BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On  XXXX   XXXX ,2017 I applied for a credit card in   XXXX   branch the lady pull my credit report and even showed me my score.   Later I got alerts about inquiries on my Transunion report.   Upon logging in there was  XXXX  inquiries from  XXXX  on  XXXX   XXXX ,2017 within minutes.   I called Transunion and explained them that I saw the  XXXX  employee pull my credit once and that why would they need  XXXX  duplicate reports on the same day.   Transunion representative said there was nothing he could do to call  XXXX  so they could request to delete the inquiries.   I then call  XXXX  that explained to me they only have record of  XXXX  credit inquire under my name so there is no way they could ask Transunion to remove the other  XXXX  that do n't exist on their system.   They also explained to me that sometimes Transunion has glitches were duplicate inquiries.

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 2017-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
I sent this company  2 lett ers asking them to provide me with a contract or any documentation bearing my signature. Neither of the times did they provide me with a contract. I am unaware as stated to them regarding this account. I have never had an account with  XXXX  and I do n't know of any terms and conditions regarding this account. My credit report was updated stating this account meets FCRA requirements. I contacted the credit burea via phone and was told it was valid and I needed to contact the creditor.

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 2016-03-15
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX XXXX XXXX XXXX . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a Discover Card opened in XXXX and closed in XXXX. I stated I never had such card and advised him he was mistaken. After @ XXXX mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a Case # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a Discover card. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent and email t o US Ba nk requesting to have  XXXX  of the  XXXX  NSF charges that I have received removed since it shows proof on the transactions that I had enough funds to cover the transactions that I am now being charged {$100.00} ( {$36.00} *  XXXX  = {$100.00} ). Here is my email that I sent to  US  Bank : I am disputing  XXXX  NSF fees of {$36.00} these because at the time I withdrew the month on the  XXXX  there as money in the account to over these transactions. I am not disputing the other  XXXX  the other  XXXX  that were added on today  XXXX / XXXX /  XXXX   because that is my error. I can see by my transaction history on my account that I have included that there was a positive balance after that transaction was done. I am requesting  XXXX  of the  XXXX  NSF fees refunded back. Thank you for your time and consideration.      XXXX / XXXX /  XXXX   Atm Fee  XXXX   XXXX   XXXX   XXXX   XXXX  {$2.00} Balance {$120.00}  XXXX / XXXX /  XXXX   Atm Withdrawal  XXXX   XXXX   XXXX   XXXX   XXXX  {$42.00} Balance {$120.00}  XXXX / XXXX /  XXXX    Debit Purchase   XXXX   XXXX   XXXX   XXXX   XXXX  {$16.00} Balance {$160.00}  XXXX / XXXX /  XXXX   Debit Purchase -visa   XXXX   XXXX   XXXX   XXXX  Wa {$7.00} Balance {$180.00} This is US Ba nk response   XXXX  Hello  XXXX ,  Im s  or ry to hear of the difficulty youve experienced with your account. I can certainly explain why the fees were assessed, to help prevent this in the future. Items on your account are paid based on the available balance. This balance includes check card authorizations, as well as any unavailable funds from a deposit. The fees assessed on  XXXX  were the result of transactions that posted on  XXXX . Your available balance ending this date was - {$240.00}, due to unavailable card authorizations at the ATM totaling {$360.00}. I 'm sorry for this reason we are unable to waive the fees on the account.     You can view your available balance by selecting the blue circle next to the running balance when you 're logged into  your Online Bankin g on the full site.       Now I use my mobile app to view my account and balance and what my pending charges are and what my current balance is available. Its obvious on the statement that I will provide that I received off the website online that the amounts were taken out of the positive balance and the only items that should have been charged a NSF fee is the ones in the read which I take responsibility for.     As you can see by the statement I was charged  XXXX  for {$7.00},  XXXX ,  XXXX   XXXX  not usbank atm charge. Those transactions clearly show a positive balance after it was withdrawn dated  XXXX / XXXX /  XXXX   per the statement I have supplied.

