BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of the West has been reporting a charged off amount of {$2800.00} since XXXX on a credit card that I opened with them in summer of XXXX. The credit card was a secured card, with a limit of {$500.00}. A rental car company over charged my account for the cost they said my insurance at the time would not cover. The charge was only a small amount so I'm not sure how Bank of the West got {$2800.00} from that. The same company also charged my debit ( checking account ) card for {$1300.00} then enlisted XXXX XXXX to collect on that account. XXXX XXXX then put the account ( checking account ) on all three credit bureaus as a collection account. They then charged interest every month for as long as the account went unpaid. In XX/XX/XXXX, XXXX XXXX XXXX was removed from my credit report but in XX/XX/XXXX, the amount that they could not collect on, along with the interest that that accrued was added to the existing balance of charged off credit card account. I disputed this information with all three credit Bureaus, and not only did it come back verified, but the amount also increased every time from {$1500.00} to {$1700.00} to {$2600.00}. The payment ledger that reported ND for the last five years was edited and updated to reflect CO going all the way back to when the charge-off was first opened. It is currently being reported with late payments as well as a statement claiming " {$2800.00} written off. {$2600.00} past due as of XX/XX/XXXX. '' The account was closed in XXXX. I'm not sure how a closed account can suddenly be charged {$2600.00}. The new company that has taken over for XXXX XXXX XXXX is a company called " XXXX XXXXXXXX XXXX XXXX. '' They sent me a letter on behalf of Bank of the West to collect on the checking account debt in which they stated the amount owed on the checking account is {$1300.00} along with {$700.00} dollars in overdraft fees. In reality they're adding in the interest charges accrued from XXXX XXXX as well as other fees they fabricated. The account was frozen and put under investigation and soon after closed at my request. Therefore, there could not be any overdrafts or other fees. 

To sum it up, Bank of the West is in violation of my consumer rights. Not only are they reporting false information intentionally, but they are also punishing me every time I dispute this information by increasing the debt. I am now in a situation where I have to move due to safety and health concerns and I am unable to do so without paying an extremely high deposit or getting turned down all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible puPlease delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX You are reporting this collection as an " OPEN ACCOUNT '' wich is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Resurgent Capital Services L.P.
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 disputed to XXXX that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. 
XXXX never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their service on fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00}

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 2022-11-30
Company: ALLY FINANCIAL INC.
State: SC
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 # -- -- --, has violated my rights. 
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 a account without my written instructions.

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.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-30
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
On XX/XX/2023 I went to purchase an XXXX ticket, and I was going to inquire about a credit card. I never submitted the application yet received two separate credit cards in the mail. I called to get them canceled & inform them about this issue. They said even though the website was having issues & kept refreshing they couldnt do anything about it. I was told to contact this resource for help.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Other problem getting your report or credit score

Complaint:
Related to previously filed complaints ( # XXXX XXXX AND XXXX )... 

After jumping through a bunch of hoops to RESET my password, I STILL can not access my CREDIT FREEZE information, VIEW/SAVE/PRINT my current credit report, SUBMIT DISPUTES... ANYTHING! I can't DO ANYTHING on this piece of XXXX website of theirs. 

I am FAR BEYOND FED UP with TransUnion and its utter NONSENSE! TransUnion is the ONLY bureau that is absolutely impossible to access, and I'm OVER IT! 

I DEMAND a FREE COPY of my CREDIT REPORT to be MAILED to me at the address on-file. I also DEMAND the ABILITY to submit DISPUTE documentation WITHOUT some convenient ERROR MESSAGE. 
I have DISPUTE INFORMATION to submit to these IDIOTS regarding a DISCHARGED BANKRUPTCY DEBT that's holding up a prospective EMPLOYER 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 2023-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending 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

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), AD XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-08-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Per Equifax they have delete a collection on their website for XXXX XXXX XXXX but my XXXX is still showing the collection account. I am applying for a mortgage and have had to get my credit pulled multiple times due to the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I wanted to learn more about the credit limit increase so I clicked the link " Increase Credit Limit ''. The next thing that came up was " Thank you for your request. '' I did not want to request for one I wanted to learn about it. I did not submit any application and the request was denied. So now my credit score will drop against my will because I did NOT apply for a credit limit increase.

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 2023-05-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, MCM reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: GA
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 according 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Incorrectly Reporting Debt

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 2023-07-28
Company: Early Warning Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/2023. Amount is : {$1900.00}. See confirmations. I had the funds in the account but the recipient did not get it. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you.

Company response to consumer: Closed with explanation