BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

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 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

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 2022-06-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since this company Bb & t merged with suntrust they have been hitting me with XXXX dollar overdraft at every single chance they get. I was laid off from my job on XX/XX/XXXX and I am now XXXX. This company obviously does not care about their customers one but. I deposited a XXXX dollar check last week on the XXXX and they put a 10 day hold on my check. They are now charging me nsf fees for reoccurring payments and their XXXX dollar monthly service fee. This company basically makes up their own rules. Their fraud department actually said it was at the local bank manager XXXX XXXX discretion to release my funds and when I begged her to do so she was extremely nasty about it. She said I will not release the funds because in the last XXXX years you have XXXX nsf fees. Most of these fees were caused by their merger that completely screwed up my accounts and there were times I had no access to the app or money through my atm card. This company caused so many issues to my account when they merged and then I paid the price. I was laid off last XXXX in XXXX because of COVID and now this past XXXX due to the mortgage industry rise in rates and extreme volatility in industry as well as my becoming XXXX after being hit by a car while walking my dog. I feel I have been treated extremely unfair and I do not think this company should be able to be unavailable in anyway for days and days and because of their merger charge me excessive fees than because of these excessive fees prevent my having access to a XXXX dollar check that I was desperately in need of. Since COVID I have had to live in a hotel and then I lost my job twice this company should have some compassion for these unforeseen and uncontrollable issues I have experienced!

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 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by capital one bank. 
Made within past 6 mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax Credit Reporting I have attempted twice to fix credit reporting in regards to a XXXX loan with XXXX. I have two consolidated XXXX loans which remains in good standing and was in forbearance status due to the COVID19 pandemic. Equifax continues to show the account as negative with an open balance of - ( negative ) - {$21000.00}. Equifax is showing the account as an installment with an available balance in a negative balance which directly affects my credit score. Equifax is showing the XXXX loan balance as {$37000.00}. This is incorrect. I have 2 consolidated loans with XXXX listed below : Consolidated Loan {$36000.00} in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX Consolidated Loan {$21.00}, XXXX in Forbearance Status from XX/XX/XXXX - XX/XX/XXXX. My total XXXX  loan repayment is {$57000.00}. Repayment to begin on XX/XX/XXXX with monthly payments of {$290.00}. 
I began making regular payments after the forbearance as of XX/XX/XXXX. I have attempted twice to fix the issue with XXXX and also mailed, faxed, and submitted a dispute via the www.equifax.com website. I have not been able to obtain a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute inaccurate information on my credit report that I have reported to XXXX. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account is not mine : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$10000.00} Please remove it from my credit report. 

The following account was never late : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$520.00} Please correct/update this inaccurate information 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

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 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

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 2023-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, someone got into my XXXX account and made XXXX unauthorized withdrawals, The first transaction was for XXXX and the second one was for {XXXX totaling {XXXX I reached out to my bank which is Fifth Third Bank and notified them that it was not an authorized transaction, they told me they would do an investigation and I would get my money back within 7-10 business days, I waited and waited and didn't hear back from my bank, on XX/XX/XXXX the same person or company came back again and tried to make another XXXX more transactions of XXXX XXXX XXXX XXXX  On XX/XX/XXXX they processed another transaction of XXXX but this one was reversed by the bank on XX/XX/XXXX, I reached back to Fifth Third bank for a follow-up, and l was informed that unfortunately, they were unable to help me get back my money since I reported the issue after XXXX hours, They explained to me that they have a policy that states that if you don't report a fraud transaction on your account within XXXX hours you lose your money, I was informed that at this time I was going to lose the money and was advised to close my account as someone had access to it, This policy was never explained to me at the time of the account opening and neither of the people in the bank knew about it, I just want my money back and I don't feel like the bank is being fair, also I don't want the same situation to happen to anyone who has a XXXX  account with XXXX Bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-06-06
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
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 have an open and active account with the First National Bank of Omaha and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a XXXX  years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.