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 2016-03-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had an account with Discover for nearly 10 years. I recently acquired high balances on all of my revolving credit as I prepared to sell a real estate property. I sold the property and proceeded to pay off ALL my revolving debt, including the balance on my Discover card. within a matter of days, Discover informed me that they cut my credit available from {$7200.00} to {$900.00} because of data they had from XXXX. They did not even allow at least 30 days to pass to truly verify my current credit worthiness. In fact, I no longer had any credit card debt and was more worthy at this point for credit than I was before. When I called to complain and explain that their decision was based on outdated information, they said I had no other choice than to wait 90 days and request a credit increase. I explained that the decrease should n't have happened in the first place because they were using outdated and inaccurate information to base their decision. It seems as though once they were no longer going to collect interest payments from me, the did n't want my business. Odd timing and poor decision based on inaccurate data. I finally just closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: N.A.R., Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions 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:
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :   1.  XXXX    XXXX   XXXX  2.  XXXX    XXXX   XXXX  3. XXXX   XXXX   XXXX  4. XXXX   XXXX   XXXX   5   XXXX   XXXX   XXXX   XXXX   XXXX .
6.  XXXX    XXXX   XXXX   XXXX  7. 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 2017-07-17
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CITIBANK, N.A.
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am being garnished through my wages at this time without being notified by the Collection Agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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:
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  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
Consumer complaint received 2017-05-17
Company: 360 MORTGAGE GROUP LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
360 Mort gage is acting in bad faith in connection with a real estate transaction and acting as a foreclosure mill in refusing to adhere to standard real estate practices. At issue is borrower is looking to avoid foreclosure and has had an offer to sell their proper ty. 360  Mortgage has advised that the offer is too low based on their appraisal which is almost 6 months old. We have contacted the investor who has advised they are opening and working on a value dispute and that dispute should be completed by the end of the month to determine the value of the property.  360 Mortga ge was made aware that investor has opened a value dispute but has determined on their own to take the property to foreclosure sale prior to the value dispute being completed. This is completely unethical and acting in bad faith while parties are in the process  of negotiating a real estate transaction. Additionally 360 Mortgage 's appraisal is set to expire in approximately 2 to 3 weeks at which time they will be required to order a new value. 360 Mor tgage would rather foreclose on the borrower than to comply with standard real estate rules and regs when negotiating offers. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  UNITED REVENUE CORP  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Nationwide Biweekly Administration, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Defendant-Nationwide Biweekly Administration, INC. 

comlplaintant- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX a lawsuit was filed against defendant by you. i have been using their service for several years and my account was suspended on XXXX/XXXX/2015 without my knowledge. i would appreciate any information available to you and if I am included in this suit. I would also like to know what my rights and responsibilities are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). 
On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 
2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # 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 previously filed a complaint with the Consumer Financial Protection Bureau and Equifax requested that I mail so identity documents for their review. I will not mail documents through the USPS and allow Equifax to claim no receipt of the requested documents. I am attaching to this complaint all documents they have requested - including a copy of my social security card, current and valid state driver 's license and my home insurance policy showing my name and address of the home insured which matches my home address. I request this process be handled through this government protection agency as Equifax has proven not to respect my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, 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:
These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SYNCHRONY FINANCIAL
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:
Contacted XXXX XXXX concerned about a inquiry on XXXX/XXXX/XXXX, I was told to contact creditor. I contacted creditor who after a 1hr call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry

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 2017-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account. Deposited a check for {$9000.00}. They said I could not withdraw funds until after 7 business days. After 7 days, discovered they have closed my account, taken the money out and stated that they can hold my money indefinitely while trying to contact the person whom wrote the check to me. This man is a  XXXX    XXXX   XXXX   XXXX   and   XXXX    that is about  XXXX  years old. I talk to him all the time but they claim they can not contact him. As far as I am concerned they have stolen my money, because it has been more than a month now, and I assume they do this to collect interest on money held this way by thousands.

Company response to consumer: Closed with explanation