BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXXXXXX 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 2019-12-30
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Funding, XXXX XXXX, sends me a document appearing to be an official court document, judgment threatening garnishment. I realized they just made up the document themselves. No court issued it. It even says it was certified by the court but there is no certification. I owe XXXX dollars. They bought old credit debt. I've already paid them a lot of money and confused about what they are even trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX in the amount of {$450.00} dated XX/XX/2018. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous 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 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I have an account with Bank of America. They are charging me a monthly service fee of {$12.00}. In order to waive their fees, you must have {$250.00} in direct deposits coming into the account on a monthly basis. I get paid twice a month on the XXXX and XXXX and at which point I deposit {$120.00} per paycheck to Bank of America. This totals {$250.00} a month. They have been charging {$120.00} in monthly service fees. The only reason I have this account is because of the fourteen year old 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 2019-05-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
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:
XXXX  is reporting a collection that does not belong to me. I have contacted XXXX now 4 times about the fraudulent collection account and still have not heard back from anyone. I have provided XXXX a copy of my recent police report and told them that the collection is not mine. I have also contacted Fidelity Information the collection agency reporting the fraudulent information and neither of them have responded. I have provided both company information about the fraudulent item, as well as a police report and neither company has taken any action to block the fraudulent account from my credit file. 


The following collection is Fraudulent FIDELITY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and I want it removed from my credit file, this is as a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( XXXX, Experian, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits. 

Please advise.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX reported to TransUnion Credit Report that my balance increased by {$100.00}, this caused my credit score to decrease. I have been paying on this account for many many months over 2 years without covid19 suspension of payments and this company reports negative information to my credit report. 
The balance of student loan is fraudulent as I never got a payment of the monies that were not used at XXXX XXXX and I never got any payments of monies that was not used from XXXX XXXX XXXX XXXX. When I disputed this, there was not an investigation. They bill me extreme added fees of interest and they never showed payments that were paid for 10 years after I graduated in 2002. 
The student loan has been a rope around my neck to freeze my credit score from improvement. This has took away from my education for years of rebutting navient bad unfair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-30
Company: JPMORGAN CHASE & CO.
State: CT
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 am a XXXX year old single mom and I have XXXX XXXX. I fell behind on a few of my credit cards, all with Chase bank. I have three accounts with them. XXXX, Freedom, and Amazon credit cards. They finally 0put me into zero interest, bu only after I researched it ( they did not offer it to me ) and then gave me conflicting dates on when the payments were due -- told me a payment was not due when it was, and now I am so far behind I can never catch up. 

They simply doubled the payment due. The website portal also shows a different amount due than what they tell me to pay -- so that adds to confusion. One payment on one card alone is almost {$700.00}. 

At this point I owe Chase about {$25000.00} -- most of which is interest since they put me into " penalty pricing '' -- a higher interest rate. I explained that I am working part time due to my XXXX diagnoses -- to please stop billing me -- to close the accounts -- and I can pay them a lump sum of 30 percent in XXXX to settle all debts. I get paid out of the XXXX I XXXX and I have a lump sum payment which totals {$3500.00} and then my income tax return should mirror last years which totals about {$4000.00}. They refused to settle the debt for less than 90 percent of what is owed. Please assist me. I don't want to commits bankruptcy. Thirty percent of the current debt is {$7500.00}. Tacking on interest to someone that already can not afford to pay is a play right out of an organized crime playbook.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-11-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I found out that I have a property debt on my credit report for {$3400.00} owed to XXXXXXXX XXXX XXXX XXXXXXXX. I moved out of this property XX/XX/XXXX only after being there a few months and had very bad bug problems that never was fixed. Before moving Myself and my partner at the time were taken to court for 2 months rent or eviction was in process. We paid this payment to the apartments after court and still eventually moved. Fast forward to XXXX and National Credit Systems is on my credit for this property and for an amount I KNOW I DO NOT OWE. There is also XXXX XXXX on this account and she was never on the lease and is no longer living. I have called Nation Credit Systems over 5 times since finding out about this debt and trying to explain to them that this is fraud in so many ways and I need a Legal Document that originated from the apartments that itemizes the charges. I have been Hung Up ON, Talked So RUDE Too and Very over all unprofessional to me while I am in need of help with this. I was then emailed on XX/XX/XXXX a Noticeable made up copy of the debt and " ADDITIONAL CHARGES '' that have amounts but NOT What it is for. There is alot of Illegal things going on with this account and I really need this off my credit. I DO NOT OWE THIS MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, NJXXXX ; XXXX XXXX XXXX , NJXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-04-07
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got bills from the County of Fairfax for tax collection on my cars. I sent the check but only some were cashed by the county. It then went into collections. The printed bill stated that a penalty would be assessed. It did not match up with what XXXX was stating. 

They called several times and i told them that I sent the check to the County. They said ok. Apparently the County did not accept the check and the collection company needed to collect the bill. The bill was for {$1800.00} and they told me I owed over {$2700.00} ( on one car ). I told them that this could not be correct and the agent ( XXXX XXXX ) was rude and dismissive and would not accurately anweer my questions. He was argumentative. 

I eventually paid what he told me to pay because they filed a lien with my bank even though I was told I had until certain date to make payment ( which I did ).

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA.

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made two recent online payments total amount of {$1200.00} same way always make my payments for the past 10 years. The two payments that I made were made under the impression that the payments were going to be successful as they always are. And if there has ever been in issue in the past I always as a loyal consumer always makes my payments. I then realize that the payments that were made to Capitol One Credit Card never posted to my bank checking account. I then logged onto my online account and notice the two payments were returned. I then contacted Capitol One Credit @ XXXX @ XXXX to inquire what was going on with my account. The rep XXXX states there may be an ach hold on my bank account and to contact my bank to check. She also stated that the account wasnt closed it was open and just go online to make a payment on my account once I find out whats going on. I then contacted my bank immediately to inquire if there were any issues with my account such as fraud or holds for some that I wasnt aware of. The bank stated everything was good on their end and my account was ok. I also never also received any documentation via mail the same way I did receive a letter via mail stating my account was closed which was devastating because I had this account for 10 years and this will affect my credit. Thats something that I dont want. I worked very hard to be where I am and this type of discrimination towards me is not going to be accepted. I also gave the bank authorization to speak to Capital One in regards to this issue. They had call records and documentation that I called in regarding this matter. This was definitely not intentional in the way that Capital One Representative see it as. This was an honest mistake and my account shouldnt be closed. It should be reopened as I have done what I was informed to do to reopen my account which is making the payment in the amount of {$1200.00} which cleared, sending a copy of my bank statement to show that the numbers ( last 4 ) were similar and thats the account number that should have been on my account. Which has now been removed. Ive never been late on my card in the past 10 years which I did check my credit report regarding this matter and I have proof of that. I also looked at my statements for as long as Ive had this account and Ive always paid my bill no matter what. Im requesting that my credit card be reopened immediately as I was informed by the representative manager XXXX. In addition I was informed by XXXX Representative that was account was ok and not closed. It should have never closed to begin with. Please rectify this immediately. I hope we can avoid this being escalated further.

Company response to consumer: Closed with explanation