BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was the original lender. I currently have a new credit card with them now too. I paid the amount previously owed on a credit card I use to have with them. 
The 3rd Party Collection Agency Midland Security took over the loan. I called them over the course of a year, after they placed the collections back on my account, when XXXX XXXX removed it. 
I finally called XXXX XXXX to verify everything, and they confirmed it was in fact taken care of, and reached out to the 3rd Party Collection Agency Midlands to clear this matter up. Its now been removed from two collections agencies with the exception of XXXX, and my score is significantly lower only on this one credit report because of this collection. I want and need this removed, as it has been paid, and has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call today from someone stating they worked for Portfolio Recovery and were calling about an alleged debt with XXXX XXXX. I currently have two credit card accounts with XXXX XXXX that have a perfect payment history and a former car loan that also had a perfect payment history. I do not know if the person was an imposter or real, but either way, I do not acknowledge the alleged debt as legitimate ; I wish for Portfolio Recovery to cease and desist all collection attempts, and I will sue if there are any negative items that appear on my credit report from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 2023-12-03
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Godfather before he passed away told me that I would be beneficiary of a banking product outside his XXXX. 
He died of a XXXX XXXX and he couldn't give me any documents where I appear as a beneficiary. 
I contacted with his Financial Advisor and he told me that the bank could'nt give me any information because I am not a signer or owner of an account. 
But I told him that I am beneficiary of a banking product outside the XXXX and the XXXX XXXX requested me for the XXXX document. 
My attorney reclaimed in many times to the bank and finally the bank sent a letter where says that there are still XXXX accounts in my Godfather 's name ( after the XXXX ). 
My attorney called to the central of this bank and someone confirmed to her that my Godfather is in the bank with the same S.S.N. but with two different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
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 accounts 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 accounts : XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please remove these accounts 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 2023-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo bank closed my account without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them.

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 2023-12-16
Company: CCS Financial Services, Inc.
State: FL
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 information was given to a third party collection without my consent my rights as a federally protected consumer was violated because of this I tried to get in contact with the company as of XXXX I havent gotten Response yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
Residence was destroyed & vandalized by squatters. Furthermore the insurance company has not repaired damages. I have requested assistance and repairing residence out of pocket. I have applied for loan modification However the Seleene finance the mortgage service provider has not processing the claim in a timely fashion. Moreover, the loan modification was accepted by XXXX XXXX. Conrqently, the loan was purchased by Seelene Finance which has not accept the modification from XXXX XXXX. Now Seelene Finance stated forcloser proceedings. Please kindly investigate the loan modification being done by Seleene Finance this appears to be Racketeering and predetory lending that am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this XXXX XXXX  account XXXX is reporting on my credit file as oweing debt in the amount of {$1500.00}. 

i previously disputed this account for fraudulent activity, this debt does not belong to me i have not signed any contracts with XXXX XXXX inorder to accure this debt. 

when i previosuly disputed this account i have not gotten any proof or validaton that this debt belongs to me .i have not been provided any documents or anything validating that i opended this account, i did not authorize txu energy to furnish this account in my name to start accuring charges that are now delinquint. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: GOLDMAN SACHS BANK USA
State: LA
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:
XX/XX/2023 Dear Goldman Sachs Bank, As a federally protected Consumer, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank. I submitted applications to extend credit on 13 plus occasions and was denied. As you may be aware, an adverse action against a consumer is against Federal law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that I used my credit card to credit this transaction, pursuant to 15 USC 1602 ( l ). Furthermore, you proclaiming an adverse action against me is an unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). 
As seen in the Notice section at the bottom of the adverse action letters Ive received from Goldman Sachs Bank, it states that the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicants has in good faith exercised ANY right under the Consumer Credit Protection Act. Furthermore Goldman Sachs Bank released nonpublic personal information to the consumer reporting agencies, which ultimately violated my rights to privacy pursuant 15 USC 1681 section 604A.

This is the last attempt to give Goldman Sachs Bank an opportunity to cure and rectify this situation. My intent of this letter is to benefit from a fair and honorable transaction, through a right granted to me according to law. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit as well as compensate me for the damages this has caused over the last couple of years. If you do not, you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violating the law and an invoice for damages shall follow. 
Thank you for your time. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 noticed fraudulent accounts 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 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I previously reached out to experian regarding an inaccurate public record on my account. Experian says that the account will not be deleted as they verifed with the furnisher that ALL information they are reporting is accurate this is there exact response " Our research indicates that you previously contacted Experian to request a reinvestigation regarding this information. At your request to begin a reinvestigation, we contacted the public record vendor as needed to verify the accuracy of the information with which you disagree. The public record vendor has verified the accuracy of the disputed information. The result summaries were sent to you for review on XX/XX/2021, XX/XX/2021 and XX/XX/2021. '' I now take this as proof that experian has not " VERIFIED '' the accuracy of this information after I pointed out the inaccuray said address XXXX XXXX XXXX XXXX being reported on this record that you verified with the bankruptcy court does not belong to me and is not accurate. I am asking that this information be removed as you are deliberatley reporting false information and because you are doing so you are violating my rights and I also want to be compensated as well as I have pointed this out and you are still continuing to violate my right under the FRCA and report inaccurate information

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 2023-01-30
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Signed a XXXX lease at an apartment complex in XXXX of XXXX. Since the date of move in, I was living in a moldy apartment with visible mold, and a water leak. I reached out to the office numerous times about the issue. It was never fixed. I paid all of my rent during the months that I lived there. I vacated and terminated my lease on XX/XX/XXXX. All rent was paid up to the point and there was no balance on the account. My room mate and I paid thousands living in a hotel because we couldn't live in the apartment anymore. 
Here 's a brief timeline of what happened. 

XX/XX/XXXX I put in an emergency maintaining request to address the leaking pipe and mold. 
It wasnt taken care of. 
XX/XX/XXXX I put in another emergency request. 
XX/XX/XXXX I got an email stating it was resolved. 
I replied back and let them know that it wasnt resolved. 
On XX/XX/XXXX I spoke to a manager and they said itll be fixed that day.

It was marked as complete. However, there is still mold and a leaking pipe.

I reached out to the complex manager and she insisted that I must pay the termination fee. However, in the contract, it states, " Promptly notify us in writing about any signs of water leaks, water infiltration or mold. We will respond in accordance with state law and the Lease Contract to repair or remedy the situation, as necessary. '' For the record, the office was notified numerous times. 

It also states, " If we believe that fire, catastrophic damage, extermination issues, mold and mildew or any habitability issues whatsoever is substantial, or that performance of needed repairs poses a danger to you, we may terminate this Lease Contract within a reasonable time by giving you a written notice. '' With that being said, XXXX XXXX, the Assistant Community Manager, insisted I pay the termination fee. I didn't pay it because of the negligence on part of the management and service team. If the issue was resolved promptly the first time, or second time, or maybe even the third time, I wouldn't have moved out. I was paying rent for a place I was not even living in. 

I emptied the apartment and cleaned it, and sent in my keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: U.S. BANCORP
State: DE
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:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

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 2023-01-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I visited Home Depot in my local area to open a credit card and make a purchase for an outside kitchen project. Among other things, the single purchase included XXXX kitchen aid grill, one kitchen refrigerator, one kitchen sink, and outside kitchen doors. I was approved for a $ XXXX credit line after application and I attempted to make the purchase of the items for {$2700.00}. 

The entire process was handled by Home Depot customer service. This is when the problems started. During the 2-3 hr transaction while at the store customer service counter, I was contacted by the fraud department on my phone. They were concerned that someone was trying to charge {$2700.00} seventeen times on my card. I was told that two were processed, which sent my card balance over the limit. I informed the fraud rep that the Home Depot customer service rep is trying to process the transaction right at that moment and probably did it. To shorten this situation, neither the online reps nor the store could resolve the issue nor print a receipt, so I left the store without any merchandise near closing after hours. 

Since I was not able to process the order, i waited a week or so until the problem was cleared from my credit card and I then went to a Home Depot closer to my home and made the same order. About an hour after the transaction, after i had left the store, I got a call saying the grill i purchased that they thought they had in store-they actually don't and the rep was going to cancel the grill off the order and then ask me to order it online. I did that, and i thought everything was good until i received the grill but kept getting notices for other grills ( same one ) in route to ship to me. 

After checking my credit account, I learned that i am being charged for a total of three grills. I also received a couple other duplicate items. This entire process has been one of the worst experiences i've ever had and I intend to payoff this card quickly and never apply again once my account is fixed. 

Note : recently the grill i did receive was faulty and had to be returned and i had to purchase another grill.

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit reports are showing a late payment error from Bank of America. I never been late on any of my statements with them. This late payment error is bringing down myXX/XX/XXXX score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.

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 2023-09-05
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was preparing to finally move out of my others house. I pulled my credit report as well as applied to a few apartments and have been getting denied. 

I contacted PROCOLLECT Via US Postal Service First Class Mail, to try and dispute the collection. I requested any proof or documents they had. They replied with this debt is valid and updated it on all 3 credit reporting agencies. Also PROCOLLECT is inaccurately reporting XXXX balances. XXXX is reporting a balance of {$5700.00} while XXXX is reporting a balance of {$8700.00} According to the 15 U.S.C 1681 law there should not be any damages on my report as it is reflecting on my poorly and in turn is a defamation of my character

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