BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30  days/60  days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Bank and XXXX with no account #, 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. 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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 2020-01-15
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} XXXX, with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away XXXX Saturday XX/XX/XXXX ) at XXXX XXXX XXXX XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.

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 2019-10-21
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:
I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on Equifax as XXXX, and this shows on XXXX  as XXXX XXXX  - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both Equifax and XXXX  -- but shows as reported to the Credit Bureau of Equifax on XX/XX/19 and XXXX on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  Violation account # XXXX. In reference to the above account listed, your company is in violation the Fair Credit Reporting Act ( " FCRA " ). The Health Insurance Portability and Accountability Act ( " XXXX " ). I have never received a XXXX release form with my signature authorizing my medical records and private information to be released to your company. I am requesting a copy of a XXXX release form of my medical records and private information with my signature authorizing your company to obtain these documents. ( Medical Revenue 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 2022-06-19
Company: ADP Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX a card presented as my WISELY card was fraudulently used to withdraw all funds ( {$260.00} ) from my account at an ATM in XXXX XXXX CA .while my card is still in my possession and while I was working a XXXX hour shift at XXXX in XXXX CA XXXX I filed a complaint with WISELY card services but the outcome was that there was no fraud and my money was not refunded. My company continues to use wisely for deposits for my meals on a daily basis but now Im scared to use the card so its been locked. I would like to warn everyone wisely its NOT SAFE and they will not do an appropriate investigation. Wisely case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-01-15
Company: Kriya Capital, LLC
State: VA
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:
6 years ago or so I lived in an apt with a elderly Male. When I moved out he kept the XXXX XXXX bill in my name on. Eventually he moved out and eventually returned the box ( which they received ). They charged me XXXX, for the fees of them not receiving the box. It suddenly appeared on my credit report last XXXX or so from collection agency XXXX, I called, disputed it, and it got taken off my credit report, raising my credit score very very much! Suddenly a few months ago it shows back up From a collection agency called CREDENCE RESOURCE MANAGE causing score to drop again!! I have all evidence it was taken off. I need help. I've disputed it twice now to no avail. Thank you for your time. I have screen shots I can send showing it was taken off my credit report, dates, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off Navy Federal and XXXX XXXX. Dealership never paid XXXX XXXX or Navy Federal left me with XXXX loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. Navy Federal is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: OneMain Finance Corporation
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:
I have multiple unauthorized hard inquiries on my credit report. 

I dont know if my information is being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear, I received letter from XXXX XXXX XXXX , XXXX indicating I owed {$530.00} to PayPal, I dont know how I can owe PayPal usually I buy something and I pay PayPal and PayPal pays It to merchants, I called PayPal about It as fraudulent and PayPal couldnt provided me how i owed It and what but they closed the account as fraudulent now XXXX XXXX asking me to pay for something that I didnt purchased, I called PayPal again today I was told we dont own the account so I called XXXX XXXX and I told them that was fraudulent and PayPal closed It as fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
USAA letter enclosed 1099 C form Cancellation of debt XX/XX/13 Masrercard Account XXXX DEBT DISCHARGED please note FOR INFO THIS FORM CALL XXXX This automated message " A 1099 C  form means your debt is no longer owed and any one trying to collect is against the law '' USAA PLEASE LISTEN TO YOUR OWN MESSAGE AND STOP DESTROYING MY CREDIT BY NOT CLOSING THIS ACCOUNT. Please read your documentation of cancelled discharged debt AND PLEASE START TELL THE TRUTH TO CFBP You just responded to this telling CFPB and me you have every right to collect what is not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Novad Management Consulting LLC
State: UT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX XXXX working on behalf of a borrower who is refinancing her mortgage. As part of the process, a current Payoff statement and a Loan Summary for her current mortgage is required. 
Her current loan servicer is Novad Consulting. I first requested the payoff and loan summary from Novad Consulting on XX/XX/XXXX and I received no reply. On XX/XX/XXXX I sent a second request. I then called Novad directly on XX/XX/XXXX and explained that I never received the payoff statement & loan summary. I was told they would " escalate '' my complaint and I would receive a reply in 5-7 days. On XX/XX/XXXX I called Novad again stating that I never received any reply and still had not received the payoff and loan summary. There were three other loan processors in my company who were having the same exact problem with Novad- we were all unable to receive the requested payoffs and loan summaries.

I sent another request to Novad by fax this time instead of by email and finally received a partial response as they faxed the XXXX XXXX on XX/XX/XXXX but no Loan Summary as requested. On XX/XX/XXXX I made another call to Novad requesting the Loan Summary. Again, I was told that my complaint would be " escalated '' and I would have a response in 5-7 days. This response never came and neither did the Loan Summary. The Payoff they sent me has now expired ( good for 30 days ) while I have been trying to get the Loan Summary- both of these payoff documents are required for my borrower 's loan to close. My poor, elderly borrower has been ready to close her loan for over a month as these payoff documents are all we have been waiting for. Novad is required by law to provide payoff documents when requested. I sent another request by fax on Friday XX/XX/XXXX and another one on Monday XXXX. I called Novad again today XXXX and was given the same spiel that my complaint will be " escalated '' and I'll get a response in 5-7 days which I now know will never come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
Please help all my Consumer Rights has been Violated. 

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C Communication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Uplift, Inc
State: IL
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:
Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPLIFT, INC. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to TransUnion last XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiry that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2021

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 2021-11-03
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was hospitalized in 2019 and had a large bill resulting from that. Insurance took a while to cover it, but they did eventually and so I shouldnt even have this debt in the first place. Ive provided proof that my insurance paid out everything that theyre asking for but Ive been harassed incessantly ( called up to 5x a day ) for a year or more now. The debt collection company also keeps changing, the last one I remember was XXXX XXXX and the current one is Harris & Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
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: Account status incorrect

Complaint:
My Equifax score went down over XXXX points and I cant figure out why. I did have a card go over limit ( XXXX XXXX ) because they added my annual fee which put me over my credit limit. I immediately paid the bill to get it back below the limit and I cant believe this would lower my score by over XXXX points. There were no other changes in my accounts, everything paid on time. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent dispute letter on XX/XX/XXXX via Consumer Financial Protection Bureau, XXXX XXXX response on XX/XX/XXXX saying the investigation complete. A review of your account history provided by XXXX Department of Education XXXX XXXX confirmed your loan was accurately reported past due to the consumer reporting agencies from XXXX through XX/XX/XXXX prior to forbearance being applied on XX/XX/XXXX. 

FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Late payments and utilization are illegal 15 usc 1681 a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ) Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment 2 different years, Balance update Instruction : Please update payment history current/never late or deleted the account PLEASE SEE ALL ATTACH DOCUMENT

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 2022-06-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # 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 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of transunion inquiry issue. I have called them to try to resolve issue but customer service was no help. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 explanation