BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: United Collection Bureau, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
UCB ( United Collections Bureau ) contacted me two days in a row ( XX/XX/22 and XX/XX/22 ) asking to speak with a family member that shares a similar name. They were told on the first day that they had the wrong number and the call was disconnected and blocked. On the second day, the caller identified herself by first and last name and as an employee of UCB. She again asked for the family member and was told she had the wrong number. She was asked why she continued to call the wrong number and was told that I wanted to be removed from their calling list. She ignored these questions/requests and asked me to pass on a message to the family member she was seeking. She continued until I said I would be reporting them. These phone calls violate the FDCPA through XXXX  ( repeated calls/discussion to a family member ) and sharing private information ( by announcing that they were debt collector and giving out my family member 's name, I am now aware of their private financial situation ) and action should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been using Bank of America for years and recently I decided to get a direct deposit of some of my paycheck through them at a fixed deposit and the rest to go in another bank. On Monday I was paying for something when the transaction could not go through and that the next day I called the bank and they told me that they had closed my accounts and could not give a reason. I visited the bank that day, XX/XX/23 and I was given the same reason however they told me that the account was still open to receive any direct deposit money but they will decide when to send whatever money will be in the account after they finally close the account on XX/XX/23. I am going to get a direct deposit tomorrow XX/XX/23, which I can not access until they close the account completely on XX/XX/23 and the bank then decides when to send the check. I was using the account for overseas business now I can not transfer the money and I can not access it and when I asked them to close the account right away today on XX/XX/23 so that my money does not go into the closed account, they told me that they can not do it until XX/XX/23. And they told me that after they close it on XX/XX/23 and after that they will make a decision as to when to send me the cheque. I am a XXXX and I work hard for that money in these hard times.

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 monetary relief
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Through XXXX Several People XXXX monies totaling XXXX out my account. I do not even know how to XXXX and I do not know any of the people that received the money. 

When I contacted Wells Fargo several times they told me it was nothing they could do. One teller called me from the bank on her personal phone and threaten me saying that since I had said I would get a attorney I had threaten her, and she went on to say I would never get my money back. 

It was not until I spoke with my XXXX XXXX XXXX that some listen to me and I start the process to getting my money back with their aide.

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 2022-03-06
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-05-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX in XXXX XXXX, Texas Office Manager XXXX XXXXXXXX XXXX XXXXXXXX XXXX fraudulently reported a huge debit owed to National Credit Systems as a Retaliation to my filing of over charges to myself and other residents that included water bills that many were not required to pay according the the lease terms, to the State of Texas, filed a Disability & Race Discrimination claim, code enforcement and other major property issues to city and government offices. 

XXXX XXXX begun to refuse my rent on 3 different occasions, to force an eviction, in which, I prevailed, the Judge ruled in my favor each time. I had lived there for 3 years and never had a problem. Rent always paid on time not one manager before her refused my rent until XXXX XXXX XXXX came to the property. XXXX XXXX would not complete my work orders, she falsified ledgers and allowed many residents to live in dwellings where their ceilings fell in due to water damages ( I have pictures ). I requested to have hand rails installed due to my XXXX she refused on many occasions. This is the small of it. When she lost her last court appearance, she accepted my rent and offered to let me out of my lease with no penalties since I informed her I wanted to move 3 months prior to XX/XX/XXXX. 

XXXX XXXX provided my current XXXX XXXX XXXX a good rental history with no balance owed report on paper via fax. Now I learn XX/XX/XXXX about this HUGE false debit that was report to & for collections which will affect my rental history, in which, she knew this was my greatest concern after she offered to let me out of my lease. About a month after I moved ( according to the credit report date ) she/property management company sent the false Rent/Lease/Mortgage debit to XXXX, XXXX XXXX XXXX was only able to obtain my personal information from my current Property Manager, because she and prior and the following personal ( XXXX was removed from the property due to the discrimination complaint filed and 22 other residents complaints also, and I reached out to the owners ) LOST nearly every residents files once the company she was hired by, took over the XXXX XXXX XXXX. There weren't any Disabled Parking on the property, I advocated to the City of XXXX XXXX and the State of Texas to have disabled parking on the property. ) The care of the property and how the XXXX XXXX XXXX and its staff handled business can be tracked through Code Enforcement and the XXXX. They are 2 residents as today living in their unit with the ceiling falling in from water damages. 1 of the residents has cancer. The mold build and the water exposure in the whole unit. This resident can not even bath nor shower as of today of this complaint. This and others reasons are why I filed complaints with the State and other government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the collection account with Credence Resource Management 3 times now since XX/XX/XXXX and they continue to claim that the debt is verified and accurate. It is not. 

Firstly, the account is almost XXXX XXXX XXXX ( approximately XX/XX/XXXX ), yet they show it as opened XXXX of XXXX. 

