BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
The inquiry was NOT authorized. 

BK OF AMER Date of Inquiry : XX/XX/2021 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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 Reporting Act XXXX Account 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, 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 2022-07-31
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 Reporting Act XXXX Account 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, 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 2022-08-23
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I approved for the HAF program and they tell that on XX/XX/XXXX Loancare received a check from them to cover my past due amount. 

As of XX/XX/XXXX they still have not applied this to my account.

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 2022-12-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX is under a court appointed Guardianship with a protective order to close his Wells Fargo Bank account to pay for care costs as XXXX XXXX resides in a XXXX hour care provider. Our agency serves as both the XXXX and protective agent over XXXX XXXX with the court ordered authority to close his account. We have attempted to close the account both at the XXXX XXXX location in XXXX XXXX and at the branch location in XXXX XXXX, XXXX. None of these attempts have been successful. We have spent multiple hours in the bank branch getting told different answers and they continue to refuse to release the funds. We are told to come into the branch and leave with no answers or getting the account closed. We feel they are discriminating against our client because he is a vulnerable adult with XXXX and unable to advocate for himself to come in person to the branch. The bank is holding onto his money and despite multiple court orders refuses to release it. I have delt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Neither of them are able to facilitate the closer of the account due to unclear reasons.

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 2022-07-31
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 Account # XXXX, U S DEPT OF EDXXXX, XXXXDEPT OF ED / XXXX has violated my rights . XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-08
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TO : Consumer Financial Protection Bureau. 
I received a collection notice letter dated XXXX XXXX from ConServe Continental Services Group Inc. with their address : XXXX XXXX XXXX XXXX XXXX NY XXXX for the amount of {$590.00}. It claimed that I owed the XXXX XXXX XXXX XXXX for the debt account of XXXX. It stated I should pay the said amount to the XXXX XXXX XXXX XXXX for the XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. No where in the letter are stated the DETAILS or documentation of their claim. It was mailed to my old XXXX XXXX CA family address. I have copied them my complaint to CFPB and attached it to my reply to the ConServe. - XXXX XXXX XXXX now residing in XXXX XXXX XXXX XXXX in XXXX Maryland XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credco XXXX XXXX XXXX XXXX XXXX XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Theres incorrect 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 2022-12-08
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX  that I didnt live in, these are not my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: HW Holding, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX that I didnt live in, these are not my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Four times - I received notice from Bank Of America that my application for " XXXX  XXXX XXXX XXXX XXXX '' could not be processed because my credit reporting accounts were frozen. Also received from BOA a notice that my " XXXX  XXXX XXXX XXXX XXXX '' from BOA could not be processed because of frozen credit accounts. 

I had frozen my credit reporting accounts, but I do not have any accounts with BOA nor did I apply for any credit cards. I did contact BOA and was eventually able to talk with someone who gave me a couple tips to further guard against further applications. I can not easily get in touch with BOA even when they leave a number because their menus require an account number, which I don't have. 

I can't fault BOA too much except for the number of times a credit application was received but kicked back by the Credit report agencies.

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 2022-07-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I have new information Fact, on XX/XX/XXXX I notified Equifax that they were violating my privacy by reporting an alleged bankruptcy XXXX without my consent. 
Fact, A consumer reporting agency can not furnish information on a consumer 's report without my written instruction 15 USC 1681 ( a ) ( 4 ).

Fact, the reported case number of the alleged bankruptcy is inaccurate.

Fact, Equifax response on XX/XX/XXXX did not sufficiently address my ( the consumer concerns ). 
Fact, Equifax responded with a form letter Fact, Equifax continues to report inaccurate information after being notified of its inaccuracy. 
Fact, US Bankruptcy Courts do not report information to any consumer reporting agency. 
Fact, I suffered financial loss due to Equifax 's inaccurate reporting. 
Fact, Equifax 's inaccurate reporting caused me to be denied for a home equity line of credit. 
Fact, The XXXX data breach has compromised the accuracy of Equifax 's data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit check on XXXX was advised by teller and on receipt that funds will be available XXXX. Checked account they pushed my available on funds to XX/XX/15. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Noticed a few unfamiliar accounts 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 2022-12-08
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company has not shown any prove that I own this alleged debt. you have shown no signed contact between XXXX XXXX and your company stating we have a relationship. As I stated before It would appear as though XXXX XXXX XXXX, XXXX. [ ORIGINAL CREDITOR ] has sold this account to you, a 3rd party interloper, and you may be participating in fraud. 

Since there is NO SIGNATURE on the documents you may have sent me, who is accountable for this contract I am being offered? If you can state your claim & provide that contract, I have with you whereas there is a wet ink signature from the Claimant & someone from the RESPONDENT, I would be happy to settle this alleged account. Please notice that this is a request for VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 

Your company is committing fraud against my property. You had bought information that I did not give permission to anyone to share my personal information with anyone nor any company. this is Fraud on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy Federal was sent a Cease and Desist which included a notice of violations as it relates to the credit application that I filled out AND direction from me telling them to ONLY communicate by mail. I have attached relative documents here for reference. 

They then respond and say that they are going to CEASE ALL communication as it relates to all of the accounts I have with them. If you read my letter, I never told them to cease all communications. I made it plain and clear what they were to do. They instead, are willfully noncompliant to their responsibilities under Federal Law. Their response is also attached. 

By them not responding to the demands included in the letter, they are continuing to violate my rights as a federally protected consumer. They have also included an alert on my account that reads " Your account information is being provided for information purposes only. Providing you this information is not an attempt to collect a debt ''. They are attempting to collect on a debt because within their " loans and credit '' section it says " total debt '' and then it says that these amount are due. 

This is a clear indication that they are not only violating my federal rights, they are also contradicting themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reported lost identity and stolen on XX/XX/2022! Updated info and phone number! But the thief still opened the credit card at Chase with the old phone number!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Franklin Services to settle a debt I saw on my credit report. The amount the agent told me did not match what I saw on my report. I was told as a courtesy they withheld how much I actually owed on my credit report. I requested an itemized and detailed list of the debts owed. On XXXX occasion I was told it would be sent in an email. The second time I was told I had to make the request in writing. While waiting on the documents, I made a payment in the amount of XXXX plus fees. By the time the second agreed upon payment was due, I still had not received a receipt of payment nor an itemized bill. I called customer service and eventually ended up speaking to a supervisor named XXXX. XXXX literally argued with me about whether or not I received the itemized bill in the mail, blamed my post office and then retaliated after the conversation. I informed XXXX until he could produce proof I would not be making anymore payments. Since then my credit reports is impacted daily with delinquent notices from only Franklin Services. I dont believe all those delinquencies are accurate. I think they are resubmitting the same debts over and over to impact my credit. The amount still does not match what I was quoted or what I paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 2 credit cards with CITI BANK. CITI XXXX XXXX card ending XXXX and CITI XXXX card ending XXXX. On XX/XX/2022, I received a letter saying that " Because you were not able to maintain the security of this account, it is has been closed as of XX/XX/2022 ''. I do not understand this. I did not have any issues with the security of my cards and I maintained their security very well. This reason doesn't make any sense and it is not correct.

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 2022-07-31
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
REF XXXX, Lendmark has violated the Equal Credit Opportunity Act and has discriminated against me. I exercised my right in good faith under Title 15 by stating the various ways that that Lendmark has violated Federal Law and then I pull my most recent credit report and they have charged off the account which is now another negative mark. This constitutes discrimination and they are liable to violating yet ANOTHER Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, my money was taken from my account without my knowledge through online banking. The company does not work hard to make sure others can not access your account. I went to the bank because once the person hacked into my account they reset my password and took my money and I didnt find out I no Im I went to the bank. They then told me the fraud department would investigate and help me get my money back because they can see I was phished by someone and they did not offer me anything to stay afloat until the investigation is complete even though the perpetrator stole XXXX from my account leaving me to figure out how to pay bills. Navy Federal only closed the account and gave me another one which I still didnt have access to for a day. I had to call and see how I can gain access to my new account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief