BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, at approx. XXXX I was contacted by someone naming themselves XXXX XXXX XXXX XXXX XXXX  XXXX in California XXXX 

XXXX claimed she was attempting to collect on a debt from a previous account I had in XXXX. She'd stated that the " Statue of limitations '' had expired on the debt that I owed and that because of it they were filing some sort of Federal claim to force me to pay in excess of {$4000.00} by taking my bank accounts and attacking my credit. 

I asked her to show me some sort of verification of debt and she declined. I was already starting to worry as I recently started a small business and was very concerned that my company was in jeopardy. She declined to show me any verification, stating that " we sent you a letter last month, that's all the verification you need. '' After several minutes of threatening my accounts and that " the court is seeking interest on the amount '' I gave her my card details to pay the original balance of {$1100.00}. The paperwork she sent me did not have any contact information for herself as she said it would, the papers in fact listed three separate names. 

After the transaction, I attempted to look up the company 's business license, the lawyer 's listing from the California Bar, and even tried to look up their website. To my knowledge, XXXX XXXX   XXXX is not a real company. Upon further investigation, my payment actually moved through an entity named XXXX XXXX. I have included both the " supporting documents '' that XXXX sent ( which was not a proof of debt like she assured me it would be ). 

After looking into my debts, ( I have been working tirelessly for two years to clear out my credit report ) I realized the debt they were attempting to collect had simply expired due to the statute of limitations ( this is a debt over ten years old ). So, XXXX XXXX XXXX represented by XXXX XXXX, illegally attempted to collect an expired debt, did so without providing any proof of debt, and when asked, threatened me with actions that are also illegal. 

I contacted my bank account roughly thirty minutes after I gave them my card details, and disputed the transaction. I'm in the process of recovering my funds now.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-12-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-03-23
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I own shares of XXXX XXXX ( originally XXXX de XXXX I originally had bought back in 1987 through my XXXX XXXX XXXX account. I have never held personally any stock certificates, as they have always been held in my Brokerage accounts at XXXX ( acquired by XXXX XXXX XXXX XXXX ) . My stock holdings have always been held electronically in my account -- no certificates. Recently, I received a notice that XXXX XXXX was consolidating different classes of stock into a single class. Essentially, this was accomplished by electronically removing one name on my Brokerage statement and inserting the new name -- nothing more. No forms to process, no certificates to cancel and reissue, just electronically remove one name/description and insert the new name/description in my XXXX XXXX account. For this electronic transaction, I was charged two fees of {$2300.00} each or a total fee by Citibank of {$4600.00}!! Those charges threw my account into a debit balance for which I will also be charged an as yet undetermined amount of interest by XXXX XXXX. If you think overdraft or bounced check fees are improper, how about having this outrageous cost to change a name electronically on my statement, a decision I had no choice in making. I want all fees and interest charges refunded into my XXXX XXXXXXXX brokerage  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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: Personal information incorrect

Complaint:
Please look at the attached documents, the personal information you are reporting 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 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX : Earnings Withholding Order for Taxes, Account Number : SR AP XXXX. 

XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX of XXXX Account XXXX. SR AP XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX XXXX XXXX. XXXX XXXX Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( 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 2022-12-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$3900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-29
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Description of Complaint : On XX/XX/2022, I used Zelle, thru my XXXX XXXX Account, to send money to my son. I was in Arizona and he was in Missouri. I had done this many times without problems, using his phone #. Today, however, it failed. I tried a couple more times and it continued to fail.. As my son learned, later, this was due to the fact that his debit card had been compromised and he had a new number and he failed to add the new card to his standalone Zelle app XXXX His current bank, XXXX XXXX XXXX  in XXXX XXXX, XXXX, therefore would not accept the money. On XXXX, I phoned my bank and advised them what was going on. The person I spoke with, a Zelle rep I would assume, told me to use his e-mail address. I told her I did not think he used it anymore. She said " TRY IT ANYWAY. '' I did and she said it went thru, I was good. Of course, it DID NOT work because this was one he had used with a previous bank, XXXX Bank and with a debit card that was no longer any good. His app was with XXXX. HE HAS NEVER RECEIVED THE MONEY. XXXX did an investigation and said everything went thru. Zelle told my son, and sent him a print out, showing all the failed ones, but NO completed transaction. I am so angry that a company can just take your money. there were XXXX FAILED notices for {$400.00} each on XXXX. There were XXXX Failed notices for {$400.00} on XXXX and XXXX for {$450.00} on XXXX. The one in question is Confirmation # XXXX on XXXX for {$400.00}. I was able to send him XXXX and XXXX after he corrected his debit card with XXXX XXXX. We have talked until we have NO talk left. There seems to be no one that has any idea where this money is. Is that how ZELLE stay in business? My phone # is XXXX. XXXX ' is XXXX. XXXX choose not to send bank account info thru this email. Thank you for looking into this problem and helping me/us with a resolution. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-10-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I had {$170000.00} coming from XXXX XXXX in XXXX  XXXX  and it came the bank held it for an unreasonable amount of time. I have been trying g for 2 months to get the money into my account and now I have called upon my state representative and my congressman to help and they have been stone walled as well. I just want my money that is legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist is our mortage company. We do not know where they are located. We only know them are at XXXX XXXX. 
The customer phone number is XXXX XXXX XXXX. 

Since XXXX and XX/XX/2022, we do not receive our statement to pay our mortgage. 

We currently have 2 loans with them and both are having issues. We have a difficult time to get a hold of them. Most of the calls are wait time of 30 minutes or gets hung up.

Without the statements, we will forget to pay as we are seniors. 

We think the bank is doing a dis service to us. Right now we have to live in fear to check our statement every month to make sure we get it so we can remember to pay it. 

Please investigate.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-08
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the debt collector Capio Partners to find out why they reported a collection account on my credit. I was advised that the debt belonged to XXXX XXXX as a patient and the debt is from XXXX. This is not my debt and they have not sent any written notice to advise of the situation, but reported the debt as of XXXX XXXX XXXX I advised the debt collector and they hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: IN
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:
I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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 2019-08-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Funding/ XXXX XXXX XXXX XXXX was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
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:
I spent the whole afternoon ( XX/XX/XXXX ) with Experian trying numerous ways to unfreeze my credit so that I could make an application for a mortgage. 

Over the last several day I was unable to unfreeze my credit with XXXX  and XXXX  with minimum of difficulty compared Experian. My bank is requiring credit report corroboration from all three agencies for my application. 

Experian have no access to a 'human ' and I eventually found a number after searching XXXX Reviews for several hours 'how do I reach a human at Experian? ' at XXXX, after numerous failed attempts at trying to unfreeze my account on-line. All accessible and XXXX type accessible phone numbers for Experian gave menus that did never lead to a human and abruptly ended with 'Goodbye '. 

Experian absolutely refused to resolve my request to unfreeze my credit by phone and also claimed that I had been sent a PIN by mail that I never received. My problem is that I have recently moved to XXXX   and I am staying with a friend and do not have a utility bill or a bank statement to this address in the US. 

Since Experian is refusing to unfreeze my credit report I left in a situation that I am unable to get a mortgage pre-qualification letter to buy a home. Of course my XXXX address and records since XX/XX/XXXX don't count and I sold my apartment in XXXX  XX/XX/XXXX. 

It is absolutely incredible that Experian would HIJACK my credit report and ability to negotiate a mortgage and not even provide access to communicate with a human, an email address for customers or a Fax number or street address to securely send documents just a PO Box ( Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX, physical address on the web is not given and apparently the company is headquartered in XXXX XXXX ).

The ability to selectively and temporarily reverse my credit freeze is of the utmost importance for my protection of my financial identity and credit and I actioned this when I understood that I was a victim of the XXXX  hack. What is inappropriate is that there should be such disparity of consumer service of Experian compared to XXXX  and XXXX. This is the substance of this complaint and I request CFPB in breaking the hijacking of my financial identity by Experian. 

Thank You and So Very Respectfully,

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 the creditor " XXXX XXXX XXXX '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment 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 non-monetary relief