communication to you. 
Please SHOW me EXACTLY how you verified this alleged eviction. Both the documents and the process. Pursuant 15 USC 1681, you are required by law to communicate this with me within 15 days if requested. This is my now my thirdhand final request at attempting to gain clarity on this erroneous insertion. If such documents are not produced within 15 business days please delete this from my consumer report. 
I am fully prepared and willing to file an official complaint against your company with the, XXXX and the attorney general if you are purposely relinquishing my federally protected consumer rights under the FCRA. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: TX
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:
To this date, XX/XX/XXXX I have been writing and going back and forth with Equifax for the past XXXX years ( since XX/XX/XXXX to be precise ) about derogatory accounts on my reports. I have been nothing but fair to this company with the patience I've had so far. I have sent in multiple requests asking them to provide me with paperwork stating whom they have spoke with and how are they verifying this unverified and unverifiable accounts on my credit. I have not received anything from the original creditor ( s ) for these accounts. Equifax are still reporting XXXX XXXX, XXXX, and XXXX without any responses besides the generic " verified '' automated letters that I've been receiving for the past almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Clarity Services
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an inquiry on my  XXXX  credit report from Clarity Service on on  XXXX / XXXX /2016 that was unauthorized. I contacted the company yesterday and they provided me no relief as to their permissible purpose for retrieving my report and causing my credit scores to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was working for a car dealership. I was working in exchange for a vehicle. XXXX XXXX XXXX. This dealer went behind my back, and used my information to fraudulently obtain financing on said vehicle through Credit Acceptance Corp. Credit acceptance corp started calling me for payments and I explained to them the situation, they within a week repossessed the vehicle from me. Now I have a repossession and unpaid balance on my credit of 3 times what the XXXX was even worth. I have told them of the fraud as well as disputed it with the credit bureau and all they do is renew the account so its fresh lowering my credit even more.

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 2022-01-31
Company: Experian Information Solutions Inc.
State: KY
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 some fraudulent accounts on my credit report that I did not authorize and the Credit Reporting Agencies are violation my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. If my issue is not resolved I will seek remedy and will move forward in the court of law.

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 2017-05-01
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: AL
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 am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX   This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false 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 2017-07-18
Company: EQUIFAX, INC.
State: AL
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 am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.  XXXX   XXXX   XXXX . This is an account that I have no knowledge of and it is not my debt! There are  XXXX   US Departme nt of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.  XXXX  is also reporting twice. These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.

Company response to consumer: Closed with explanation