Secondly, the amount was approximately {$500.00}, not the {$1400.00} they are attempting to collect. I am trying to improve my XXXX XXXX and this is the only thing holding me back. However, I will not pay this collection, as it is inaccurate and should be almost to XXXX XXXX of dropping off anyway now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

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 2023-06-07
Company: Synovus Bank
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:
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items Synovus bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, CFPB. I am writing because I need your help. 

Back on XX/XX/XXXXI tried to fix this issue with Discover Bank, but they did not do anything to help me. This company is reporting false and erroneous information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. 

This is hugely affecting me emotionally. I am demanding a deletion letter, and the following item from my credit report : Discover Bank Acc # XXXX, Opened Date XX/XX/XXXX, XXXX/Closed Date XX/XX/XXXX, XXXX/Balance {$0.00}. 

Please send the attached documents to Discover Bank. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting inaccurate information in violation of 15 usc 1681 and also 15 usc 1666b and also 15 usc ( 8 ) 602 and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

XXXX, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.

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 2023-06-07
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Somehow a unknown suspect has being using my information without my consent attached to this statement I will provide proof from Police department showing this was IDENTITY THEFT in would ask for all fraudulent accounts to be removed from my credit report with all three Credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Victim of Fraud from XXXX. Paid XX/XX/2020 {$1600.00} for services not rendered/received and BB & T denied my claim for reimbursement. Debit card was used as Credit Card with no pin entered

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 2017-12-03
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received a letter from Americollect regarding the debt that they are reporting on my credit report. This debt was removed in 2016 and has been reinserted without me being notified in writing. The debt has never been validated. Americollect does not have a contract nor have they sent me a contract baring my signature binding me to their debt that they are illegally reporting on my credit report! This is a violation of the FCRA. The original creditor is XXXX XXXX XXXX. I have never received a debt validation letter from Americollect. I have not received a signed contract between Americollect and XXXX XXXX XXXX that grants Americollect to collect on this debt. Verification that this debt was sold or assigned to a debt collector. In US law encyclopedia the America jurisprudence 73 an Jur 2d Sections 90-93 it says that one can not subrogate onto a contract that they were not originally on and did not have any interest to protect and claim successor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: AmOne Corp.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today, XX/XX/2022, I was applying for a loan with AmOne on their website. www.amone.com After I entered all my information it took me into the account of a different individual that I do not know. None of my information was connected to this person.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Old information reappears or never goes away

Complaint:
Transunion will not remove items even after submitting police report as well as Identity theft 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 explanation
Consumer complaint received 2019-01-25
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A payment that was made on XX/XX/2019 was returned due to insufficient funds. I called AES after I realized that there wouldn't be enough funds to cover the outstanding balance and assured the representative on the phone that the entire outstanding balance due would be paid in full by XX/XX/2019. A few days after this, AES sent letters that said they were going to garnish wages, report the delinquency to the credit bureaus and force the account over to the guarantor. All of this after I had given them an exact date of when it would be paid. 

I don't appreciate the constant threats from AES and there are a group of other people who feel the same way. My attorney is currently reviewing this because I feel this falls into the category of criminal behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home last year, utilizing the same company XXXX US Bank XXXX that originally held my mortgage. It came to my attention on XX/XX/XXXX that they did not pay my property taxes for the XXXX half of XXXX. I called US Bank immediately to inquire about this. I was told that it was their fault & that they would promptly pay my taxes. I was assured that they had my money in escrow & that there was nothing else that I needed to do & that the taxes would be paid by XX/XX/XXXX. I called on XX/XX/XXXX to be sure my taxes were paid & was told that an investigation had to be done & that they would not be paid for several more weeks, but that US Bank was still planning on paying & they would pay the penalties that had been acquired. As of XX/XX/XXXX, my taxes are still not paid. I am furious! I have ALWAYS payed all of my bills & taxes on time & work hard to keep my credit score in excellent standing. I am afraid of being sent to collections now & ruining my credit score. Not to mention, I feel ashamed that I look like a delinquent who doesn't pay taxes. I have made countless calls to US Bank to inquire about the status & seem to get nowhere! I'm told a check was mailed out via USPS in mid XXXX, but so far, it does not appear to have made it to the City of XXXX Tax Department. This is unacceptable!!!!!!!!!!

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 2023-10-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX listed in my Experian credit report that I have XXXX self-reported accounts with them when I have never had any dealings with them. Reportedly my earliest account was XX/XX/2021. I called them and gave them their false information, including the account numbers they listed in my report, and asked them to call me, but they didnt. In XXXX I filed a complaint with the XXXX XXXX XXXX which handled the complaint and said that the information would be deleted from my account. However, today, XX/XX/XXXX when I checked my experianXXXX, I saw that the false information was still on my credit report. I never applied for credit with them and never gave them permission to access my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief