BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordence with the Fair credit reporting act XXXX Account # XXXX, # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS 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 2022-06-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-13
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:
In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Affirm Holdings, 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 information incorrect

Complaint:
Due to the outbreak of the Covid-19 virus many unforeseen changes took its course causing many not to be able to pay their bills on time including myself. Since the obligations were paid in full on XX/XX/2022, I request that you please stop reporting the accounts as late and delete them from my credit report as you are no longer owed this debt. 

I am trying to clean up my credit report and seek new credit opportunities. I have recently started a new business and are trying to secure business funding. Your company is hindering that progress and defaming my character causing me to be denied credit and funding to start and grow my new business due to inaccurate and unfair reporting. Please assist me in accomplishing my goal by deleting the accounts being reported to XXXX as I no longer owe you this debt. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

I am exercising my right. Delete the account.

15 U.S.C 1681 Section 604 A Section 2 : States a furnisher of information can not furnish consumer information without my written instructions. 
I did not give you consent. Delete the account. 

15 U.S.C 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies must provide accurate information.

The information being reported is inaccurate.

Ignoring my attempts to have these accounts deleted from my consumer report is a clear violation of my rights according to the Fair Credit Reporting Act of all the laws stated above including 15 U.S.C 1681-violations for willful noncompliance- 616- Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XX/XX/XXXX - order placed on www.target.com for {$550.00} worth of XXXX XXXX XXXX. Total paid was  {$520.00} with red-card discount. 
XX/XX/XXXX - Contacted CS chat as cards never arrived. Was assured they shipped even though the label from XXXX XXXX denied it at the time. 
XX/XX/XXXX - Contacted their CS chat again, due to non delivery. Was told I needed to call. 
XX/XX/XXXX - Called XXXX CS - spent one hour on the phone straightening out the mess. Was told I waited long enough, consider the old order cancelled. Was recharged {$610.00} for the cards with expedited shipping. Received an immediate {$90.00} refund for the shipping. Was told to expect the {$520.00} refund within 7-10 business days. 
XX/XX/XXXX - reached out to CS chat again, as there has been no refund. Was told to call again. Sent a XXXX message as I could not call. XXXX response states they never cancelled, it was shipped and delivered, and pretty much OUR fault that they lied and did n't credit us immediately, and WE need to file a report. 

So I did. Here. 

This is most unacceptable. I would appreciate help in receiving a refund, as I have now paid {$1000.00} for {$550.00} in gift cards. I have also filed a report with the BBB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPEN ACCOUNT STATUS HARD 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 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against Bank of America because they are attempting to collect a debt that I do not owe them. That debt has been paid and the account was closed on XX/XX/2019. Account Name, Bank of America, Account Number, BOA.

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 2017-06-27
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:
I am disputing a claim that was processed and paid on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX XXXX, GA. I have concerns with inflated cost of service and fraudulent activities. I had a XXXX procedure done on XXXX XXXX, XXXX at XXXX XXXX XXXX. When I sat down to register for the test with a hospital employee, I was informed that if I can pay for the XXXX in cash it would only cost me {$500.00}, if not, they will submit the fee to my insurance company for payment. I advised the registration clerk that I did not have {$500.00} cash and to please submit the fee to my insurance carrier, which is XXXX XXXX XXXX. I also advised that I had a HRA ( health reimbursement account ) with a balance that will cover the {$500.00} cost of the XXXX. I then signed off on a form that stated I am waiving the option to pay with cash and require the hospital to bill XXXX XXXX XXXX ( HRA account ). XXXX XXXX XXXX filed a claim with XXXX XXXX XXXX for {$4200.00}, which is an inflated amount from the initial {$500.00} ( cash ) I was quoted during registration. The claim was processed and paid by XXXX XXXX XXXX on XXXX XXXX, XXXX for {$530.00}, leaving a high balance of {$2000.00} that the hospital is stating I owe them. I have had several XXXX in my lifetime and never been billed over $ 2K for the procedure. I would like this matter reviewed and investigated because at the time of the XXXX in XXXX, XXXX XXXX XXXX was a brand new facility and I am not sure if they were trying to get customers to pay for their equipment by inflating cost of service. I believe they purposely submitted the claim to XXXX with an inflated price of {$4200.00}, which I feel is a fraudulent request because the fee was initially {$500.00} if I paid by cash. What is really the difference between paying in cash OR paying with my HRA account? It should still cost {$500.00} either way. Why did the cost of the XXXX go up by 7 times? Anyway, I should not have to pay the hospital an additional {$2000.00} for a XXXX that they told me cost {$500.00}. They did receive a payment of {$530.00} ( additional {$33.00} ) from my insurance carrier ( XXXX ), covered by my HRA. This means that they were paid in full and I should not have an outstanding balance. They inflated the cost of the XXXX so they can gauge additional funds from XXXX and from myself, which is fraud.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My small business, XXXX XXXX, is a Service XXXX Veteran Owned Small Business that does contract fulfillment for the federal government. We bank with Bank of America, and have a corporate credit card with the company. Recently a a supplier over charged my corporate credit card in the amount of {$40000.00}. The overcharge was credited back to the account on XX/XX/XXXX. 

