BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent certified letters to Transunion stating that i did not give authorization for these companies to pull my credit and i had been a victim of identify thief before i even supplied the police report and ask them how did they verify these inquiries and i still have not gotten a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CrossCountry Mortgage LLC
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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 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 2016-02-04
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Capital Credit and Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This was a debt that I did not owe that was incurred by my ex-wife six years ago. Although I was not obligated to pay the debt by the terms of the separation agreement, and did not agree to incurring the services and the cost thereof as the separation agreement required me to pay for healthcare premiums and XXXX XXXX to simply absorb any copays, I paid this amount so as to facilitate my children 's well-being and conclude a divorce. I paid this {$60.00} charge in XXXX XXXX even though it is an account that belongs to XXXX XXXX and even though she sent the bills to me months after they were due -- thereby causing them to be late through her negligence. Nonetheless, I paid them, successfully contested the negative marks on my credit reports, and believe the matter concluded. I heard nothing more about it, and it did not appear on my credit report, until six years later, in late XXXX XXXX, out of the blue. It is paid and closed and was only late for 30 days because XXXX XXXX did not inform me of a co-pay that was due. I spoke to XXXX at the collection company, Capital Credit and Collection, today, and advised her of the above facts. She indicated that Capital Credit and Collection had not taken any actions that should have resulted in reporting this paid and closed account as a negative account on my XXXX credit report. XXXX at Capital Credit and Collection advised me to dispute the account to XXXX and to the CFPB and that when XXXX and the CFPB contacted Capital Credit and Collection XXXX or XXXX of her colleagues would instruct XXXX and CFPB to remove the negative account from my credit report. I hope that indeed Capital Credit and Collection does as promised and removes this negative account from my XXXX report as well as the other XXXX XXXX and XXXX reports if it shows up there. If not, I will be obligated to commence litigation against Capital Credit and Collection. In other words, Capital Credit and Collection does not want this item on my credit report and did not report it to XXXX, and yet it is on my XXXX Credit report. It needs to be removed immediately as it is interfering with my credit score and my ability to purchase a house for my family, including foster children.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CITY NATIONAL BANK
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Thursday, XXXX XXXX I set up and was approved for a personal checking account with City National Bank. I was given an account number and routing number and was told by my account representative that I could begin immediately using the account and make appropriate direct deposit arrangements with companies or entities paying me to send money to my new account with City National Bank. On XXXX XXXX and XXXX XXXX I arranged with and did the appropriate paperwork with many companies and entities to being immediately sending money to my new account with CNB. My account rep at CNB also ordered and sent via XXXX overnight my Platinum Check Card and temporary pin number to me which I did receive on Monday, XXXX XXXX. Based on the account being opened on XXXX XXXX, I closed an account with a existing financial institution. On Monday, XXXX XXXX after informing over XXXX companies of my new account and new direct deposit instructions I was contacted by a very rude CNB representative stating my previously approved account was now being closed due to alleged negative information they received from ChexSystems. They were very uncooperative and insensitive to the fact that 4 days prior they approved the account and I had already made many arrangements for direct deposits to go to my new account. Emails to executives were with met with rudeness, disrespect and lies. The account was never reopened. I also was informed that if in fact XXXX had a negative report on me, CNB would have known immediately on XXXX XXXX when attempting to set up my account. Not 4 days later. This bank has caused a lot of unnecessary stress, wasted time and severely disrupted my life as now payments I was expecting will be delayed due to companies already changing bank info for direct deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: MI
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:
Upon reviewing my credit report for accuracy I noticed that XXXX XXXX XXXX XXXX reported my account as 30 days late for the month of XX/XX/2022. Under Usc. 1681 It states I have a right to privacy. I never gave my permission to put any of my info out or to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: A-L FINANCIAL CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
AL Financial Corp has been pulling my credit report without my consent. I have not been in contact with them for credit checking since XXXX. They pulled my report XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to dispute this with the company with no success. These inquiries are impacting my credit negatively and affecting my abilities to use my credit to my advantage in finding a home or other necessities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accurate reporting 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 2021-01-10
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed and they come back is correct nothing in writing has ever been received. This debt is definitely not correct. I keep saying I owe just not the XXXX nobody has provide a breakdown of amount my original signature or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: VA
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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.

Please delete these accounts from my credit report. 

XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # 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 2022-10-20
Company: EQUIFAX, INC.
State: NY
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:
I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I was scammed due to people posing as USAA agents who got into my account and illegally transfer $ XXXX into my account and withdrew XXXX XXXX dollar checks out my account. Then USAA came and saw the funds return and left me $ XXXX in debt and they are trying to say it's my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: AmerAssist A/R Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
3 accounts in collections that was paid off/charged off sent to collections its illega according to the fair credit reporting act. a loan cant be sold and charged off. XXXX? XXXX and XXXX XXXX XXXXXXXX XXXX AMERASSIST AR SOLUTION please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Service on XXXX. Was transferred from XXXX XXXX XXXX XXXX Michigan to XXXX XXXX XXXX in XXXX Michigan. Received a bill from ambulance  provider I called them to notify them that after contacting XXXX  the bill was to be paid through the hospital. I have not heard nothing from either party until I checked my credit score to find out the EMT  company opened some credit card on XXXX without notifying me the situation hasnt been resolved. Now the M & M credit company put it into collections. Ive never received nothing from any parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. I have six inquiries on my credit report that were not authorized by me. These inquiries are fraudulent. The fraudulent inquiries are : XXXX on XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX XXXX XX/XX/21 ; XXXX, XXXX XXXX XX/XX/21 ; XXXX XX/XX/21 ; XXXX XXXX, XXXX XXXX XX/XX/21 - Attached is the FTC report showing which companies have placed fraudulent inquiries and my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I used my paypal line of credit to purchase an in person training class to be completed on XX/XX/2022 as well as a facial beauty tool to be trained on for the amount of {$2800.00}. As of XX/XX/XXXX I still had not heard back on a confirmation of scheduling the class and I also was in the user group and saw lots of issues with the machine overheating and people having to buy 2 of them to work throughout the day etc. On XX/XX/XXXX I emailed and asked if I could just cancel the order due to my concerns and return the package once it arrived. On XX/XX/XXXX, the vendor agreed in writing to issue a full refund upon returning the unit and paypal instructed me to insure the package $ XXXX provided the mailing address for me to send it to, suggested I send it with a signature required, and instructed me to load the tracking information once It was complete. I did all of that exactly as instructed. Paypal stated that once the item was confirmed it was recieved I would receive a full refund 5 days later. I tracked the package, The item was signed for by the vendor herself according to usps on XX/XX/2022. I had to file this dispute many times and paypal kept denying my case. On XX/XX/XXXX I tried to reach out to the vendor to see what was going on and she didnt respond. its a very long story but the short version of this story is, the vendor agreed to issue a full refund for the IN PERSON TRAINING CLASS and the pen she was going to train me on. She received her pen back and signed for it herself and suddenly she changed her mind, decided she was not going to give me a refund AND she kept the pen! She states she sent me an email with training in it which is pointless because I was paying for an in person hands on class???? So she kept the money, kept the pen and didnt train me. I have tried all year again and again I keep reopening my dispute on this however when I call in they have people who have a dropdown list of reasons why a person would dispute something and none of them matched my reason. I sent a {$30.00} fax with the documentation they already had in their system yet asked me to fax. I paid {$27.00} to send the vendors item back as instructed. The vendor since that day has written multiple verbally abusive insulting emails to me stating I am XXXXXXXX  etc. and I am at a loss as to what to do now? I received no in person training and I returned the product and proved the vendor signed for it. Please advise. My next move is to report it to all 3 credit bureaus that it is FRAUD. I appreciate your time and response.

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 2017-02-03
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we refinanced approx. 10 years ago, we was told this could help us in the long run. we pay XXXX dollars a month for mortgage payments. for ten years we have not seen any movement on our balance. principal interest or anything else. we payed in advanced for three years of mortgage and after noticing no movement on our balance the stated the computer was not set up to handle this transaction.10 years at XXXX dollars every month. no credit to the account we have lived here over 20 years.citifinantial sold our mortgage after we insisted on sending us something showing where our money was going. please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX 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 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 2017-02-01
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I applied for a job with a company called XXXX. I had to pay {$7.00} for my background check. Within days, I was denied employment because the consumer reporting agency they used claimed that my social security number could NOT be validated. In speaking with First Advantage, I was advised that because I have a security freeze on my credit reports, they could not validate my SSN. I find this very disturbing as there are other ways to verify someone 's SSN. Additionally, within the report myself and the employers was sent, it uses deceitful verbiage such as " Ineligible '' and " the SSN does NOT belong to the consumer in this report '' which is not only inaccurate, but is misleading and defaming to my character. First Advantage told me I would need to lift the freeze so they could re-process the background check. I was already DENIED employment because of their inaccurate information so would n't that information been more valuable to me had they told me PRIOR to completing the background check? Should n't it state that we pull this specific credit file and would need it to be clear of freezes? In fact, typically when there is a freeze, I am contacted by the company trying to pull my credit and asked for the security code to access the file prior to being DENIED or considered INELIGIBLE. This process is required under the FCRA when pulling a credit report that has a security freeze. Neither was done. Further, not all of my credit files have a freeze. How was I to know which XXXX they pulled? I am disgusted by their violations and the damage they have caused. When I reached out to XXXX they were of no assistance and put the issue back on First Advantage as if they were the decision makers for employment. I 've been labeled " ineligible '' for employment and I 've done nothing to deserve that. This entire process between XXXX and First Advantage should be looked into.

Company response to consumer: Closed with explanation