BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to XXXX I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: LDF Holdings, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was charged and I'll be charged again on XX/XX/XXXX. My loan amount has not gone down in the slightest. They will continue charging me over {$200.00} in interest every other week twenty times even though my loan was only {$750.00}. This is a horrendous scam and takes advantage of people in need. 
Mitigcapitol is a scam that doesn't put their fees in the fine print or even tell you about them. I didn't give them any permission to take any direct deposit from my account. They just took money straight from my account. The agreement never said that they would be able to just take money out of my account and have access to my bank. I've read over everything. They're trying to charge over {$200.00} interest for 20 payments plus the payments amount of over {$200.00} for every payment as well. That's extraordinarily well over the amount that was loaned. I was loaned about {$750.00}. I'll end up paying 20 times $ XXXX. This was all hidden and never disclosed to me in the agreement. They're now taking money directly from my account.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-18
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. 

On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. 
On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY 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 2023-03-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Open a secured card in XXXX {$1000.00} reported fraudulent use of card to the bank also made an incident report with the first precinct in XXXX called Wells Fargo fraudulent department they said they were going to do a full investigation so they are moving forward monitoring my credit every year since XXXX its a present I have been tormented by Wells Fargo fraudulent department for not doing their job properly then the XXXX made another complain they sent me a check in XX/XX/XXXX of XXXX for {$150.00}. XXXX Im looking for my XXXX dollars back I even thought about suing for mental stress and ruining my credit.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
As mentioned my house burned in XXXX and contacted my lenders. 

XXXX filed to update my address, this change was done 2-3 times, prevent me from receiving statements ( per law ). 

I have requested arbitration and looks like XXXX is pushing back. 

This company only spoke about hardship programs but was unable to apply one when on need. 

They check marked me 150 days late, when multiple calls were made to correct billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Denefits LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Subject : DENEFITS LLC Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by XXXX and XXXX. XXXX indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both XXXX and XXXX have discrepancies in the reported account open date. XXXX and XXXX state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by XXXX and XXXX. XXXX states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, XXXX reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by XXXX and XXXX. XXXX reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, XXXX XXXX XXXX, and Section XXXX, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have excellent credit and every time I apply for the Apple Card by XXXX XXXX they require my identity. I upload my identity clearly with information matching. Within 1-5 days depending upon the 30 days that I wait they decide to decline because they cant get verification of information as per their decision. I ask if I can fax or mail they advised me that they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Happy Money, Inc.
State: DC
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: Problem with personal statement of dispute

Complaint:
The lender named Payoff Inc. under Happy Money has erroneously and falsely reported a negative month into my credit file with XXXX, and XXXX. They have told me that they only report when an account is 30 days delinquent. My monthly and semi-monthly payments towards my account with them have never been beyond 30 days late. To no avail, I have reached out to them electronically and via mail. They have defiantly 'Dug-In ' and remain defiant to the facts, facts that will show that none of my payments have been 30 days delinquent. I can even show where they removed one month where they had me as past due only to move that past due status into a month where payments clearly reflect that there was never a 30 day delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX from XXXX, Florida has been harassing me with various threats from the destruction of my credit report to lawsuits and jail for a debt I don't owe this has been going on for nearly a year if I don't answer they leave threatening voicemails the last abusive call from them was today XX/XX/2018 at XXXX XXXX  central time I am physically exhausted from them an scared.They need to be investigated by the F.B.I this is outrageous!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
I have written numerous complaints about the problems on my credit report on my " Capital One '' account for throughout the year, 2019. 

Both, Capital One and XXXX have responded e incorrectly in saying that a Charge-off and a Write-off is the same thing, but that is not the truth. According to the law the following is true about the difference. 

A charge-off and a write-off sound a lot alike, but they are two very different things. 
Charge-Off. 

The term charge-off equates to when a credit card account reaches 180 days past due. At that point, the credit card company is required to reclassify the account for accounting purposes. Specifically, from a performing asset to a non-performing asset for the bank. 

However, even though a credit card account has been reclassified as a charged off account, the credit card company still reserves the right to pursue collection of the outstanding balance.When a person hears the term charge-off, they often mistakenly think that theyre in the clear and that their debt will be forgiven. Not so. If only it were that easy. As mentioned above, a charge-off is simply a reclassification of the debt, and unfortunately you still owe the money even if the account has charged off. 

Credit card companies handle charged off accounts in a variety of ways : Sometimes the credit card company continues on with their own in-house collection efforts on the charged off account. 

Sometimes they outsource the charged off account to a collection agency, but the credit card company still retains ownership of the account.

Sometimes the credit card company sells the charged off account to a debt purchaser. Just like mortgages are bought and sold all the time, so are credit card accounts.

Write-Off A write-off on the other hand is when a creditor forgives a portion of the balance that is legitimately owed. For example, if you owe {$15000.00} and a creditor agrees to settle the account for {$0.00} on the dollar, they write off {$7500.00}.

Debt Collectors And Charge-Off When an account charges off, the credit card company will place a derogatory mark on your credit report as a way of penalizing you for not paying as agreed. This is standard procedure.

When attempting to collect an outstanding debt prior to the charge-off point ( i.e. 180 days ) debt collectors often make a big deal about the ramifications of having a  charge-off appear on your credit report. They often try to create the impression that youll be ruined financially if a charge-off shows up on your credit report. 

In summary, now you know that charge-off is merely a *reclassification* of the debt that signifies that an account is at least 180 days past due. According to the Law firm of XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit card was turned over to collections when I was assured by a Bank of America representative that it would not be. 
I called Bank of America 's ( BOA ) credit card department on XX/XX/21. I called to inform the company that I would not be able to make a payment by the end of the month. I also wanted to know if my account would be turned over to a collection agency and reported to the credit bureaus. I informed the agent that I would not be able to pay until XX/XX/21. He assured me that my account would be fine and that my account would NOT be turned over to a collection agency and NOT be reported to the credit bureaus. This was not true and my account was turned over to a collection agency ... I called BOA again on XXXX and spoke with a XXXX XXXX. I informed him of what had happened and he told me that he would pull the recorded call from my previous conversation on XX/XX/21, to verify what I was telling him. He never called me back. On XX/XX/21 I called in again and this time I spoke with XXXX XXXX. He verified that the recorded call had been listened to on XX/XX/21. He also verified that the call validated EVERYTHING that I had told them about the initial XX/XX/21 call. He informed me that he was going to contact his compliance department to have my account removed from the collection agency and credit bureaus. XXXX called me back on XX/XX/21 and told me that their compliance department refused to correct this mistake, even though they verified that I was given wrong/false information by their employee.

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: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately

Company response to consumer: Closed with non-monetary relief