BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed Two payment the XXXX XXXX  XXXX and the XXXX XXXX XXXX in the amounts of {$120.00} To XXXX XXXX for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.

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 2022-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
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:
Yesterday, a man attempted to contact me by calling my brother. 

I called this person.. He says that he is attempting to collect a debt. He said that he has sent mail to my home repeatedly regarding a debt I owe to HSBC bank from an account held 2009. I never received this mail. 

The man told me that if I don't pay him {$500.00} by the end of the business day toward a balance of about {$1500.00}, he would subpoena me at my job. He said that in the event that I do not pay, my debt would increase to about {$5000.00}, I would have a ding on my credit score, and I would receive a subpoena at my job this Monday. 

My court date he said will be XX/XX/XXXX. 

I have not received a summons or any mail from HSBC.

I contacted my credit bureau and there hasn't been any sign off from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent you letter by certified mail, but you failed to remove accounts from my credit report that are unverifiable I'd informed you already they are not linked to any of my address, so how are they verified? You have neglected to remove and delete the items that I have disputed from my report, lists of the accounts are shown below. You should comply since XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

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 2021-09-30
Company: EQUIFAX, INC.
State: OH
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 had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed XXXX payment the XXXX XXXX  XXXX and the XXXX XXXX  XXXX in the amounts of {$120.00} To XXXX XXXX for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At the end of XXXX and XX/XX/2022 I had made cash deposits in both months, cash that was from a check that was made out to me as a referral fee for selling a new construction home. I had taken the checks made out to me directly to the paying bank and had them cash me out and deposited the cash into my Chase checking account. Neither of the checks were over {$2000.00}. On XX/XX/XXXX I was paid 2 more referral fees for selling a new construction home, both of those checks I also took to the paying bank and had them cashed which I then deposited into my Chase checking account. The next Monday on XX/XX/2022, I received a check from my occupation. It was another referral fee paid to me for selling a new construction home. Instead of cashing the check from the paying bank like I had done in the past I decided to to do a mobile deposit of the check directly into my Chase checking account. I may have deposited the check too early as funds had not become available to be redeemed. On XX/XX/2022 I was told there was a hold on the check deposited due to funds not available from paying bank. No information was requested from me. The following day XX/XX/2022 I was informed Chase would be closing my account due suspicious activity or because I couldnt provide information that they had requested. However I was never given the opportunity to authenticate the funds that were being deposited into my account and Chase never requested any information from me to attempt to keep my account open. Instead they informed an irreversible decision had been made to close my current checking account and never be able to open another account with Chase. When I asked why or if anything could be done I wasnt given any substantial information instead I was told there was nothing that could be done and my account would be closing. Since I wasnt given the opportunity to authenticate the funds or given a reason why my account was being closed I can only come to the conclusion that, because I am a young XXXX American living in a border town that is making large cash deposits into my account led the bank to jump to the conclusion that the funds I was placing in the account were not legitimate and not obtained from a reputable source. I feel I am being discriminated against for the previously mentioned circumstances as I was NEVER given the opportunity to authenticate my position and the funds that were being paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: OH
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 had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed XXXX payment the XXXX XXXX XXXX and the XXXX XXXX  XXXX in the amounts of {$120.00} To XXXX XXXX  for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.

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 2015-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My account shown on the attachment has been disputed numerous times over the last 7 years. Those investigations by the credit bureaus led to nothing being accomplished. The credit bureaus claim to have verified this information and do nothing about the fact that it is illegal, even if charges are NOT disputed, to charge 600-800 hundred dollars in fees on a disputed balance of less than XXXX. Now it has come time that the account be removed because of the amount of time that has elapsed and the credit bureaus are not enforcing the FCRA rules. As you can see on the attache ; the account clearly states that the account was OVER 90 days past due as of XX/XX/XXXX. The FCRA requires that the 'date of first deliquency '' be used to determine the removal date. The removal date should not be XX/XX/XXXX. It should beJuly or sooner based on their own information. It is also illegal to charge excessive fees and as you can see, the statement of XXXX XXXX is that these are disputed charges of less than XXXX. This credit report is from XX/XX/XXXX. Current credit reports show even higher amounts due that the excessive {$940.00} shown here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Transunion XXXX total, different disputes by XXXX by certified mail and XXXX by USPS, however, they answered only XXXX within the 30 day window and have not answered or even given responses to the other XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
TRANS UNION - I tried to look at my report, and screen blinked, and could only see it for a second. I tried again, and they we already gave you the report, when I did not get it. I sent a message to them, and I got a terse letter saying along the lines of 'too bad, we gave it to you, you can pay for another if you would like. ' XXXX - I get this message : A condition exists that prevents XXXX from being able to accept your request at this time. 
They say I have to mail in a request. I am now unable to get XXXX of the XXXX reports. 
I get all my reports quarterly, I am now XXXX reports behind.

