BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 XXXXXX/XX/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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$590.00}

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 2022-04-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXXXXXX sent me a text that my card had been used in the middle of the night. I woke up and contacted them to let them know it was not me. I asked them to close my card. I paid off the XXXX dollars I had on the card. However a year later they sent me an email saying I had a balance. I called and talked to a man who said my card had not been closed but that he did see I requested it to be. He said it would be resolved however its been 23 months and they are not going to fix it. Prior to this fraud and request to close my account I paid my balance off monthly which shows I would not just let it go unpaid if it were me. They did not close an account after I reported fraud and requested it be closed.

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 2016-02-20
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX XXXX added an unknown female to my auto policy which cause my Comerica checking account to be overdrawn for XXXX from XXXX I regularly pay, I have been trying to contact Comerica bank to try stop that unauthorized payment and nobody is there to assist me, only automated menus, when I select transactions it says to call Monday to Friday. it is inadmissible they do n't have anyone that can assist me with unauthorized charges to my checking account which is overdrawn because of this charge, if they are federally insured they should have someone person to assist on this matter, unauthorized charges just do n't happens Monday to Friday XXXX to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
To Whom It May Concern, I was notified by financial institution Bank of America of a cashier 's check of the amount of {$2000.00} being sent to my address back on XX/XX/XXXX for a claim that occurred in XXXX. The claim was originally denied but the financial had reconsidered their decision and informed me in XXXX that it would be paid. This was for a XXXX transfer between personal accounts. In XXXX, I no longer banked with the institution and accounts were closed, therefore Bank Of America can only pay me in form of a check. Upon receiving the letter of being informed that they were sending the check to my address that was on file and still current, I still never received a check as promised. I tirelessly tried getting the issue resolved contacting Bank of America multiple times a week since XXXX of XXXX. I've spoken to numerous departments and spoke to numerous supervisors who promised they would get issue resolved but still never got resolved. During the interim of speaking to multiple representatives, I was told so many different things of why the check hasnt arrived or given false information about the process of receiving the check. I have spent 2-3 hours minimum a day on the phone with this establishment at least 4 times a week to just still get nowhere. Whenever I spoke with someone different, they were telling me something and directing me to another department. This institution has poorly documented my file, whereas each representative wasn't able to reference where the check was, how to pay it and what the check was for. I am extremely upset of this whole ordeal and would like for it to be resolved ASAP. I was also told they attempted sending the check to my address multiple times after i called but nothing ever came to my address. It is now XXXX of XXXX and I still haven't received my cashier 's check that I assured I would receive. They are crooks and have poorly handled this situation. I shouldn't have to wait all these months to receive funds that was due to me over FOUR YEARSSS AGOO!! I am beyond angry and dissatisfied with their incompetent customer service representatives.

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 2015-07-03
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Exeter XXXX keeps calling my cell number and work trying to get me to payan outstanding balance of {$360.00} they say I owe for a late payment that theycant tell me what month exactly it is that was not paid. Their are also showingnegative info. on my credit report due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX, XX/XX/2015Dear CFPB, I use the HSBC bill Pay from my checking account. 
On XXXX XXXX and XXXX XXXX I made XXXX payments. They mananged to pay the XXXX ... but I am still missing {$2000.00}. 
XXXX XXXX : {$120.00}. XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX have now spent over XXXX hours on the phone with HSBC associates and they now say its the Bill Pay vendor that is the problem and they are trying to trace my money. 
HSBCs vendor is their problem -- HSBC is responsible for paying my bills. 
Today I have now ( after XXXX more min on the phone today ) requested that the {$2000.00} be returned to my account ... HSBC says that they may be able to return {$1000.00} -- to my account -- in the next few days., but the other payment XXXX XXXX. ( bills are to be paid in XXXX bus days ) .has been processed and I will need to wait yet another XXXX days for the bill to be paid. I pointed out that this will mean that they have held {$1000.00} for XXXX days. My Credit card, has not received this payment.. 
Today the HSBC associate said that they had a new BillPay service and that I was suppose to " refresh '' my Bill Pay list, however he could not tell me what I had to do to refresh the list. All of my payees remain the same ... The only changes have been internally at HSBC. 
I have done everything I can possibly do ... Over the weekend I spent XXXX hours on the phone with HSBC, I have excahanged Bank Mail. XXXX XXXX HSBC associate hung up on a conference call with my Credit card rep. XXXX At this point I dont know what you can do, but I wanted to register this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Mr. Cooper Group Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : NSTAR/COOPER XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions 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:
The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2017-07-02
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I opened a Loan with XXXX XXXX XXXX XXXX/XXXX/XXXX for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but Equifax removed it along with other positive items from my credit report only to report negative collection items with around 19 inquiries due to identity theft. According to the FCRA the XXXX XXXX XXXX Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by Equifax office of consumer affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount items that were opened under my social security number and by the look if it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX  XXXX {$140000.00}

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 2022-09-13
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act Experian, XXXX, XXXX, also XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. There should be nothing negative in my consumer credit report I never gave oral or written consent.! This is a federal violation. Due to the negative reviews on my consumer report I have stuffed great XXXX. I am not able to get approved for anything due to the negligence of the credit bureaus. This had caused me great stressed. I missed out on my dream home due to the false and deceptive practices and the false and misleading information the credit bureaus gave me I lost out on my dream home and I have been mentally drained ever since.

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 2020-10-06
Company: Self Financial 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: Account status incorrect

Complaint:
Self Lender is reporting a closed account that is paid off, which the balance reported is {$390.00} an the loan {$0.00}. I have not received my initial loan amount back but this loan has been paid in full. the date paid off was XXXX XXXX. I then called an expressed that this account is reporting negative information that is keeping me from obtaining many things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received an alert from my credit report that I owe an amount to a company called The Bureaus. I have tried to locate a number for this company as it is 3 different addresses listed on my reports. As I do further research, on the attorney general website of Florida, The Bureaus isn't listed as a licensed company to collect in Florida. I have no knowledge of the said debt and this company did not send me the proper debt validation before reporting negatively to my reports and heavily impacting my scores. This company is within 2 violations and I request that this company is removed from my credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Progressive Financial Services, Inc.
State: AZ
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:
I attempted to settle this debt with this company back in the begin of XXXX, I spoke with an employee by the name of XXXX XXXX, who I asked if i could be sent a settlement letter to settle the balance owed on a previous XXXX bill I had, I asked if I could have it sent via email or fax, the employee advised me that they could not do that. I said ok and we disconnected the call. I attempted again around the XXXX of XXXX and I spoke with an employee by the name of XXXX XXXX @ XXXX XXXX, who was very nice and I asked her I needed a settlement letter or something stating the validity of this debt, I asked her if she could fax or send me this letter, she stated no we can not do that, she stated she could mail me the letter, she verified my address, I asked her if she knew how long it would take, and she stated about 3 business days, since we XXXX are out of Arizona. Today is XXXX/XXXX/2015 and I have not been mailed anything to prove this debt. Prior to XXXX/XXXX/15, on XXXX/XXXX/15, I attempted calling to see why I never received this letter and I spoke to a receptionist who stated that the department were my case was handled had closed early and to try calling back on monday XXXX/XXXX/15, I asked if she could help me, she stated she could not see anything they could. I made multiple attempts today XXXX/XXXX/15 to call and speak with somebody and everytime I called the company, they asked me for my account number and I entered it, then I entered the ext of XXXX XXXX, nothing but a voicemail stating to leave my info to have someone call me back. I did not leave my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called in or around XXXX XXXX, XXXX to advised I have switched Insurance companies. I was told by representative to fax over documentation for new insurance company and I requested my loan be reanalyzed due to lower premium for insurance. I called back on XXXX XXXX to find out they never updated my information. representative confirmed that fax was received however they never change my insurance information nor did they reanalyzed my account. The lower premium would have made my payment lower however they never even changed the company nor took care of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
the problem is with my Capital One credit cards, which have been blocked for use as well as access to my account online. 
I have been a customer for 18 years and without prior notice my credit cards have been blocked. I have excellent credit. 
I have spoken with the company for a month in innumerable calls, but they do not give me a solution. 
I do not reside in the USA, so I do not have a USA phone and they allege that they can not verify my identity ( I have offered to the company the phone number of my accountant in the USA. I have a company in XXXX, FL ), but they have not accepted it because the phone is not in my name ). I have faxed the company a note ( XX/XX/2020 ) and a copy of all the documents so that they can verify my identity ( Passport, United States Visa, SSN, copy of the statements, etc, etc ) and neither They haven't even answered me. I have already exhausted all the instances that are within my reach. The problem is that I am quarantined in XXXX and I urgently need to use my credit card. I do not understand the reasons they put to rehabilitate them. 
Please, I beg your help to solve the problem for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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

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