BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Credit Control, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to question the companies Verification of the Debt and the company will not supply the accounting or validation of debt. I ask the company to stop reporting the debt to the credit bureaus since XX/XX/2022, the debt is still reporting every month and affecting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry 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 2022-04-01
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name / Account number ; ( 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 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 XXXX 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 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 2020-08-08
Company: Experian Information Solutions Inc.
State: TN
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 have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.

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 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Trusit allowed a number of fraudulent transactions to be processed against my Adult daughter 's bank accounts ( which I later found out, I was listed on the account ) this caused her account to be significantly overdrawn, and Truist subsequently charging 2 of my accounts to clear and close all 3 of my daughter 's without any notification via text or email. 
On XX/XX/2023, I received an email of a negative account balance and immediately contacted the bank and informed them of 3 unauthorized transactions on my accounts, ( I am the only authorized user of my accounts with Truist ). The representative stated, nothing can be done at this time because the transactions were pending and to call back in the morning ( XX/XX/XXXX ) if they posted. I called back only to be told the transactions were for account closeout and that I needed to visit a branch. I went directly the XXXX branch and spoke with XXXX XXXX XXXX. XXXX XXXX did exactly as I had done, contacted customer service. The only information provided was, the bank had terminated the relationship with my daughter because of the fraudulent activity but she didn't understand why my accounts were affected. XXXX XXXX was transferred to the fraud department ; however, they were closed. 
I was informed to come back on Monday, XX/XX/2023, which I did. I the spoke with the Branch Manager, XXXX XXXX, only to be told the bank was reviewing my accounts for possible closure due to the fraud on my Adult daughter 's accounts. She could not obtain any further details as they stated things were still under review. 
Through all of this, I have spoken with so many different representatives from Truist and could never get a complete answer. 
To date, the bank has returned my Federal government payroll check, caused some bills to not post to my accounts and have blocked my accounts from all activity ( no deposits or withdrawals ). This has caused a great deal of inconvenience and frustration. I have been with this bank for over 30 years. This is not how you should treat your value customers. 
All of this could have been avoided with the proper protection and notification. Also, I think some training need to be done, on behalf of Truist, because I spoke with a number of representatives during this time period and should have been able to get definitive answers. 
I need this to be addressed as soon as possible.

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 2020-08-08
Company: EQUIFAX, INC.
State: AL
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 A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX  DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The is my second complaint against Midland Credit Management for harassment and fraud. MCM has failed to produce any documents in which I can validate an alleged debt that they have taken legal action to collect. They are continuing to report this alleged debt to credit reporting agencies against my request to cease. 

The company responded to my CFPB complaint on XX/XX/2022, stating that I was sent a validation letter. Who validated this alleged debt? What is there contact information? Were they a witness to the signing of an agreement to pay this alleged debt? Pursuant to USC 1692g only a consumer can validate a debt and I still have not received the documents requested to do so. Therefore it is against federal law to pursue this collection.

Your company also stated that enclosed in your response is the original contract. I have looked through all the paperwork enclosed and see no contract. Pursuant to the XXXX a legally enforceable contract requires offer and acceptance and full disclosure. There is no original contract with wet signatures of both parties showing there was an offer and acceptance nor full disclosure. There is also no witness to attest this alleged agreement. 

The information your company is furnishing to the three major credit reporting agencies has not been validated, therefore it is not accurate. Continuing to report this is harassment and violation of USC 1692d ( 4 ).

Pursuant USC 1692i ( b ) your company is not authorized under any federal law to bring legal action against me. You have produced no credible evidence. You have presented nothing but statements, not invoices to be paid. There is no signed contract between I and your company agreeing to pay this alleged debt. There is also no actual accounting showing your company has endured any debt to be paid by me. Therefore I would like to know what are the several factors used to determine the eligibility of accounts for legal efforts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have been now requested to provide a verbal or written clarification on the Hud Settlement Statement attached where I underlined. 

I gave a verbal and requested a update again from the Title Company. 

I received the update from the Closing Attorney for the buyers side by email for the requested information. 

The Miscellaneous section on the Hud Settlement was verified to be XXXX XXXX Taxes no money coming to the seller. 

Now I received the runarounds again and I have to go back to court on XX/XX/2021 with no approval for the short sale again and all of these attached documents requested have been emailed and uploaded to my servicer account. 

I am not trying to be a nuisance, just trying to get my voice to the right department head. 

Please assist. 

XXXX XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX bank let a party taken XXXX out of my account with a fake name. The customer withdrew XXXX with a withdrawal slip of XXXX XXXX XXXX then went to another bank as I was told by XXXX bank and withdrew XXXX using the name XXXX XXXX XXXX then went again to a XXXX bank and withdrew XXXX. This all happen between XXXX XXXX or XXXX until I puts a freeze on my account. They stated the fraud took place in Florida and I like in XXXX. I was in Georgia from XXXX XXXX. I made a police report and had my account changed but I still am out of XXXX. How can some one withdraw money with the wrong name and signature at XXXX bank and no REDFLAGS GO UP to question the party making the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello -- I awoke yesterday with a near-XXXX balance in my Umpqua Bank account , after I'd just received a generous loan from a friend to help keep me afloat after numerous devastating hardships, including, but not limited to : -- being defrauded by my best friend and tax accountant for my entire life savings, -- the Pandemic hitting just as I was starting to re-build, -- losing supportive parents & grandparents plus -- fires and extreme weather devastating my rebuilding efforts. 

This complaint is not about the {$470.00} funds removed ( in error by another entity ) from my account, but for the -- Umpqua 's lack of notice and the -- EXORBITANT FEE of {$120.00}!! ( 26.3 %!!! ) charged against my account by Umpqua Bank for the dis-privilege of giving my extremely hard-earned {$470.00} to an external entity. 

I was told by the external entity who received my {$470.00} ( without prior notice, sadly -- another miscarriage of justice ) that " most banks do not charge fees '' to send them funds, and that I had to get the fees charged by Umpqua reversed by Umpqua. 

Spent over an hour on the phone at XXXX with XXXX, a lovely guy who I believe genuinely wanted to help, and his supervisor, XXXX, who both put me on hold 3x total to talk to XXXX and 2 others in the " Operations Legal '' department. 

I was told the {$120.00} fee was indeed an Umpqua fee, an Umpqua policy was non-negotiable, and one of the fees that they had zero power to change. 

So I've devastatingly donated {$120.00} plus many extraordinarily-more-valuable hours to Umpqua profits for the privilege of inadvertently paying another entity {$470.00} I do not owe. 

This has occurred at a time when I have XXXX income due to extreme hardships ( many of which others are experiencing at a more critical level than I. ) Clearly, we are suffering immeasurably from an extreme lack of oversight of our financial institutions and their general abuse of customers across-the-board. 

In a quest for profits and shareholder enrichment, we have created sociopathic systems. 

Fortunately, we are starting to recognize this societal destruction, and have the power to change it, something I'm passionately committed to, hence my wasting hours of valuable time to make entities aware of their abusive 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 explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 if 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 2023-08-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit 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:
I wanted to dispute my charge on a XXXX and my claim got denied without any extra information from the representative and they didn't help me and instead was on full side of the merchant. Then my credit card was reduced by {$4000.00} and then overcharge to purposely report me over the credit limit. if my credit limit isn't the same or higher before the overcharge then im going to a small court claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from XXXX on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to XXXX. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2 . The following account is not mine XXXX 3 . The following account is not mine XXXX XXXX 4. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX 5. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 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

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