BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accordance with Fair Credit Reporting act XXXX Account XXXX XXXX and 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 : Its 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 2018-11-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by a female associate from XXXX XXXX XXXX on XX/XX/XXXX. When I answered my phone she said that this is an attempt to collect a debt. The message was that I would be contacted at my residence or place of work if I did not pay now. The message ended with YOU HAVE BEEN NOTIFIED! I was very upset at that harassment talk, hung my phone up and called them back. They transferred me to a supposed Manager and he yelled at me at one point WHAT DID I NOT UNDERSTAND ABOUT THIS! This was during my conversation that I did not remember in XXXX this negligent account. I at that time asked if I could negotiate a settlement but that was adamantly declined. He asked if I worked full time and wanted to know how much I made and so on, and so on. He told me the amount was 900 and some dollars. I received an e-mail from him on XX/XX/2018 stating that I owed over 9100.00. I am very upset. I have his e-mail if needed by your office or anyone else who can help me. I am willing to negotiate but my card may have been compromised ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My credit account with Bank of America was debited amount {$1800.00} toward my business credit card payment on XXXX I called Bank of America on XXXX and asked about this transaction. I was told that Bank has right to withdraw the money. 
I called again on next day to credit card specialist and received the same answer : '' Bank has a right to collect your debt from checking account. '' My concern is that I had never authorized this transaction and had never received any notice from Bank about this action. 
Now Bank put me in dangerous situation : I sent a few checks and I am afraid I may not have enough money to cover it.

Previously I was trying to negotiate with Bank of America my interest rate and  establish the fixed monthly payment. All my offers were denied. 
Please evaluate the situation and help me to solve this problem. Thank you.

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 2023-08-21
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A rep from Discover used a fraudulent card opening and fraudulent charge of {$700.00} to call me. Then he commented on my age ( XXXX ) and told me of a gov program to reduce indebtedness and consolidate credit card balances by using U S Debt Validators. I told him clearly I was NOT interested. I pay my debts on time and far in excess of minimums due. Presumably because of the fraudulent card charge and second card opened he said he needed to transfer me to XXXX. After verifying my identity, XXXX transferred me to another number which was answered XXXX XXXX. There I was told to stop making payments on my XXXX XXXX XXXX XXXX XXXX XXXX  etc and should only pay my XXXX  cards. I said that makes no sense. He kept insisting. I said you put whatever you are directing me to do in writing. I am not doing anything via phone. I believe the three employees of these companies were attempting to put me in the Debt Validators program WITHOUT my wanting or needing to do so. I have excellent credit ( high 700s ). They must get a reward enrollments they obtain. Subsequent to the call from Discover on Friday XX/XX/XXXX, I have received 28 unidentified phone calls from U.S. locations on XX/XX/XXXX and XX/XX/XXXX which I did not answer. My guess is 95 % were in regard to my refusal to continue talking to the 3rd call. Discover said my call was being recorded so one can check to hear how I indicated no interest, Call was XX/XX/XXXX no sure what time but it came from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
About a month ago I got a text message from TrueAccord " A debt collector ''. It stated that my " account '' had been placed with them. 
This text started showing up at least once a day. 
I replied back to please " stop '' as I had no clue what account it was pointing to and it was basically an autogenerated text that they had put me in on the list to recieve. I have never heard of them so this could be fishing or scamming as far as I am concerned. 
After asking replying for no more texts and the reason I am filing this complaint is this... 
XXXX morning my wife, son, his new family and our XXXX XXXX XXXX grand daughter were sharing breakfast and preparing to watch our baby open her gifts. As we gathered my phone went off and I figured it was my XXXX, XXXX, or one of my XXXX. 
It wasn't, it was TrueAccord " A debt collector ''. 
I never asked to recieve text messages, I asked for them to be stopped, and yet my special moment was interrupted by them. 
Now, I am not so concerned about myself as I have more than enough to be grateful for, but for someone who is having troubles in life around the holidays, to be contacted by " A debt collector '' is just wrong and rubbing things in someones face regardless of their monetary situation. 
Please warn these XXXX  or something. No one deserves that level of disrespect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MI
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 numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-04-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fair Collections and Out hired by XXXX XXXX reported we broke our 3 month lease this is false information. We were forced to settle because we can not get a home with this information on credit. The lease was a three month lease and 30 days notice was given as requested by apartment manager I believe they falsified documents changing it to 60 days notice. We paid XXXX extra a month for a three month lease with exact move out given at time of lease signing. All three credit bureaus did not review entire case as the apartment did not report accurately. The apartment never gave us a damages move in checklist this is illegal under Kentucky Tenant Landlord Act The apartment was deplorable

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 2017-11-08
Company: WELLS FARGO & COMPANY
State: WA
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:
We opened an account with Wells Fargo in XXXX when we purchased our home. This was a Purchase Money Second and we have had the account with Wells Fargo for XXXX years. 