I have contacted Bank of America over 20 times attempting to have the credit returned to my BofA checking account, and thus far have been unable to have the money returned. Most of the calls I am transferred around until I eventually hang up, but recently I have been told that the money is being transferred back to my account, only to never have it arrive. On subsequent calls, BofA claims they have no record of the transfer request, and that they will wire the money within 24-48 hours. 

At this point I am out of options. I have exhausted all avenues to have my money returned to my checking account, and I am hoping that the government can help this XXXX stay solvent. 

Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
72 e-mails received of which 26 were received on a Saturday or Sunday defined as inconvenient time, 1 received on Saturday and outside the contact peiod, and 6 were multiple e-mails received at same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter. 

2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.

3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Credit Corp Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicer, PNC, has listed on my escrow account, three homeowner 's ( hazard ) policies listed on my mortgage account. The only valid policy, has an expiration date of XXXX/XXXX/XXXX and is to be paid via renewal through escrow payment ; however, mortgage servicer, PNC, has this to be paid via one of the other three policies listed on my account on XXXX/XXXX/XXXX. In addition, today, XXXX/XXXX/XXXX, I note that valid hazard policy with expiration of XXXX/XXXX/XXXX, has been paid via my credit card, and not through escrow as was established at time of loan origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a 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 explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am having issues with the way that Chase is handling my accounts. I recently had arrangements to satisfy a charged off account to pay {$50.00} per week and a lump sum at the end of 5 consecutive payments to satisfy the account. However, I was laid off and was not able to fulfil my payment obligations. On XXXX XXXX, 2017 Chase redirected {$720.00} to offset the amount of the charged off account which were funds to be used to make my monthly rent payment. I immediately called Chase and spoke to a representative named XXXX who stated that she did not have the authority to redirect the funds to my account. I was then transferred to a Sr. Representative by the name of XXXX . I explained the severity of the situation and even made the necessary arrangements needed to get those funds back. This dilemma could cause my rent payment to be returned and my leasing company to file eviction. Chase did not seem to care and told me that due to their policy that I could only receive half of the funds back in that respect. I asked XXXX to process the return of the funds as she stated and that I will visit my local branch. 
I stopped by the Chase branch at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke with a banker to try and get further assistance. He did advise that there was nothing he could really do but would call the recovery department on my behalf. He spoke with a Representative name XXXX who was very helpful. He agreed to credit some fees to another account that I had to assist, however, he could not override the arrangement from the previous representative, XXXX. 
Needless to say, my rent payment is pending and could possibly be returned and now I am short {$220.00} for that payment and risking eviction. These policies are not in written in Chases verbiage to advise a customer that funds from your current account can be offset to an account that charged off 2 years prior without your knowledge. 
I am requesting my full refund of the fees that were deducted from my account. Immediately as this has caused a considerable hardship that Chase does not care about..

Company response to consumer: Closed with explanation