BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have spoken with multiple reps from XXXX XXXX who purchased my account from XXXX XXXX. I have received phone calls prior to XXXX and after XXXX. I have asked them not to contact me regarding this matter being that I have no contract with them. This month, after receiving numerous phone calls at all times of day and night from auto-dialer numbers, I was transferred to XXXX XXXX, who was not available. I proceeded to speak with a young woman referencing the account and explained to her that according to their policy, consumers that exhibit unforeseen financial or medical hardship can have collection actions ceased and the account removed. I also explained that I had a change in employment in XX/XX/XXXX-XX/XX/XXXX that caused financial hardship. As of this year, I have had several health complications and have had to take on the responsibility of caring for my aging parents : one with mental health issues. This coupled with my own medical issues, has created drastic financial strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Credit Plus Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am receiving back to back calls from ( XXXX ) XXXX XXXX, XXXX XXXX XXXX.. harassing me.. File XXXX ( ( XXXX XXXX ) ) @ ( XXXX ) XXXX ... that i will be handcuffed at work or where ever i am served and arrested as of TODAY XX/XX/19 as the sheriff department in XXXX XXXX PA.., if looking for me for an outstand Warrant for a debt that is on my credit report with an outstanding balance of which i need to give her my credit card number or bank account number ASAP to STOP the ARREST WARRANT!! Ms. XXXX is rude and very disrespecftul and absolutely scary.. I as Ms. XXXX to send me this in writing so i can see this for myself and she replied YOU KNOW ALREADY ITS ON YOUR CREDIT REPORT.. I XXXX XXXX HAVE NOT A CLUE OF THIS COLLECTION AS THIS IN FACT IS NOT ON MY CREDIT REPORT NOT TO MY KNOWLEDGE AT ALL.. I don't have any thing to do with this and i ask for proof as i will not ever give information over the phone Ms. XXXX then curse and hang up on me .. VERY VERY DISRESPECTFUL.. I then called back once i went into the Bank which themn spoke to a Ms/ XXXX XXXX @ XXXX who wanted NOTHING to do with answering these questions about the on going phone call coming from Ms. XXXX and she also disconnected the call .. 
I wanted to address the fact that Ms. XXXX said was going to have me arrested and the Bank said this if FRAUD and gave me FCC website to report this harassment ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/XXXX. Google has  locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement. 

Response to prior complaint of XX/XX/XXXX was not adequate. A support person named XXXX sent an email indicating " we're working diligently to determine the appropriate resolution for your situation '' but I have not been able to get any update or response in over a month. Google has now been holding these funds since XX/XX/XXXX with no solution provided. 

**Please note, I am unable to upload documents via this interface. Please see documents uploaded in prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For several months I've tried to reach out to the 3 credit reporting agencies, Transunion, XXXX and XXXX. I also reached out to the creditors to try to resolve this issue through writing and calling and none have responded. 

XXXX account number XXXX opened XX/XX/XXXX reporting weekly on my credit reports as Collection/Charge off but the balance is {$0.00} says in comments on my reports Purchased by another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX. 
dates last active are reporting 3 different dates on XXXX XX/XX/XXXX, Transunion XX/XX/XXXX, and XXXX XX/XX/XXXX. Please remove this account off my credit reports, it's damaging my credit profiles. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX opened and reporting 2 different days Transunion XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Reporting as a collection. last active XX/XX/XXXX. Please remove from my credit profile, this is not my account. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) account number XXXX opened XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Also reporting as collection. Please remove this account from my credit profiles this isn't mine at all and this company XXXX isn't even in business anymore, so I have no idea how or why a business that's no longer in business can send false information to credit reporting agencies without being in business monthly.

