BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Reached out to Credit reporting agency and companies, and having able to get any assistance in getting the account removed.

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 2023-07-10
Company: FIRST PORTFOLIO SERVICING INC
State: TX
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 called the credit card company Total Visa in XXXX. It gave me a pay off amount of {$300.00}. I paid the amount to pay the card off in full. 
I did not receive a statement for XXXX. Then I get an Email saying it's over due & I owe almost {$100.00}. I call they tell me that I owed {$19.00} for the month of XXXX & it was due XX/XX/XXXX. But how can that be when I paid the pay off amount due in XXXX before the Cut off. And how dies {$19.00} turn into almost {$100.00} in a matter of days & I haven't gotten a bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust put a hold on my account to investigate and close it without notifying me. I have over 1k in the account that i cant access and use to pay my rent or buy food. I have been on hold with different people for hours to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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 an 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.

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 2021-10-10
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had 16 unauthorized charges from XXXX  post to my CashApp card on XX/XX/21 from XXXX XXXX  to XXXX XXXX  totaling {$2200.00}. There were 9 charges for {$100.00}, there were 5 charges for {$210.00}, there was 1 charge for {$85.00} and the last charge was {$150.00}, completely wiping every last XXXX from my account. I contacted CashApp immediately because these were unauthorized and still showing in pending. They were charged to XXXX  in XXXX, MA XXXX miles from me in XXXX, VA while I was sound asleep. CashApp said to contact merchant, and that I had to wait until these charges posted to my account as cleared and paid before I could dispute them. I asked for contact information to contact whomever the charge was and they gave me XXXX XXXX, even though it says " XXXX  ''. I said " wasn't that proof it isn't valid, if the company, and phone number and website are all 3 different and there were multiple rapid identical ammounts charged within 6 minutes, didn't all of that SCREAM FRAUD??? '' I asked for contact and account info for where the money was going and they said they could not provide that info to me, that it was against privacy laws. Wait, what? But if its a legit account with Target that info should be public, right? I called the Target in XXXX, MA, where the charges appeared to from in pending and they are already aware of the problem because they've been getting these calls for the last 2 to 3 weeks!!!!!! But nope, they won't issue a statement that they are not holding these funds, and nope they can not provide me with any information about how my card number was compromised on their website. I do not have a XXXX  credit card or exclusive member account, but I did buy a xmas tree on XXXX on XX/XX/XXXX and a XXXX XXXX tree the same XXXX  website on XX/XX/XXXX. XXXX  store manager in XXXX, MA, XXXX, AND the corporate office at the number she gave me to call both acknowledged to me that they know their site has been hacked and that they'dbeen getting these calls for several weeks. They stated they were positive it was a breaxh with CashApp and recommended I delete my CashApp app immediately and stop using it! 
Meanwhile, CashApp obviously knows they've been hacked too since this is an repeat of multipleaccounts over several weeks. 
Neither company will take responsibility and stop the funds tranafer or release the hold. They both should be held accountable legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within the Transunion report . This  denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2017-04-03
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I lived in Apartment XXXX for 2 years ... when my contract ended, I decided to move in apartment XXXX ... I paid all my dues to move in. After two weeks, I was a victim of XXXX. I could never get in touch with the manager so, I spoke to his secretary to find out what I needed to do to exit my lease because it was an unsafe place for me and my children. The secretary at the time was XXXX.. she called me back and said because I have n't live there long, I only had to pay XXXX . I paid the moneies. 3 months later after I left, the manager FINALY called me and told me I had to pay 2 more months of rent ... I explained to him that I was n't told that ... I asked if I could arrange a payment plan and he told me I could n't do it with him. He also told me I had to wait til the collection company contacted me! I asked why when I 'm trying to work out a plan with him! After he hung up, I tried calling him for TWO months to work out a payment arrangement. I found out later that they rented the property out to someone else. How can they rent it out and I 'm STILL liable for the payment! I ended up settling with the collection agency for XXXX $ but now I want my money back AND for the negative info to be deleted off my credit report! They would n't even give me a chance to pay it! I had to leave the city because of the XXXX situation so, phone was my only way of contact with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was told that I had to open XXXX accounts, and that the automatic transfers between accounts would insure that fees were waived. Instead I was charged dozens of fees. If the banker had opened only XXXX account, as I had asked, there would have been no charges. The fees totaled $ over {$400.00}. When I asked for the fees to be reversed, they reversed only {$62.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09
Company: Pacific Union Financial, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off the mortgage by refinancing on the XXXX of the month. I should get credit for the interest from the XXXX to the end of the month as well as the additional month of interest paid. The mortgage company also charged me 2 months of mortgage insurance in addition to the current month. I called the mortgage company to ask for the refund and they asked me to send them in writing. I sent a certified letter asking for the refund or send me an explanation of their calculation and they did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped from XXXX to XXXX with Transunion ( 62 points ) and XXXX to XXXX with XXXX  ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both Transunion and XXXX  for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.