This account had a Balloon payment due XXXX XXXX, XXXX and we were notified by Wells Fargo prior and responded to them to refinance the second mortgage. Wells Fargo came to us on XXXX XXXX with an offer to amend/extend the existing Home Equity loan. We agreed to the terms and were told that it would be a quick process. We asked about payments and they said they would n't accept payments while this was being done but not to worry it would be a quick process. 

This process took Wells Fargo over 60 days to complete and in the meantime the placed a 30 day and a 60 day late payment on our credit report. In the 30+ years my wife and I have had credit we have NEVER had a late payment on anything EVER! This took our credit scores from over XXXX to the mid XXXX. Unbelievable. 

We worked with someone in their Home Equity dispute department who told us that their delays internally are not Wells Fargo 's problem that Wells Fargo is required to report those late pays even if it was their internal delays and they would n't accept any payments until Wells Fargo was done on their end. 

We have enough money in our retirement accounts to pay this loan off in full if we knew that Wells Fargo was going to place mortgage late payments on our credit. Now we are stuck because no one will extend credit with those late payments on there and Wells Fargo wo n't admit their wrongdoing. 

Our next step is to hope many people with the same experience respond so we can start a Class Action Lawsuit to resolve this issue. It seems the only way that Wells Fargo responds to or helps out their long customers that they have hurt. Please respond if you are one of their customers experiencing this issue or if you are an attorney that would like to represent this case for us and others. If you are Wells Fargo please do the right thing and fix your internal error that is costing my wife and I thousands of dollars by not being able to obtain proper credit terms.

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 2023-04-11
Company: Amsher Collection Services, 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:
I was doing my regularly credit report check and noticed that there was a strange account from AMSHER COLLECTION SERVICES on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 9 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: SCA Collections, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that proof of the alleged debt, nor therefore any such debt in fact exists.

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 2018-11-10
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
on XX/XX/2018 I was approved for a loan in the amount of {$700.00} every other week {$210.00} came out on XX/XX/18 of our bank account, then XX/XX/18 another {$210.00} came out, XX/XX/18 {$210.00} came out, then XX/XX/18 {$210.00} came out again so that totals {$840.00} on a {$700.00} loan and it says we still have XXXX left, i am the only one working in our household we have XXXX children and we have lost 1 vehicle already & behind on our rent now 1 month thought this would help us a bit but just made it worse for us and these HIGH interest rates are killing me, We can't get help anywhere else we have maxed out our resources and credit isn't good my loan ref # XXXX, we have already suffered with automatic w/d from our account for first day loans resulted in an overdraft on our account PLEASE help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX Equifax XXXX XXXX : XXXX XXXX   XXXX, XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
XX/XX/2018 charge for {$59.00} appeared from XXXX XXXX XXXX XXXX On my American Express card. 
I contacted Amex in XX/XX/XXXX when I reviewed my statements, s/w XXXX @ security and informed an investigation will take place. 
Credit card was replaced, but no update was provided. 
Kept calling billing company at number listed, XXXX no one ever answered. 
XX/XX/2018 called Amex to check on status, told no investigation was done as it was old, I was told I had 2 months to report this discrepancy. 
If that was their policy why was is it never mentioned? When was Amex going to notify me of their decision? Two months went by with no response from Amex. What kind of customer service is this? 
Yet they advertise, you will never be held responsible for unauthorized charges? '' They should be fined for false advertisement, and lying to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 noticed unauthorized inquiries on my report. I believe that someone has stolen my identity and applied for something in my name. 

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 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

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 2023-10-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Synchrony recorded a transaction of {$10.00} on XXXX XX/XX/2023. This account was closed in XXXX, XXXX. I am not happy with opening of closed account without my knowledge and recording transaction. 
Can you please help to take action and prevent Synchrony in recording transactions on closed accounts? 
Kind regards, 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 monetary relief
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.

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 2023-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with XXXX, Equifax and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to correct the following items that were hurting my credit. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please remove the following inaccurate names:
XXXX XXXX,
XXXX XXXX XXXX,
XXXX XXXX,
XXXX XXXX,

also please remove the following inaccurate addresses:
XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX,
XXXX XXXX XXXX XXXX WA XXXX,

please remove the following inaccurate employers:
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 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a savings, checking, and visa card with Capital One. I charged several hundred dollars to the visa and made monthly payments, which included interest- on time. No annual fee, etc. My last payment was in XXXX for {$510.00} which included all interest and was paid on time. My balance showed XXXX. I checked my account on XXXX and it showed a balance of {$5.00}. I called - got someone out of the U.S. and they said it was interest that they had not posted before my last payment. I said I was not going to pay that. I closed my checking and savings accounts. I cut up my visa and mailed it to Capital one with a letter. Now my on line statement shows a late fee and interest on the interest for a total of {$10.00}.

Company response to consumer: Closed with monetary relief