BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland credit company called me from XXXX XX/XX/XXXX  I ignored the call and couldn't find anything online about the number Midland called again the following Monday I called back they asked for XXXX an individual who has been asked for repeatedly on my number for the last 10 years so I told them I am not XXXX. Midland then proceeded to continue calling me every day after that I even attempted to blocked their number only to then be called by XXXX and XXXX and XXXX XXXX XXXX. I reiterated that I am not XXXX again Saturday XX/XX/XXXX. I can understand accidently calling me when many others have made the same mistake till they where informed otherwise but continuing to make the mistake speaks to a failed noting system for their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 3 credit bureaus to validate the items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, there was an unauthorized transaction made from my BOA checking account of {$36000.00}. I got a text notification from BOA. I immediately called the BOA customer care and asked to freeze the transaction as this was unauthorized by me. The transfer was made to a XXXX. Finally, even after me requesting BOA to hold the transaction it was processed on XX/XX/2023. I had several calls made to Customer care at XXXX XXXX  and BOA.

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 2023-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Yesterday, XX/XX/25, I was notified that my last standing AMEX account was closed effective immediately. 

They immediately forfeited my XXXX membership rewards points. I hopped on live chat immediately and began inquiring into this matter. They refused to reinstate my account or my points and told me to pound sand essentially robbing me of {$1200.00}. I transferred these points, after thorough confirmation from live chat previously, numerous times, from my XXXX card which I cancelled on XX/XX/XXXX. I funded the account that day with these rewards points. 

They are refusing to reinstate and will not give me my points. I want my points. Thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2021-09-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Shellpoint/New Rez sent a check in the amount of {$770.00} dated XX/XX/, stating there was an overpayment and that the payment moving forward would be {$1000.00} starting in XX/XX/XXXX  and then the statement for XX/XX/XXXX   indicates a payment required of {$1100.00}. The XXXX statement indicates the past month payment was not late however if you read in another area of the statement, it indicates a past due amount of {$1500.00}. 

Additionally, in the area for escrow, there is an amount of {$34.00} and it has for taxes and insurance, that should not be as all taxes and insurance are paid by the homeowner. The homeowner has paid their insurance and taxes independent of the Shellpoint/New Rez. 

There again seems to be some form of fraudulent behavior and extortion to obtain funds that Shellpoint/New Rez is not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Dear Bureau, I have noticed on my credit report a publi

c record Bankruptcy that doesnt belong to me. I have already contacted the Court and received a letter from them saying that they dont report any Information to Credit Bureaus . Also they do not even have a case number on my name, which proves that I do not have a Bankruptcy. So it should be deleted from my credit report. I require you to delete and block all the information related to this record. Thank y
ou!

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 2022-09-07
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance 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 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 2023-06-06
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER AND I AM MAKING A COMPLAINT AGAINST EXPERIAN REPORTING OF XXXX XXXX XXXX ACCT # XXXX. THEY HAVE BEEN VIOLATING MY CONSUMER RIGHTS ACCORDING TO THE FAIR CREDIT REPORTING ACT. AFTER LOOKING AT THE CONSUMER LAWS IN THE FAIR CREDIT REPORTING ACT I SEE I'M BEING VIOLATED BY EXPERIAN WITH THE REPORTING OF XXXX XXXX XXXX ACCOUNT. THE ISSUES FIRST STARTED WITH XXXX XXXX XXXX WHEN THEY TOOK OVER THE " AUTO LOAN '' FROM XXXX XXXX XXXX XXXX WHEN THEY WERE BOUGHT BY XXXX XXXX XXXX THEY STARTED MONTHLY REPORTING ON MY CONSUMER REPORT 60 DAY LATE ON 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. THIS IS CLEARLY ERRONEOUS, INACCURATE, REPORTING ACCORDING TO THE FAIR CREDIT REPORTING ACT. AND THIS IS DAMAGING MY CONSUMER REPORT AND MY CONSUMER FICO SCORE AND I'M PAYING HIGHER RATES FOR THINGS NOW DUE TO THIS INACCURATE REPORTING AND I HAVE BEEN UNABLE TO OBTAIN NEW EXTENSIONS OF CREDIT AND A HOME LOAN DUE TO THIS VIOLATION REPORTING ON MY CONSUMER REPORTS. FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I HAVE REPORTED THESE ISSUES WITH FURNISHER AND HAVE BEEN POINTING OUT THE FCRA VIOLATIONS TO XXXX XXXX XXXX WITH EXPERIAN AND IT KEEPS COMING BACK 'VERIFIED '' WHEN THERE IS OBVIOUS INACCURACIES BEING REPORTING ON MY CONSUMER REPORT. UNDER THE F.C.R.A. I HAVE FEDERAL CONSUMER RIGHTS AND IM CALLING ON THE CFPB TO ENFORCE THE FCRA AND HOLD EXPERIAN ACCOUNTABLE WITH THE REPORTING OF XXXX XXXX XXXX ACCT # XXXX. BE HELD ACCOUNTABLE FOR NONCOMPLIANCE OF THERE INACCURATE REPORTING THEY ARE DAMAGING MY CONSUMER REPUTATION. AT THIS POINT I HAVE SHOWN YOU THE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT THAT ENTAIL INACCURATE, ERRONEOUS, UNFAIR BY EXPERIAN AND REPORTING THE XXXX XXXX XXXX ACCOUNT. I AM NOW ASKING THAT EXPERIAN REPORTING OF THIS XXXX XXXX XXXX ACCT # XXXX BE DELETED EXPERIAN IS SHOWING THEY DONT COMPLY OR ADHERE TO THE F.C.R.A. WHICH IS FEDERAL LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have sent letter after letter asking them to verify how they are reporting things on my report. They keep sending letters stating that they verified them and they are accurate. I want something in writing about where they got this information and who that meaning name of person that verified this. By law Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.

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 2023-11-27
Company: VW Credit
State: CA
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:
I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or VW CREDIT INC customer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XXXX of 2023 I applied for an apartment XXXX XXXX XXXX in XXXX XXXX Ct. The apartment that I applied for wasnt the apartment that I wanted because it was too expensive. The website forced me to apply for the apartment that costed XXXX. I then emailed the apartment manager and told her I didnt want that apartment I wanted the cheaper apartment. She then told me that was ok with her and it would be ready for XX/XX/2023. The apartment for XXXX would have been ready for XX/XX/2023. I was ready in XXXX. I was called by someone in XXXX and told that I wouldnt be able to get my security deposit back so I called Wells Fargos customer service and asked if they can dispute my charge since I wouldnt be able to move in and it was a scam. I was told yes so Wells Fargo started a dispute. I havent heard anything else back from the bank so I called and when I called I was told that I was sent a letter that I never got back. So not only was I forced to apply for an apartment that I couldnt afford but I was also told I wouldnt be able to get my money back. Upon further research this apartment concierge they have had many issues brought against them. I would also like to point out that i had a friend go look at the apartment as well. I asked the property manager how much was the rent and she herself stated between XXXX. I went to check my welcome package and the rent was actually XXXX XXXX Way more than I was ever willing to pay and from my conversation with the property manager she knew I wasnt willing to pay that. Online it has one price and when u get the welcome package theres another price.

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 2021-04-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi My name is XXXX XXXX, I am having problem with care Credit, I am being charged for things I did not authorize, I owe them {$1400.00} this is the latest amount, it seems no matter how much payments I make, my loan does not come down, i was charged {$23.00} for Credit card Insurince, which I did not know or was told about, Finance charged {$12.00} on XX/XX/2021 both on XX/XX/2021,

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with 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. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX XXXX Balance : {$310.00}

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 2021-01-16
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called Absolute Recovery Agency for a collection they say I owe from XXXX XXXX I've told them I have no money to pay a debt I don't owe it's not right to do this when I paid them before I left the property They didn't won't to listen they just trying to take free money not owe to XXXX or them The woman who worked at XXXX aXXXX has since left I even talk to the new manager and she said that XXXX has all new people and she don't even know that woman XXXX XXXX This same woman was fired for steal from XXXX XXXX She was messing up alot of tenants credit reports She is a very evil person to hurt my credit this way before she got fired for taking from XXXX She beed to be prosecuted for fraudulent activity I have proof I paid my rent every month on time I even gave her 30 days notice when I moved that she signed I still have all my proof til this day When I left out her office that same day I moved she said everything was fine I left in XXXX I just found out on my credit report this was filed on me a whole year later in XXXX I'm so depressed she is messing up my credit and the collection agency trying to get money out of me to when I told them I have all my proof I owe XXXX nothing I gave her 30 days notice in XX/XX/XXXX Told her I couldn't move until XX/XX/XXXX she said fine just pay XXXX rent just be out XX/XX/XXXX that what I did Please relief this pressure from my life and removed this Agency from my credit Please I need immediately help Thank you

Company response to consumer: Closed with explanation