BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My account with XXXX XXXXXXXX XXXX  is currently is in good standing with a zero balance was illegally sold to a debt collector who is ruining my credit, harassing me for payment on an account I do NOT owe on. I have gone over and over with both companies- XXXX XXXX has me in good standing, zero balance and says I was not sent to collections, but yet can't help me figure out what is going on. When I speak to Midland Credit Management they say I owe this account. I have sent in years of statements to prove I don't owe this, to show my accounts are in good standing with a zero balance. XXXX XXXX keeps hanging up on me and Midland gives me the run around now. I don't know what else to do at this point. I will be meeting with an attorney to sue them both, but what they are doing is ILLEGAL. Midland account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi CRA ; Im not LIABLE for this account as shown on the attachments and I demand an immediate deletion. Please see the attachments for detail. Its reporting incomplete, misleading, incorrect information and there are multiple inaccuracies even after I just paid off this account. Ive also disputed this account many times directly with original creditor XXXX and also each of the Credit Bureaus and Im in the process of filing a formal complaint with the regulators such as FTC, and Cfpb. 

Thank you very much! See the attachments that Ive successfully PAID off the account and Im not LIABLE! DELETE form my credit report now please!

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/23 I checked my credit report and notice many incorrect items being furnished without my permission. 
I reached out to the debtor with no success and then sent a letter to Transunion to address the illegally furnished items. I requested them to address these items as well as send me proof as to why they are on my report. 
It has been well over 30 days, which I know by law they must respond by then.

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 2021-09-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Had a checking account for 3 months at US Bank. On XX/XX/2020 a friend transfered money directly my account which triggered a XXXX investigation which was negative. The Bank closed my account as i was told in XXXX and they said that they would return friends XXXX but it could take up to 6 months because of COVID ( the transfer was to pay for my Moms funeral due to XXXX  ) After close to a year he still hasn't got his money Yesterday when I went to the Bank with Him the bank said that they could take as much time as they wamt.

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 2021-08-17
Company: EQUIFAX, INC.
State: MO
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:
Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: AMERICAN EXPRESS COMPANY
State: TX
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 was contacted by XXXX XXXX from XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX Massachusetts XXXX ( XXXX ) XXXX ext XXXX on XX/XX/XXXX XXXX at XXXX which is my employer telephone number. 

I advised Ms XXXX that she conacted me at my employment number and she should stop contacting me at this number for the American Express Debt. My employer telephone is accessible to other co workers and the phone recorded. 

Ms XXXX contacted again on XX/XX/XXXX at XXXX and left a voice message in regards to debt. 

Ms XXXX contacted the third time on XX/XX/XXXX at XXXX in regards to this same debt at my employment number as tried to collect on this American Express Debt. Advised her again to stop contacting me at my employment telephone in regards to this debt and I will have an attorney contact her. 

My phone is monitored by my employer and all incoming calls are screened for customer effectiveness. I am afraid this call will be listened as a result. 

regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: CCF Intermediate Holdings LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I informed the employee at XXXX that I was unable to pay the entire balance of the loan. She giggled and shrugged at me. I reiterated to her that the check should not be cashed because it would be rejected as NSF. After I left the store, I received multiple calls from them back to back but I was not in the right headspace to talk to the person who had so rudely dismissed me when talking about a serious financial issue. On XX/XX/XXXX, a XXXX employee changed the date of the check, without my agreement, and attempted to cash the check. It was rejected due to insufficient funds. I then requested a stop payment be issued for the check so I would be able to pay my rent and electricity bill. 
Today, XX/XX/XXXX they attempted to cash a different check for the same amount that I did not sign or otherwise authorize. I do intend to pay the balance as soon as I'm able but I will not pay until they can guarantee they will not attempt to cash fraudulent checks in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found false information on my credit report that caused a drop of 29 points on my credit score, that debt belongs to an original creditor by the name : XXXX XXXX, it was placed on my credit report by : ENHANCED RECOVERY CO L Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX this false info has severely damaged my credit report and score during a pandemic, as a XXXX worker and with the limited free time I have, I tried calling them many times but calls go to a mobile voicemail that has not been set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company - XXXX XXXX XXXX Provided - XX/XX/XXXX I provided my health insurance, paid co pay and was never made of aware of any debt still owed after the service was completed until a collections agency contacted me XX/XX/XXXX in which my credit score decreased. I called and disputed the amount and the lack of statement/bill being sent to me and asked for proof of statements sent and request was not honored leaving my hands tied with a debt that could have been paid without sending to a collections agency. 
XXXX XXXX then moved the collections to AMCOL Systems a collections agency. That company was also called and informed of the dispute and was not willing to assist in the debt or lack there of any statement being sent to me to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Deposited a check in my bank to purchase equipment for a job I was doing. My bank verified funds on the day of deposit and also verified funds on the day of the wire transfer, to secure a electronic wire transfer to pay {$37000.00} for the equipment. After wire transfer was made less than 3 hours the check posted stopped payment and all they will do is see if they can loan me the money for the negative balance in my account and will not do any fraud complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized use of my debit card with edd through Bank of America. First, someone checked my balance at a XXXX XXXX ATM machine at XXXX XXXX, which is 2 hours away from me. Then the following happened at a Bank of America ATM machine in XXXX XXXX : [ ] {$1000.00} XXXX @ XXXX pm [ ] {$1000.00} - XX/XX/XXXX @ XXXX am [ ] {$1000.00} - XX/XX/XXXX @ XXXX am When fraud department of bank of america contacted after I found out, last XX/XX/XXXX. I was advised that they will undergo investigation up to 90 days. Unfortunately, I contacted fraud department again today, XX/XX/XXXX, was advised that they resolved my case and that they denied my claim. I informed the customer service representative of bank of america to release the footage of the XXXX. As far as I know, there are cameras on the atm machine itself. How come, they do not review it, so they will know who withdrew the money. Bank of America denied my claim and will not return my funds back. This is so upsetting, a bank that is huge and unable to protect their customers. The fraud department is unable to investigate well. They just say they are doing their due diligence to investigate the frauds, but realistically they are not doing their job. If they investigated, they will pull the camera from the atm machine and will know that it is not me who took the money out. Commonsense, if that was me who withdrew the money from the atm machine, why would I go through this headache and make a fuss about it. I do not need any headache, as I've been going through a lot already. WHERE IS THE COMMONSENSE OF THE FRAUD DEPARTMENT OF BOA!!! The bank itself is fraud! This is negligence! I have been a customer with bank of america since XXXX, but after this will resolve. I will pull everything out of BOA and open a new account with XXXX. Apparently, chase protects and serves their customer well, will return your money asap and will not deny your claim. This is the biggest mistake of XXXX to use BOA. Please assist me on the next step. Thanks!

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 2022-08-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I made a payment of {$600.00} to ULTA Comenity Mastercard card Comenity, see statement. I inadvertently had not changed the account number to the new number. However, it WAS processed by Comenity and the payment was applied to the my NEW account number. The next two payments were not applied to my account, XX/XX/XXXX and XX/XX/2022. First payment for {$100.00} and second for {$1000.00}. XXXX told me they could not locate the payments and I was told to contact my bank which I did. My bank reversed the payments and shortly after Comenity applied a {$1100.00} to my new account. How can they apply an adjustment when the funds never made it to my new account My statement should be less {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
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:
Chexsystems reporting fraud account from XXXX # XXXX {$870.00} that does not belong to me and was a result of fraud from XXXX XXXX debit card transactions and needs to be removed from credit file and request chexsystems mail me a new updated correct 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 2020-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo removed {$39000.00} plus from my bank account. They are refusing to tell me who has the money today. Is Wells fargo holding the money? Does the government have the money? Does the Plaintiff Attorney have the money? I have been given several answers to that question. I need the truth. I am being unjustly sued for this money. I am not asking WHY they are holding the money. I am asking WHO HAS THE MONEY RIGHT NOW. I asked wells fargo attorney XXXX XXXX if the money is being held by wells fargo or if the money was given to the government or if the money was given to the Plaintiff Attorney. He has not answered me and I believe I deserve an answer immediately to this simple question. It was removed from my account the first week of XX/XX/2020.

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 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I just received letter XXXX and XXXX closing XXXX of my capital one credit cards all of a sudden with no warning due to return payments. I always corrected these and never once did I received a phone call or anything on these cards or hey if it happens again we will close your accounts. I have a car loan with a perfect payment history. I will never purchase a car or any products with capital one ever again. Customer service is a joke and they dont care. Worst treatment of an established customer that I have ever encountered. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-03-24
Company: Consumer Portfolio Services, Inc.
State: PA
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:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
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:
XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. XXXX XXXX  Account # XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; Ally Finacial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the Capital One account ending in XXXX has violated multiple of my federally protected consumer rights. I am requesting that the creditor CAPITAL ONE update my consumer report at once. Capital One has reported XXXX late payments to my consumer profile unlawfully. Below are the following errors being reported by capital one. 

XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) All these late payments must be updated or removed at once, there is no excuse these items might be accurate but they shouldnt be reporting to none of my consumer reports.This practice is UNLAWFUL and against my consumer rights. 
Capital one has violated the consumer law 15 U.S. CODE 1666b ( a ) This law states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ), of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Meaning that capital one would have to have sent me a periodic statement with information on late payment 21 days prior to my statement being due. Capital one has failed to do this since I have been a member ( XXXX ). If capital one claims to have sent me this information each more 21 days before my due date, I am requesting all documents of this sent via mail within the next 30 DAYS supporting the Fair Debt Collection Act ( FDCPA ). 

OTHER CONSUMER LAWS CAPITAL ONE HAS BROKE SUPPORTING MY REASONING FOR DELETION! 

15 U.S.C 1605 ( A ) - This law states The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Meaning a finance transaction is already paid in full when the item or credit is financed, creditors can not report late payment to a consumer bureau. The payment was made in full the moment the finance charge took place to receive the item or funds financed. I AM REQUESTING THESE LATE PAYMENTS BE UPDATED AT ONCE.

15 U.S.C 1681 section 602 A. States I have the right to privacy when it comes to what is being reported to my consumer report. I AM REQUESTING THAT LATE PAYMENT NOT TO BE REPORTED ON MY CONSUMER REPORT.

THIS IS MY SECOND ATTEMPT TO RESOLVE THIS MATTER PLEASE UPDATE OR REMOVE THESE ACCOUNTS AT ONCE, THERE IS NO EXCUSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX 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 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