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 2023-04-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, TransUnion, XXXX and XXXX have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning 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 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Todays date : XX/XX/XXXX Dear To Whom It May Concern : TransUnion XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL 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 2023-10-14
Company: DISCOVER BANK
State: FL
Product: Credit 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:
The dispute involved, but I think it was a scam regarding security software for PC and ratings of such software with a link to buy. I tried purchasing one of the recommendations and paid for the transaction, but would never received download. I thought it was just a glitch in this in their software, so I tried the second company they rated that they raided in the same thing happened and then the same thing happening able to third you wouldve thought I wouldve got caught on after two, but I was stupid enough to go for three because the third one was a big name company, I disputed all three charges. The issue is the person that I had to speak with totally non-technical. Do nothing about the computers wouldnt know how to validate what are the services in provided or not and in their lifetime will required somebody from your IT department, actually look at XXXX XXXX remotely and prove that I never downloaded the software what is software was never downloaded by by the vendor, hi I made my arguments and they said they ignored them. Turn down my dispute wouldnt provide the proof that the customer provided in order to arrive at their decision and I know because Im with him Im a 45 year veteran of the IT industry that Im on right and theyre wrong and theyre wrong because theyre so non-technical then they still non-caring and have no real escalation process that works, so Im about to drop Discover card and go with a different card company hoping that your dispute process is better. Im gon na go XXXX it with XXXX XXXX where I have a financial interest ready for a card with XXXX XXXX XXXX  but I understand there is broken. is Discover or even worse so I think its a systemic problem with these companies card companies they need to be fixed if consumers are going to be protected because were not I thought your dispute process was good because they they they they honored by disputes in the past, but this time it was pathetic who I was handle, and so on customer focused

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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 didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Lincoln Educational Services Corporation
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to Lincoln Tech in XXXX, GA in XX/XX/XXXX and I received Financial Aid. I graduated from the school, then a few years later I received a letter saying that I owe the school, but I don't!! I NEVER signed any loans to pay for the tuition, it was all done by Financial Aid. My very first loan was with University XXXX XXXX in XX/XX/XXXX, not Lincoln Tech. Lincoln Tech could not provide any proof that I owe the loan. In XX/XX/XXXX, my wages were garnished by some unknown collection agency called XXXX XXXX XXXX in XXXX, MI on XXXX XXXX XXXX XXXX XXXX. and their XXXX number is # XXXX. I contacted this company to ask them to provide proof that I owe this fraudulent loan, but they couldn't provide anything! The lawyer ( XXXX Something ) even asked me if I attended Lincoln Tech and I told him I did and I graduated but I did NOT fill out a loan. The judge still garnished my wages even though this " lawyer '' and the school showed no proof. This " lawyer '' has taken {$5000.00} from me already without proof that I owe anything. This fake " loan '' is not even on my credit report. On the national loan website ( NSLDS.GOV ), this grant is described as a grant- NOT A LOAN. Please research this and investigate this manner. I've been calling US Department of Education and even they could not locate this fake " loan ''. Lincoln Tech was NO help, because they have no proof.

Company response to consumer: Closed with explanation