BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This complaint involves XXXX XXXX Credit Card : On XX/XX/XXXX I made an online payment of {$130.00} to may credit card account ( I make payments on the XXXX of the month every month usually more than the minimum due without fail ) On XX/XX/XXXX I get an email notice saying my payment is late so I log back into the acct and do not see a payment made so I schedule another payment, On XX/XX/XXXX when I check there is a payment pending for {$130.00} from XX/XX/XXXX and one for {$130.00} on XX/XX/XXXX, called XXXX  XXXX to see if they could reverse a payment since they were both pending and was informed they could not and I would have to call my bank. 
Called my bank ( XXXX ) and because I have been a good customer for years they reversed the payment. 
2 Weeks later I get a notification that my online acct has been " temporarily suspended '' from XXXX  XXXX, I call and they said due to my " payment being returned for NSF '' my online acct was suspended but I could still make payments over the which I have done since. 
Yesterday I receive a credit alert that they have charged my account out to a collections agency because of the double payment they posted and they my bank reversed. 
I am scheduling an appointment with a lawyer and getting a letter from my bank stating the payment was reversed by the bank d/t an error that XXXX XXXXXXXX made in double posting the payment and not removing when I asked. The reversed payment had nothing to do with NSF as there were plenty of funds in my account. 
Also as a last not after the XX/XX/XXXX payments that were double posted I paid my XXXX and XXXX payments over the phone and on time. I have NEVER received any communication whatsoever that my account was being closed or charged off to a collection agency, and since my online access had been blocked and I was paying over the phone I had asked multiple times that I receive paper statements in the mail so I could monitor my account which I never received. I feel this is Fraudulent Business practices by XXXX XXXX Credit Card.

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 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is a continuation for complaint # XXXX. The special handling department asked me to upload the attached document for them to process the complaint. include XXXX XXXX XXXX XXXX, Account # XXXX - Account Opened : XX/XX/1993 original amount : {$93000.00} ; Balance : {$31000.00}. 25+ years account is to be added to my credit file. The account should NOT show any late payments in the last 12 months.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ). They have not yet provide me with anything I have asked for.

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 2017-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I banked @ Huntington. I 've had identity theft. Requested a new card, checking and savings account number. I called 3 days in a row and nothing was done. I went to the branch and the young lady really helped me. While going through her process she noticed a XXXX $ charge trying to come through. She admitted I had serious problems. She opened a new account and debit card. Also disputed the charges against my account. The next day they closed my account and refuse to investigate the charges against me. Everyone in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had identity theft then. Now they are saying I am high risk. My accounts were open when I told them that a representative advised me that it appears to be identity theft. The credit bureau advised me as well. All I am asking is what is owed to me. Customer Service has only given me nasty attitudes. They closed my accounts because of the disputes, although I alerted then when I first recognized them. I have to continue suffering because my direct deposits have to be rerouted as well as my checks bouncing..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22
Company: High Point Asset Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This message for XXXX XXXX and further steps will be taken if you do not respond to this call today. 
Call XXXX. 
calls at work and leaves messages daily and also my cell phone. 
Total debt collection scam. The term " person of interest '' is used in criminal investigations. This is just an attempt to scare you into paying them some money. Just because someone on the phone calling you says you owe a debt does not mean you actually owe it. 
If a voice on the telephone claims you owe a debt : XXXX ( Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act. ) Last known address : HIGH POINT ASSET INC XXXX XXXX XXXX XXXX, NEW YORK, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-01-31
Company: American Credit Acceptance, LLC
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: Account information incorrect

Complaint:
I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from American Credit Acceptance showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my 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 2023-11-11
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Avant in XXXX because I thought I enrolled in autopay and was charged a {$25.00} late fee so at that time I was ensured I was in enrolled in XXXX. XXXX comes around and I see I was charged {$35.00} for a late fee and they canceled my auto pay payment without me knowing. The agent XXXX that I spoke with said I was sent an email on XX/XX/11 around XXXX that I dont not see in my primary email folder. If it went to my spam I dont look there and automatically delete it if Im not expecting anything. But needless to say I was assured that my auto pay was setup so if they had of taken it out my account my payment wouldnt have been late and I wouldnt be asking for the late fee to be waived. As of today XX/XX/11 I did go in and cancel my auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Avant Credit Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. 

XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. 

So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. 

Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. 

How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. 

They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX  XXXX XXXX, XX/XX/2018, XXXX card account application. 

Contacted the phone on the letter. Asked for SSN, but do not want to sure. No resolution. 

Examined credit card reporting history. Identify the hard inquiry from XXXX. Identity likely was stolen. 

report identity theft fraud. Credit card application without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern, I have received a copy of my credit report on XX/XX/18 and to my surprise I noticed that 3 XXXX XXXX XXXX accounts has been added back after deletion. I disputed the inaccuracy of this account before and the account was removed. I am confused as to why this item has popped back up on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights. 

Upon deleting this account, please send me an updated copy of my credit report with the updated deletion to the address above. If action is not taken regarding this matter, I will forward this copy to the CFPB as well as the FTC and file a formal complaint.

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 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting to my credit bureaus that is not mine. The account was opened without my consent as the result of an identity theft. I have made attempts to address this matter directly with debtor but was unsuccessful. The card was charged up under my personal information and now has left a permanent blemish on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Transunion has been allowing XXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX  will change a number ex XX/XX/XXXX120 days late to 160 days late and transunion says its valid. XXXX has opened and closed the account many time. Most recently changing it to closedXX/XX/XXXX dropping my score 40 pts. Transunion has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to XXXX that I owed {$2300.00}, changed the date opened and that was validated by XXXX for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-01-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have opted out of all advertisement from Wells Fargo and am now reviving credit card offers as well as soft pulls on my credit report from them. I have not accounts other then a mortgage with them. The opt-out from advertisement should cover all items and services. In addition they inquired about credit with out permission in their credit card services. When bring the issue to their attention I waited on hold for XXXX hours only to be hung up on! Opt out means do not contact unless is regarding current accounts. Not here is a credit card offer!

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Evening, Attached is full documentation of all correspondence with XXXX XXXX XXXX  who is the debt collection agency for XXXX TransUnion has done their part in removing XXXX  XXXX XXXX however, you all forgot to move XXXX  off of my credit report. 

Attached is the letter from XXXX also, my case number with you all as well. My CFPB full correspondence is included in this correspondence. I have received notice XXXX XXXX XXXX  was removed but XXXX was not which is the company XXXX stated was the original company. When you call XXXX  they say debt was sold to XXXX and all correspondence must be with XXXX. XXXX deemed debt as fraudulent and provided debt removal letter. 
All other bureaus removed rXXXX as part of their process. I believe you all forgot to remove XXXX, If you need any additional information, I will be happy to help. Thank you.

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 2021-06-15
Company: O'Kelley & Sorohan, Attorneys at Law, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My experience was the absolute worst. We received a XXXX ( HUD ) statement with our name and someone else address. The pre-closer XXXX XXXX never noticed the error. XXXX XXXX never called to advise on any updates. No phone call was returned until I called their corporate office. Then she requested, I request all my own pay offs and have them sent directly to her, which was completed numerous times. I also addressed all the incorrect documents. I contacted /emailed the acct manager but to no avail, still no returned calls. The only way we received updated on our closing was to call several times on the closing date until someone was able to confirm the cancellation. Two days prior to the closing XXXX XXXX requested I get a new payoff since she does not have access to my service mortgager acct. Consider my closing was delayed by two months, she should have requested access to my servicer so she could have access to my mortgage info. This confirmed that none of my documents were worked on by the firm. I received the settlement statement 4 hours prior to the closing which is unlawful. Its now the XXXX the day after closing and we still havent received a congratulatory letter or the wire info per their closing attorney. After further research, I came across similar complaints from many XXXX American clients. It makes me wonder if there was an alternative motive to my poor experience. This type of treatment is unfathomable and very unprofessional. I would never refer anyone to such unprofessionalism and XXXX treatment. 

XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief