BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE TRIED TO HAVE MY PERSONAL INFORMATION UPDATED SEVERAL TIMES.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for credit at several places and was denied due to a security alert I never placed on my credit reports/bureaus. Now I have hard inquiries on my report that I feel should not be there since I never authorized such security alerts etc. My most recent denial was with XXXX XXXX store, spoke to them and they advised they couldnt verify because of security alert.

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 2018-05-01
Company: DISCOVER BANK
State: WI
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 been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX  changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a  unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred to NewRez LLC. Twice in the 6 months they have been servicing my mortgage they have taken unauthorized disbursements from my esrow account to make payments that are unnecessary and unauthorized. The most recent one occurred on XX/XX/2021. As of this moment they have not reversed the charge and my escrow account is missing {$2200.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$230.00} Open balance XXXX XXXX Original creditor

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 2021-12-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, 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:
Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : 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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am in need of help because i am being harassed by a debt collector ( XXXX XXXX XXXX ) who has repeatedly calling me after i told them that it was inconvenient time to call me sadly they didn't stop there.. They repeatedly called after i told them to stop! I have recorded calls. I was totally uncomfortable and emotionally stressed!

I DID SOME RESEARCH AND FOUND THIS LAW ; 15 USC 1692 WHICH IS THE FDCPA AND IS IN SECTION 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be an inconvenient to to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o clock antemeridian and before 9 o clock postmeridian, local time at the consumers location ) which means that if i told them that it is not a good time they should know that it really was inconvenient and they proceeded to do it anyway! 

They also violated me again under the FDCPA

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 2021-07-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
before the pandemic i stared i got a contract with XXXX XXXX on XX/XX/2020, but 2 month after covid stared and i stared having a lot of financial problems cause my income went lower, i call them to ask them to please stop the payments explaining the situation, the also opened an credit account and instead of they stop with the payment even i make a few of the payments the increased from {$500.00} to almost {$800.00} dollars, they send me to collection from the same company and i called them to ask them to stop cause im not willing to take vacations for now, I'm a healthcare worker and this is not the right time to be taking any type of vacations cause we don't know when this is going to stop. i called the credit card collectors and i ask them to stop calling me and to removed the balance cause i never used the services of XXXX XXXX the only thing i did was paid and looses money. The collector continues calling me at least every 5 minutes in the entire day i have blocked many numbers but they call and call. i dont want to deal with them and i don't want their services cause they are very desconsiderates this is a pandemic they should do exceptions with the clients if is that they really want the people to go and uses their resorts, this is the worse experience ever. i don't want them to keep calling me.

thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to be removed immediately.

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 2021-07-19
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). 

My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. 

On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. 

On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. 

To this date, the funds have not been returned to my account by US Bank. 

Any assistance would be greatly appreciated.

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 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I gave my credit card number to a moving company for a deposit for a move. When I was alerted that the charge had come through it was for a different amount and the company name was different than who I gave my card number to. I called the moving company immediately to question why this charge was coming through under a different name. The answer that they gave me was fishy so I asked for a refund and to cancel the move reservation, they refused. I called Capital One immediately and disputed the charge as well as cancelling the card I had given to the moving company. The moving company responded to the dispute with fraudulent documents claiming that I had e-signed and therefore agreed to a cancellation policy. I sent numerous documents proving that I had never received the fabricated documents. I also sent proof that the IP address as " proof of e-signature '' was not my IP address. Capital One would not resolve this dispute saying that " they were not able to review the evidence under Mastercard guidelines ''. I was told by a Capital One representative that the moving company knew these guidelines and therefore submitted fraudulent documents knowing that Capital one would not review any evidence that I provided. I was told by a dispute representative that '' if you give your cc number over the phone you are not protected and are essentially consenting to any and all charges that a company may charge '' This is absolutely sickening, what if this company had charged XXXX and then submitted fraudulent documents backing it up? Capital One would do nothing? I feel that Capital One is complicit in these scams by merchants. Shame on them ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2021-07-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received notification through XXXX XXXX that there was a collection amount of {$990.00} owed to a collection agency, MBA Law. I also received a letter in the mail from MBA Law stating the collection amount but no information provided as to where this came from. 

The original creditor name was XXXX XXXX, a hospital I have never been to and is only affiliated with two hospitals in the state of Ohio, the city of XXXX and the city of XXXX ( all other locations are not in Ohio ). I live in XXXX, Ohio and both of these hospitals are much further than my local XXXX hospital ( where I always go to if need be ). I have not been to the hospital at all this year and with COVID going on I chose to visit my local urgent cares if I had to. Since I do not have health insurance I paid upfront for every visit at a local urgent care. 

Since this has been turned over to MBA Law my credit score has decreased significantly over this. I have had a credit score of XXXX and above on XXXX, XXXX  and XXXX since I have established credit. 

Again, I have not been to a hospital at all this year and I am completely baffled how I have a hospital bill from XX/XX/21.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
WE disputed a transaction, we received the item XXXX but it had missing parts, We told the company and they responded by saying we received the time, but we contacted PayPal, we told them we sent the item back. 
They refunded the money then later sent a letter in the mail saying we need to contact our credit card company. Paypal is under synchrony bank. That is who we pay each money. Below you will see the charge, They credit our account and took the money back. The company has their product we provided documentation that the item was sent back to the company. Synchrony bank refuse to give us our money back About XXXX We received notice that you disputed the following transaction with your financial institution or credit card company. 
Case ID XXXX Transaction Amount {$48.00} USD Dispute Amount {$48.00} USD Transaction ID XXXX Transaction Date XX/XX/2021 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 2021-07-30
Company: Experian Information Solutions Inc.
State: MO
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:
My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately.

1. XXXX XXXX XXXX {$170.00} 2. XXXX XXXX XXXX {$170.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXXd {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}

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 explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: MO
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:
My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately. 

1. Acct XXXX XXXX {$170.00} 2. Acct. XXXX XXXX {$170.00} 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXX {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX  {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Netspend Corporation
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a XXXX. I received a message from my bank saying that there was a problem with my account and to please call XXXX ( Netspend ). I did this, but when I was ran through the phone matrix and type in my account number, they said that a card with that number did not exist, and immediately tried to login to my online access. My password and code did not work. Ive tried to call these folks several times, and they always drop my calls. I've talked to countless people and they are railroading me. It's as if I do not have an account. My email, my social security number are not on file, and they have wiped my account clean. I'm not sure if someone hacked my account stole my money, and changed all the information, but the banks customer service is not helping resolve the situation. I really need someone's help, there is no way I'm the only one having this issue. It feels like a foreign criminal organization is up too something. Please help. This bank stole all my money XXXX. This specific transaction, was electronic transfer from my bank to another bank ( both banks are owned by the same company ). I do not have a specific time but on XX/XX/XXXX a transaction was made in the amount of XXXX to a account ending in XXXX ( this information was given to me from customer service ). This transfer was not me but was all my money. I keep calling customer service and they either hang up, or they just run me around. They keep saying they are sending me a link to change my password but it never shows up. I've verified all my information with their representatives but the email never shows. The automated call matrix doesn't recognize my account number or social security number, the customer service acts like they are verifying my information but it's like they are not really sending me an email. Something is not right, I'm confused as to what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-04
Company: Affirm Holdings, Inc
State: TX
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 opened a loan with Affirm for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.

Company response to consumer: Closed with explanation