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 2023-02-23
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of fraud XX/XX/2023 I reported it. The bank expedited me a new card and as soon as I received the card they closed my account and I were unable to activate it and when I called the bank I am getting the same read scriptures on their computer telling me to wait for a letter and 30-60 days for them to mail a check out Im sorry I am a single mother of XXXX and who now is facing an eviction. I need this case escalated the fasted way possible

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 2020-04-07
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is reporting with a third party collector called, Diversified Consultants. I called this agency many times within the last two months, but no answer. I think they are out of business. Then I called XXXX  ( aka XXXX XXXX ) and they too are not answering calls. Both phone numbers I have for them of XXXX and XXXX aren't working. No one answers. This debt is not mine of {$210.00}. I have an active account with XXXX   where I pay monthly, and I don't have any past due balances with them. I am asking that you remove this debt completely from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MD
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:
So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I originally received a phone call stating that my account has been put on hold because of possible fraud activity. The supposedly person on the the phone from USAA stated that a purchase was declined because of suspicious activity. The person on the phone stated that someone in XXXX Florida attempted to buy a 75 inch curved tv. They advised me that they would send a new card out within 3 business days. The following night i started receiving push notifications from my smart phone from the USAA app stating the information on my profile has been changed and updated without my doing or knowledge. I instantly called USAA informing them of what was happening. The USAA representative took notes and walked me through the process of updating my online login information. After my login credentials was updated. I noticed that my information was still being updated without my consent. I called USAA again explaining what was going on. The representative took notes and said that my account was under investigation by the fraud department. Later I noticed that XXXX XXXX dollars ( 000 ) was deposited into my account via mobile deposit, and transferred to a unknown account that was added to my account without my consent. USAA said that after the investigation of the deposit they did not find any fraudulent activity because it looks like I logged in from my account and made the deposit. As I explained over the last few days of events to USAA what was taking place nothing was done to prevent this on their end, USAA has not done anything to assure or protect me as a 8 year member with multiple accounts. Now my account is XXXX plus in the negative when I was just payed today. I am XXXX XXXX XXXX and USAA is my main bank account and bank that has my money. USAA told me today that I am responsible for paying the negative balance and that the fraud case was closed. Even after me explaining as these fraudulent activity was happening due to USAA lack of security and urgency. USAA HAS LET ME DOWN AS A CUSTOMER AND MEMBER. This very situation can effect my credit and ability to provide for my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: DISCOVER BANK
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I contacted this company about fraudulent charges on my Discover credit card back when i first got the credit card. I have n't made a single charge on the card. They told me I 'm not liable for any unauthorized charges on my account. I have called several times since i been back in the USA. I went overseas around the time i reported the charges and i just got back on XXXX/XXXX/16 and I filed a police report and called Discover and gave them my police report number and they said they would remove the charges and send me a new credit card and they still havent did any of that yet and its been 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The investigation came back that the tax lien belonged to me even though the social security numbers are clearly different. I had experian do the same investigation and they fixed it in two days. Equifax took three weeks to tell me it really does belong to me. I want this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: BARCLAYS BANK DELAWARE
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX changed credit card companies from XXXX XXXX to XXXX XXXX XXXX. My XXXX  was used to pay a monthly payment of {$14.00}, which I stopped with the XX/XX/2021 billing date. Barclay stated that the XXXX could no longer be used starting on XX/XX/2021. Barclay shows a charge of {$14.00}, dated XX/XX/2021, which was not authorized or made by the merchant. Payments from this merchant have been transferred to XXXX XXXX XXXX. 
I have spent over 10 hours trying to reach Barclay Customer Service and reach a relationship manager. This has proved impossible. There seems no way of reaching them, and I need assistance to resolve this problem.

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 2016-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.

Company response to consumer: Closed with explanation