BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency Kirschenbaum & Phillips , P.C . Showing XXXX XXXX XXXX has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Brown’s New Credit Bureau Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My medical debt was transferred from XXXX XXXX XXXX to Browns Collection Service in XX/XX/XXXX. In XXXX of XXXX I explained that I did not have the funds to pay in full and could realistically pay {$200.00}. They told me the minimum was {$280.00} and that it was a courtesy they didn't need to offer. I sent 3 payments, only 2 were received. They are now threatening me with a lawsuit if I do not pay in full. During a global pandemic. I do not have the funds to pay {$3600.00}. When I was trying to work out an arrangement, XXXX XXXX was rude the entire time. Told me I was " lucky '' to even be getting a payment arrangement, and that the lawsuit would take care of dealing with me if I couldn't. XXXX has yelled at me numerous times, told me I was poor with money management, alleged that my husband should take care of it if I couldn't, and said my inability to pay was " luxury items '' she told me I had no reason why I couldn't take care of it, didn't ask if I was struggling with employment, or other life events, and said that she was the expert after 20 years of doing this and that my account isn't special. XXXX. Unreasonable torment for someone that's just trying to do the right thing and pay their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified by Email that my Citibank credit card account was closed, not to delinquent payments but due to a random Unauthorized credit check they ran ( Citibank ) and because my score was low, they closed the account.. I know I had missed some other credit card payments last month but I was catching them up, by their own admission my last payment to them in XXXX was good! I had to replace a payment that didnt go thru but I never 30 days delinquent. So needless XXXX say I am very upset. I still owe them a balance of {$720.00} but now I will not get the credit for paying them since they closed my account!! Very unfair!!

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America on XX/XX/2023 sent me an email with my email and other crucial information stating I tried opening an account. Two people are involved in this. My email and my mother, witch are linked in several cases for I am her caregiver in stage XXXX XXXX in the the state of Michigan. I get this email AFTER the news report comes out of Bank of America doing this and the CFPB fining them. Saturday XX/XX/2023 at XXXX. 

I freak out because of my inaccuracies in Florida and other stolen identies. They are impossible to get a hold of. By phone, by fm, by email.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00}

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 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was XXXX for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On a recent trip, I responded to an offer from XXXX XXXX for their card which is apparently offered by something called fnbo ( yeah that's all it says ). I was surprised to be rejected ( it's been decades ) and then started getting credit card and loan offers from XXXX and I assume there will be others. While I don't want the card, I want to record this in case there is a pattern of bad behavior with this outfit. I'm hoping I haven't stepped in a data trap.

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 2023-09-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting 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, Wells Fargo Dealer Services has violated my rights under 15 USC 1681 section 602 which states that I have a right to privacy. 15 USC 1681 section 604A Section 2 it also states ; that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit account under an open consumer and credit plan as late for any purpose

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my 5th endeavor 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 an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXXBalance : {$800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-12
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the fraud that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company XXXX XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

In response I received the statement attached from XXXX XXXX along with details of the sale of this account to XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, I re addressed a copy of my letter sent to XXXX XXXX  and mailed it delivery certification ( see attached ) on XXXX XX/XX/2018. 

I have not received a reply. It is over the 30 days time frame and out of compliance. Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

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 non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my numerous endeavor 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 an 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 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I placed an order for one piece of furniture with walmart.com. I used my XXXX sponsored Capital One credit card. For many years I have a perfect history of payments and have had no issues with unauthorized. Within a minute my order was cancelled. In an email, I was advised that the order was cancelled " because it was flagged by our credit and fraud team. '' No explanation was given, despite my online request for same. Furthermore, a " hold '' for " XXXX business days '' - XXXX weeks- was placed on my card by the " bank '' - obviously Capital One. These XXXX actions were apparently done not by a human person, but by an algorithm, since they were done in seconds, not enough time for a human to read or research or even compose the email message. Despite XXXX and Capital One never ever having contacted me about any issue of fraud throughout the many years of my account, Capital One is illegally suppressing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: CA
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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are XXXX XXXX & XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious 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 2023-11-19
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A vendor told me I could make my payment using Zelle. I assumed the vendor 's email address was their Zelle address, so set that up on Zelle and made the payment. I thought. It turned out that the vendor 's Zelle address was a different email address. But Zelle accepted my payment anyway! Zelle will accept a payment to ANY email address, then try to get the owner of the email address to sign up with them ( see below ). This is extremely poor control. Now I have to chase down the payment and get it cancelled. 



XXXX  You only have 14 days left. 
Enroll to receive {$300.00} from XXXX XXXX " Third pick male for XXXXXXXX XXXX XXXX. '' ENROLL TO RECEIVE To receive your money, enroll using this email address : XXXX Before XX/XX/2023 Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 
For more information, please visit XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX These accounts were reported in my information and are not mine

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 2021-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I was approved for Covid relief forbearance on my mortgage held XXXX XXXX in XX/XX/XXXX. I extended it in 3 month increments until XX/XX/XXXX with no problems. My loan was transferred to a different services in XX/XX/XXXX. It was transferred to XXXX XXXX XXXX. Due to new legislation, FHA, XXXX XXXX, and XXXX XXXX loans were eligible for another 6 month extension. My loan is privately held and not one of those. But even still, under XXXX XXXX, applying for the forbearance was very easy and straightforward. When it came time to extend the forbearance again after XX/XX/XXXX, XXXX XXXX XXXX required proof of unemployment with paperwork that is not available from my states unemployment office. I sent them as many things that I could like bank statements, my unemployment account screenshot, my original unemployment award letter, etc but they said everything was insufficient. They said that I need to submitted a current award letter saying that I am currently getting unemployment benefits in XXXX. Virginia XXXX XXXX did not send a updated award letters to people and they do not answer phone calls or emails so I can not even request one. The legislation on Covid relief explicitly states that no proof is required yet this company is requiring it. I understand that the legislation is only for specific loans but my loan holder has been the same and XXXX XXXX did not require any documentation. It is XXXX XXXX XXXX that is requiring it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Both XXXX and XXXX significantly dropped my credit score without providing reasons for the change. Both websites would not give me an updated report to show the reason for the credit score decrease. TransUnion also did did not change my credit score as well after reporting that a negative collection was removed from my profile. They did not provide me with an updated credit report as well.

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