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 2022-07-27
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed that my XXXX credit score decreased due to outstanding loan balance for a debt owed to XXXX XXXX XXXX in XXXX, TX in the amount of {$550.00}. The incorrect address associated with this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX- which appears to be the address of an apartment owned by XXXX XXXX XXXX XXXX in XXXX, TX. The debt is owned by the debt collection agency Transworld Systems , Inc. THIS DEBT IS NOT MINE. I have never lived in XXXX, TX ( in fact I have never set foot in the state of Texas ). I do not know how my name got associated with this debt or how it got into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The following account is violating my rights. 
- XXXX XXXX {$9600.00} 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 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
Consumer complaint received 2021-04-20
Company: TRANSWORLD SYSTEMS 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:
XXXX XXXX XXXX XXXX misreported an account by charging it off after an agreement had been made. The debt was settled prior to XX/XX/2021. It was agreed that if the 1st of 3 instalment payments were made the account would not be charged off. I paid the account off in full on XX/XX/2021. I called the bank rep and reported the account paid in full. She apologized for the banks error and stated she would do whatever to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been disputing three accounts on my credit file since XXXX of 2022, I have requested that the credit bureaus XXXX, Transunion, and XXXX to please verify these accounts and how they verified these items and who they spoke with or please remove them from my credit report. 

I have not received a response from XXXX regarding these complaints Each time I get responses from the credit that they verified them but don't provide details of the verification process, who they spoke with etc.

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 2022-06-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On several occasions I have tried to to pay off my XXXX XXXX store credit card with Comenity Capital Bank. 

I paid it off sometime in XX/XX/2021 and closed the card. However, through XXXX to the present, Comenity has been tacking on service charges ranging from {$9.00} to {$2.00}. 

I accrued a late fee in XXXX because I believed I paid the card off. I agreed reluctantly to pay the remaining {$46.00} ( all service charges and late fee ). I was promised by the customer service representative that I would no longer have any fees added to this card and it was a XXXX balance and stay as such. 

I requested a letter stating I would have this XXXX balance from now on, which was mailed to me and I have in my possession. 

Today, XX/XX/XXXX I have received a bill from Comenity stating I owe them {$2.00} due to a service charge. 

I called their customer service number and explained I was promised I would no longer have fees on this account. The customer service representative took my information and then five minutes or so later told me that he could not help me today because Comenity is doing a system update. I was told that I would have to call back on the XXXX when their systems were updated. 

I state this was unacceptable and that I wanted to speak to a manager. I was told no that due to the system update speaking to a manger would not work. 

At this point I stated that I would be reporting this to the Credit Financial Protection Bureau and I ended the call. 

I refuse to pay this {$2.00} service charge and any other charges or late fees that may accrue as I was promised over the phone and via letter I would remain with a XXXX balance and considered any card payment completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of XXXX, I co borrowed for a XXXX financed by Credit Acceptance Corp. Payments remained in good standing until XXXX of XXXX when the other borrower left home with the vehicle and never came back. Since then, every payment has been at least 30 days late. I do not have access to this vehicle. I do not insure it. I am not on the registration. I have tried countless times and multiple phone calls to resolve this. I have begged for them to repossess the vehicle since it is currently over 90 days past due, with no attempt to make payment since XX/XX/XXXX. Ive asked to surrender it. Ive asked to remove my name in anyway. I can afford this vehicle but they wont even help me get possession back of it. It has ruined my credit. I dont understand why they wont just take the vehicle or even just give it to me and Ill deal with it. The person who has it doesnt have a job anymore and hasnt since the first late payment. He has missed more payments even on the payment arrangement than made. Its hurting me more to let him continue to mess up every month then it would to just take it from him and ding me for the next 7 years. I am a good hard working person trying to do the right thing but they are catering to a XXXX XXXX  grown man with no job. He doesnt even insure the vehicle, his mom and dad do. Please take my name off of this. If I had possession I would either sell, refinance, surrender, or pay it. But I shouldnt have to suffer because this car company doesnt want to do anything about it.

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 2022-09-19
Company: EQUIFAX, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation