BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with XXXX XXXX was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX XXXX XXXX stated they longer have an account for me because the contract was canceled and charged off on XX/XX/XXXX XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 reached out to Transunion in regards to fraudulent inquiries being listed on my credit report. I have been battling fraudulent activity on my report for quite some time and I am in need of immediate action. I was a victim of fraud.

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX was fined and sued by the Consumer Finance Protection Bureau for deceptive practices in XXXX XXXX. They ceased doing business in this manner as a lender in XXXX XXXX due to the lawsuit and fines. They now perpetrate doing business as something else. I complained about the things they were doing that I felt were illegal to the State of CA XXXX XXXX that over saw them. They failed to do anything and told me that they didn't deal with consumers, but would look into it. Well apparently they never did do anything. The Consumer Finance Protection Bureau had to do it! No one listened when I tried to bring the problems with this company up. Now I find out that the CFPB went after them for the same things I complained about, but was never notified by anyone that this took place. Where is the justice for consumers????? When I threatened to sue them, they told me they would turn my accounts over to an attorney and sue me! This company was a very corrupt, foul company and I'm glad they're no longer in business. I'm sure the credit bureaus knew about this but said nothing to debtors yet left the accounts present on our 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 non-monetary relief
Consumer complaint received 2018-05-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is prohibiting me from submitting my disputes online and that is my right to do so. This is illegal. I am demanding to have access to submit my disputes online to remove the fraudulent info on my credit report. The following accounts are fraudulent : 1.XXXX - # XXXX 2. XXXX XXXX XXXX XXXX -- # XXXX 3. XXXX XXXX XXXX  -- - # XXXX 4. XXXX XXXX XXXX -- - # XXXX 5. XXXX XXXX -- - # XXXX  and XXXX 6. XXXX XXXX XXXX -- # XXXX 7. XXXX -- # XXXX 8. XXXX XXXX XXXX - # XXXX and # 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 2023-06-07
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: The Commercial Collection Corporation of New York, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them to stop emailing me more than once. i replied to the email and told them to stop emailing me. And they still email even after emailing a cease and deist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 had a Bank of America Credit card which was fully paid off which I didn't use for approximately 8 months. This was back in XXXX. I hadn't been using the card and it had a {$0.00} balance so I just kept it in my safe at home. Unbeknownst to me, there were fraudulent transactions on the card for measly amounts of {$15.00} and {$20.00}. I was never alerted of this by Bank of American and I never received any statements or mail on this matter and I thought the balance was at {$0.00}. The only time I found out was 6 months later when it finally reported on my credit Report and showed that I had 3 missed payments which is impossible. It showed the missed payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I called and tried to explain to Bank of America to no avail. I paid the late fee and the full balance amount as soon as I found out about it. I have been fighting with Bank of America through several other credit repair companies and there had been no avail. I am extremely diligent and have never missed a payment with any other creditor or any other credit card company. It only happened this one time because my card was fraudulently charged and I have been trying to get this off of my credit report since XX/XX/XXXX when I found out about it.

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 2019-03-08
Company: EQUIFAX, 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:
Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following XXXX XXXX XXXX NCAC Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and Associate General Counsel XXXX XXXX XXXX Senior Vice President Enterprise Fraud XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal XXXX TRANSUNION XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  jXX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX {$560.00} JXX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
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: Information belongs to someone else

Complaint:
Hard Inquires on my credit report that shouldn't be there XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-16
Company: AMERICAN EXPRESS COMPANY
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 have been trying to get this removed from my credit report since XXXX of last year as you can see I have to case number to the issue and each time they say they corrected the issue and have not and its still on going. The first case is XXXX and the second is XXXX. But according to law15 u.s.c. 1681n an unauthorized inquiry should not happen and should be compensated and since it is taking so long and this hard inquiry is hurting my credit something needs to be done and compensation is needed. And removed from all credit reporting agencies ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I submitted a fraud claim on a bank of America debit card on XX/XX/18. The claim was denied XX/XX/2018. I was told it was because I did not have the card but there were charges in the period that used the card. The claim was for international charges on my debit card. On XX/XX/XXXX I explained to the bank that I did not lose the card, the agent must have misunderstood me. A request for reconsideration was submitted XX/XX/XXXX. In the meantime they reversed {$400.00} in temporary credits. I have automatic drafts for bills which have been coming out of my account. I am charged {$35.00} per occurrence for insufficient funds. In the past week I have been charged {$280.00} in fees. The bank has been giving me different answers about when they will review my reconsideration. A hardship review has not been acted on either.

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 2018-05-19
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX contacted my spouse about a credit card debt in my name only. He is in no way affiliated with this debt by name, address, social security number, phone number nor is he listed as an authorized user on the account. They shared information about this debt including amount owed, days delinquent, and asked him to pay the debt. This happened on Friday XX/XX/2018 at around XXXX XXXX. He was contacted by phone number XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the second time I am writing about an issue with TransUnion. TransUnion is reporting that an account status is in " Collection '' in which is wrong. The Account is Paid and Close. I will Like TransUnion to change the payment status to Paid and close. I give them proof that the account was Paid in full and Close.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.

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 2020-07-31
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I had a duplicate charge come out of my original unemployment card. Followed the steps to report fraudulent charge, cancellation of card, submitting documentation of fraudulent charge, and requesting a new card to be issued. Now its been almost 4 weeks and Im not able to get in touch with customer service after being on hold between 30 min to 1 hour I get disconnected. All I want is access to my unemployment benefits!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve

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 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem is with Capitol One. 
When I received my XXXX Statement there was a charge of {$39.00} which I did not authorize. I reported it to Capitol One and they responded by Canceling the Credit Card. I waited 2 weeks but received no response. So I paid Capitol One my balance of {$500.00}. I have to this Day not received any response from Capitol One except they send me bills. The charges are a fraud. I could not have used the card because Capitol One had closed the account as of XXXX. 
Please help me. I am XXXX XXXX old living on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-05-19
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Western Union is sending me email statements to my email address in regards to somebody else My WU account. I have contacted them and they keep refusing to look at the issue since they claim they can not find anything, still I have proof of the emails I receive from them, and I have verified that they indeed come officially from Western Union and is not phishing or spam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed for chapter XXXX bankruptcy in XX/XX/2018. I also had my house burglarized during the same month - a police report was filed. Many items were stolen, and my credit card. Fraudulent charges were made on my card. The day before my discharge they told my attorney they are disputing the discharge. 
My attorney informed them the charges were fraudulent and to disregard them. We believed rightfully that to be the end of it. In XXXX I receive a notice of default judgment. THe credit card company and their attorneys fraudulently and under perjury claimed they served us notice of a lawsuit for which they did not. There was no process server, my attorney had no knowledge of it, and the county clerk said that they only have a sworn statement from their lawyer, now a criminal, that he properly served the notice of the lawsuit. 
Neither me nor my lawyer were given notice, and as such no chance to defend the allegation, or present the police report that would have easily cleared me of wrongdoing - especially since the credit card policy is no liability for fraudulent charges. 

Unfortunately, this blatant lie will cost me no less than {$1500.00} in attorneys fees to countersue and have the court date reset and judgment dismissed - which obviously if I just filed Ch XXXX I DO NOT HAVE. 

The attorney claimed he served notice via first class mail, which is not proper serving of A LAWSUIT. I have attached a letter that arrived -after- the lawsuit was finalized ( dated by the post office )

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 2020-07-28
Company: Automated Accounts Management Services
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm disputing several debts with XXXX XXXX XXXX XXXX. They actually sent this account to a collection agency. Which is AAMS LLC. I disputed this debt recently with AAMS. I then received itemized bills from XXXX XXXX XXXX XXXX saying address unknown. I informed the collection agency in the last complaint that I've been a victim of identity theft and they refused to remove this negative information from my credit report. If these charges were in fact incurred by me, why is the address unknown? No other information was given and why didn't they bill my insurance? XXXX XXXX XXXX, XXXX XXXX XXXX. No other hospital or pharmacy that I actually received service from had a problem billing my insurance. You all need to bill the insurance and remove this negative information from my credit report. If this is not resolved, I will take further action. 
The account numbers are below XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation