BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: United Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They called me and used a false name saying they were from the Civil Litigation Department and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business. 

When I called back and asked what firm they were a part of they did not tell me they just said they were the civil litigation department and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me. 

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is UNITED RECOVERY SOLUTIONS not CIVIL LITIGATION DEPARTMENT. 

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/ ; XXXX XXXX XX/XX/ ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to go online to report misinformation on my credit report to Equifax. There is a collection reporting on my report twice for the same account. I had it disputed and removed last month but it appeared again on my report this month. Trying to dispute it online for the second time it said I was locked out on my account and had to call them. After getting completely frustrated by the automated system I was finally able to get someone on the phone. The representative took all of my sensitive information then asked me 2 impossible questions to answer as there are multiple answers to both. This then got me locked out of my account. Now they expect me to mail more sensitive information to prove who I am because their system and employees can't get into the account. This is a ridiculous practice as they couldn't get me unlocked or back to an online status to be able to file online! Yet I'm expected to give even more information for them to XXXX up me account! These people are allowed to have access to people 's credit reporting?? They can't even help you over the phone or online! Expect you to keep jumping through hoops to prove your identity over questions with impossible answers because there are possible multiple responses!!! Get it wrong and now you are out until you do more!! What good is it to have a call center to help then!? This is UNBELIEVEABLE to me!!!!!! Online it gives you options to choose from but over the phone it's guess the answer and hope you're right or get locked out of your own account until you provide all this paper information and pay for the postage while you're at it?! There has to be some sort of standard because I had the same issue with XXXX and XXXX  yet it was not this difficult to clear up!!! Nor have I had these issues getting into my own file!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date 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 2021-12-20
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have requested a credit increase on multiple cards and never received it. On XXXX XXXX, 2021 I received a letter stating that Ive reached navy federal maximum unsecured limit, which is not true, I reached out to the bank personally and they offered no information as to why, when I could get one or what is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Owed : {$7100.00}.

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 2022-12-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX statement indicated balance of {$250.00} and full balance of {$250.00} was paid XX/XX/2022. New statement was issued with closing date of XX/XX/2022, showing a balance of {$4.00} for interest. I knew I paid card off. When the {$4.00} was not paid, they charged a late fee and more interest. See statement attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: LD Holdings Group, LLC
State: FL
Product: Credit reporting, credit repair services, 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 applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by XXXX. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my XXXX  report as well as my XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XXXX  report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payment was made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with this XXXX XXXX issue since the beginning of XXXX. I received mobile devices and immediately returned them and XXXX XXXX confirmed this. I never opened the devices either. I have constantly received text messages from XXXX XXXX about owing them money. Every time I call them they say they have resolved the issue and they see I never activated the lines, I returned the phones ( because I couldn't port the numbers over from XXXX ), and now as of XX/XX/, I received a collections letter from XXXX ( XXXX XXXX XXXX ) and I contacted them at XXXX, they told me that they needed proof that I returned the phones because XXXX XXXX reported to them that I did not return the phones. I immediately called XXXX XXXX back and was told that I did not have a balance due and they do not show that I have an active account. I gave them all of the information regarding the collection company and also explained that when I log in to my account it still shows I have a balance on an XXXX  mobile account. I have asked for a manager on numerous occasions and I am always told this is resolved. I want this taken off of my credit immediately, I want an explanation of why this was erroneously reported and I also want compensation for this issue as it has caused me a great deal of time and frustration. I called back today and was transferred 4 times and then hung up on. XXXX has never sent me anything in writing at all in the mail. XXXX XXXX has never notified me in writing at all via mail correspondence. They have only sent text messages and I have responded via a phone call or chat to every one of them. No one at XXXX XXXX seems to know what they are doing. I looked at the XXXX XXXX account online today and it shows a report of the return, then it shows a damage charge, Again I NEVER opened the phones, how could they be damaged? I also was NEVER notified. My account which should have not existed was erroneously and wrongfully sent to XXXX XXXX XXXX and they are refusing to accept a dispute at all and want me to supply proof of the return which XXXX fails to provide other than via an email and no one from XXXX XXXX will contact XXXX, they will only transfer me to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
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:
Someone fraudulently charged {$750.00} from XXXX on our card and Citi will not take it off!!!!!!!!!!

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 2024-01-13
Company: I.C. System, Inc.
State: SC
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 not my account! This is the second time in XXXX months that XXXX allows this inaccurate information in my credit report negatively impacting my credit rating.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XX/XX/XXXXAccount number : XXXX - IDENTITY THEFT XX/XX/XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 non-monetary relief
Consumer complaint received 2024-01-14
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not know this company. THIS COMPANY HAS VIOLATED MY PRIVACY RIGHTS. As a private citizen I have rights to life liberty and the pursuit of happiness. This company has no consent to use my private information for personal gain which is unjust enrichment. This is aggravated identity theft, racketeering and extortion. All three companies has 15 days to remove or lawsuit will be filed. This notice will be the default

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 2024-01-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit and only when I disputed with credit bureaus was the dispute honored. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained XXXX responsibility of the debt since day XXXX. This debt collection continues to try and basically extort the balance by holding my credit hostage with negative credit ratings. This item was removed from my credit previously and should be removed and remain off my credit in a disputed status as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on XXXX  and handled by multiple parties.

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Bank of America violated the FCRA by stating " One or more of your deposit accounts with us and/or our affiliates was overdrawn. ''

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 2018-12-06
Company: MARINER FINANCE, LLC
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


MARINER FINANCE , LLC Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$140.00} Date Opened : XX/XX/2017 Balance : {$3100.00} Terms : High Balance : {$2400.00} Limit : Past Due : {$3100.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF 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 2024-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Been going through a tough financial year due to a divorce. I have been able to make monthly payments that satisfy the due amount, but every month I see the late charges increasing. I called the service line to get an explanation on how late fees work, but the rep did not know that information. Asked if I could get a breakdown of the late charge fees ( I had never seen a {$300.00} late charge accrued fee ) but was not able to get a straight reply. The rep explained that Wells Fargo provides a 15-day grace period after a payment is due, then the fees hit ; however, rep was not able to explain systematically how they work. Every time I make a payment, you would think I would be hitting some of those late fees, but every statement they seem to be getting larger. My concern is not so much about the late fees itself, after all ; did not pay on time ; my concern is about the legal grounds of the late fees. It does not seem to be a straightforward charge.

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