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 2022-10-11
Company: DISCOVER BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have two ACH transfers with Discover Bank pulling from an external checking account at XXXX XXXX, involving {$2300.00} initiated XX/XX/2022, that would not be available until XX/XX/2022. and {$6000.00} initiated XX/XX/2022 that would not be available until XX/XX/2022. This over XXXX XXXX XXXX to clear funds that I already own is absolutely unacceptable, and Discover phone customer support insisted that it was the ACH system that held funds to ensure the source account could verify. Apparently there is nothing Discover Bank or XXXX XXXX that could expedite the process or even provide me with an alternative form of transfer that wouldn't cost me additional money ( e.g. wire transfer ). This amount of money is non-trivial to me and was necessary to pay bills, a mortgage, and a car payment. Not only will those payments now be late, but I will be charged extra interest on my credit cards and may even suffer on my XXXX XXXX due to this amount of money being withheld this long without my express permission and intention. 
The United States and its banking system needs to step up to the demands of the 21st century and streamline and update the ACH processing system and dismantle these anti-consumer barriers to accessing our own money. 
The attached screenshot shows the funds already withdrawn from the source account at XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to get my credit reports from XXXX, Transunion and XXXX. I am always told to call them and then I spend hours trying to get a copy of my report from the various agencies. 
I am sick and tired of them doing this to me. 
I feel that they do this to discourage people that are low income like myself from requesting my reports. I feel they do this to save money. 
I am very frustrated with them. 
I have lived at the same address for about XXXX or 8 years. 
I have not had any problems with credit theft or anything like that. 
I have had the same phone number for years as well. 
They keep doing this and it needs to stop. I am entitled to my reports and they are depriving me of keeping track of my 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 2018-10-12
Company: Self Lender Inc
State: SC
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:
Self Lender ( XXXX XXXX ) is showing a late payment on my account from XX/XX/2018 and this late payment have dropped my credit score about 40 points. I have never been late on my self lender account. Every month since I have gotten the account self lender automatically drafts the money out of my account so I was surprised that I got a late payment from them. That is almost impossible to happen if they are using the same account information every month to draft the payments. When I did contact Self lender about the reporting of a late payment on my credit they said that they tried to call me and left me a voicemail. That is a lie I have never received a call or voicemail from self lender. I check my voicemails everyday. My credit is so important to me if I had known that there could of been an issue with my account I would of done everything to fix it. I was never late on my self lender account. This company is very unprofessional and I would not be recommending them to anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all XXXX credit bureaus of about XXXX points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to 5 different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2021 I called to report that several unauthorized inquiries were listed on my credit report. After 3 phone calls with representatives that were heavily resistant to direct me to the fraud department and a total 120 minutes in waiting to reach someone they failed to assist me and remove these inquired after committing to help remove them. This is the opposite of XXXX  who helped me remove the inquiries in less than 4 hours. Its been 10 hours since my first Transunion call and nothing has changed.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CT
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 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 explanation
Consumer complaint received 2023-08-17
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: Public record information inaccurate

Complaint:
I believe TransUnion XXXX and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. XXXX. Proof of right to own/ collect this alleged debt XXXX. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX bankruptcy dismissed

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want to inform the 3 Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 Balance : {$42000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Bankruptcy Reference XXXX XXXX XXXXXXXX Date Filed/Reported : 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 2021-04-06
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: Account status incorrect

Complaint:
I sent one of my first letters to the three credit bureaus to dispute the accuracy of the account CHILD SUPPORT ENFORCEM ; with the account numbers XXXX on or about XX/XX/XXXX ; and After 73 days of inaction, it is clear Experian doesnt want an amicable resolution. 
Among the inaccuracies I listed was the late payment reported XX/XX/XXXX. My wages were garnished. The payments were automatically withdrawn before I was paid by my employer. I was only required to pay $ XXXX monthly ( Child support order is attached ) ; however as you can see from my XXXX bi-weekly pay stub and XXXX - XXXX annual financial statement, I was garnished $ XXXX  monthly. My payments were never late because I never had control over them ; the CHILD SUPPORT ENFORCEM agency did. 
5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer A fair resolution is for Experian to immediately delete the CHILD SUPPORT ENFORCEM account immediately for not complying with FCRA or for Consumer Financial Protection Bureau to provide me with the means to adjudicate the violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved in XXXX and disconnected my cable service with XXXX. There was a last bill and my daughter was still in XXXX and said she was going to pay the bill. She forgot to pay it and I finally learned of this a couple of months after the fact and I then began making payments to resolve this matter. XXXX has been paid in full and this can easily be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred some money from XXXX on XX/XX/2022 from XXXX to Marcus Goldman Sachs, with XXXX XXXX as an intermediary bank. The amount is for {$4200.00}. I've contacted each bank several times to track this transfer and was given XXXX correspondence confirming XXXX XXXX 's sending the money to Goldman Sachs. However, it's been over 1 month and I still have not seen the funds. 

Goldman Sachs refuses to acknowledge or accept the XXXX information I have and continues to tell me to reach out to the originating bank. I do this, and they respond with the XXXX correspondence. 

I have no where left to turn and this is a very large sum of money that I've just now supposedly lost -- {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 XXXX stating that I owe them {$57.00} they have requested Southwest Credit system to reach out to me which they never did I never received a bill or anything for my final bill and now its on my credit report and I truly believe it should be removed staying as I did not get the right to have a chance even pay it It was never notified at all

Company response to consumer: Closed with explanation