BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I don't know who you're but I know you're collection agency NCA. I know once you purchase a debt from the original creditor that the debt is PAID OFF. Can you please send me a signed contract with my signature that we have together I would love that and my attorney would also.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I have written you several times and still nothing. I wrote you on XX/XX/2021 now I am filing an compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Twice before I missed the payment because the bill arrived in my mailbox the day the payment needed to be sent to allow for online 2-3 day delay. This happened again today XX/XX/2023. The bill is due on XX/XX/2023. The bill is postmarked XX/XX/2023. So they actually put the bill in the mail one week before it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this with Experian for accuracy XX/XX/2020 and they added a past due amount and balance due rather than removing it. This account was included in a bankruptcy that the joint account owner filed for. My credit union who this loan was though ( XXXX XXXX XXXX ) said there will be no balance reported since this is being covered by the bankruptcy trustee and should show no past due amount. Experian will not let me dispute this anymore and will not correct this even though the other two credit bureaus have the correct information on the same loan.

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 2019-04-29
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have repeatedly for over a month asked for validation and verification about an item on my credit report. I have sent items via email, fax and online disputes and information over mail. I still have not received any type of confirmation. I want this item to be removed from credit report. I do not have a written signature to pay any amount of money to LVNV Funding. i did not physically sign anything stating i have to pay them any amount. A credit card bill from ANOTHER company is not sufficient evidence of verification or validation for a 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 I sent a letter to Experian requesting that all inaccurate information pertaining to names, addresses, phone numbers, date of births, social security numbers and all ( alleged ) employers be permanently deleted from 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct the status of these accounts : XXXX XXXX XXXXXXXX Balance {$220000.00}, XXXX XXXX  XXXX Balance {$720000.00}

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 2023-02-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Wednesday XX/XX/XXXX I went into a Wells Fargo on XXXX XXXX XXXX and asked a teller to check my eligibility for the reimbursement. I was promptly turned away without her even checking even though out of billions of clients Im sure a few slip through the cracks. Ive had an account since 2012 or something like that so Im positive Im eligible.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof Verify these unverified accounts : XXXX XXXX Balance Owed : {$76.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00}

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 2021-11-05
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm a BBVA ( now PNC ) customer. My company ( about $ XXXX/yr ) was already at PNC so I thought this transition would acutally be helpful, having it all under 1 roof. I recieved information & instructions about the transistion and all looked good. I received a new ATM card that I was told to activate. Little did I know that my old ( BBVA ) card would be cancelled at that point. The new card didn't work citing 'chip malfunction ' in the store. I tried to go online and was ( as expected ) redirected to PNC. The old credentials didn't work as they said it would so I had n access to any of my accounts ( checking + savings ). Called customer service which went to a call center ( sounded like XXXX ) and was hung up on after 14 minutes listening to elevator music. Looked for a local branch to visit in person, found one nearby ( XXXX AZ ) which turned out to be a solution center, so I thought yay. The banker (? ) told me he would fix it. Got a new ATM card right there, checked it right away in the ATM there and seemed to work. Online access got fixed too but the phone App did not. Alas, at least I would access my account and use my card, after 2 weeks. He wrote my account number on his businsess card so I would modify all my bill pay, including my accountant for my paycheck. 
Also I noticed I got overdrafted because I had no access to my accounts ( saving had $ XXXX in ). 
WAs unable to link new ATM card to XXXX XXXX, said I need to call customer service. I gave up on that one. Quickly moved {$260.00} or so to undo the overdraft. Few days latwer I checked there was still {$0.00} overdraft. I couldn't fix this because the minimum transfer is {$0.00}. 
Noticed 1 day after payday that my paycheck wasn't there. Came to realize that the account number that the banker gave my was a completely different number from what I could see online. Fortunately paycheck bounced and didn't go to a strangers account. Had to move more $ out of savings to be able to pay bills on time. 
Went back to the XXXX XXXX ', got a cashiers check for my savings acount ( $ XXXX ) and deposited it at a new local bank, at least that worked, yay Fortunately I downloaded most bank statements ( from BBVA ) as PDFs ( except XXXX ) so at least I have most history, because that got lost too. 
I've work in XXXX and this is by far the most incompentent bank I've ever dealt with. Whatever I've written isn't embellished in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
PLEASE REMOVE THE FOLLOWING ACCOUNTS INCLUDED IN THIS REPORT BECAUSE IT VIOLATES MYCHARACTER AS A CONSUMER ACCORDING TO 15 US 1681B PLEASE REMOVE ASAP

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 2021-06-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX XXXX XXXX {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT XXXX CONCERN XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM THIS item listed ABOVE still remain on in YOUR OFFICE in violation of Federal Law. You are required under OHIO XXXXAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my Wells Fargo SECURED credit card in the amount of {$5000.00} on XX/XX/2021, posted on XX/XX/2021 from my XXXX XXXX XXXX account. 
The payment was taken from my account in XXXX on XX/XX/2021. Then showed as posted on my XXXX account on XX/XX/2021 I have paid {$17000.00} in 6 payments to this Wells Fargo Credit Card since XX/XX/2021 using the same linked account. Now, with a {$5000.00} payment to pay the card in full, Wells has put a hold on my payment for 4 business days even after having taken the money from my account and having had a valid history with the same linked checking account from XXXX, used in 6 previous transactions over the last 5 months with NO returns. They are using my fund to secure interest and not paying me or letting me use the funds on the credit card.

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 2019-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried on several attempts to have Bank of America turn off automatic payments withdrawals on an account. This was set up online and they have revoked my online access so I can not turn it off manually. When I call, I get the run-around. I just tried again and was sent to seven different representatives, who would not resolve, or said they didn't have access to resolve this issue. The last person I spoke with, XXXX XXXX, took an abrasive attitude and started strong-arm tactics regarding collecting the debt on the loan. I told him I would be more than happy to discuss the status of the loan once I was assured the automatic withdrawals feature had been turned off. He continued to harass me about the balance of the loan and refused to answer if the automatic feature would be turned off. I asked to speak with a supervisor to which he told me she was on another call and refused to tell me her name. I pointed out to him I was happy the call was being recorded by Bank of America to which he started insisting that I had no right to record the call. I told him, it was Bank of America who initiated the recorded call and because they had, I had just as much right to record the call. He continued to be abrasive and refuse to help me with turning off the automatic withdrawal from my bank account and kept interupting me, even after asking me a question. I told him all I was trying to do was deal with Bank of America in good faith, yet he continued to interupt and use harrasing tone and language instead of addressing this concern.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-06-30
Company: EQUIFAX, INC.
State: WY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

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 2022-10-26
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies LVNV FUNDING LLC Account XXXX 15 U.S.C 168 s-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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been living in the same house for more than 5 years. this collection is from a condominium I have never lived in before. my credit has many positive on-time paid accounts so this collection from XXXX XXXX XXXX / XXXX  XXXX XXXX is really affecting me. I am trying to get a new car and also apply for other things and this has been affecting me majorly. please remove this inaccurate account from my credit report and update it. I have contacted all three bureaus to let them know about this devastating situation. thank you for your time.

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