BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
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: Information belongs to someone else

Complaint:
After corresponding with Transunion credit bureau on numerous occasions, in regards to them providing me with any validating documents to support the validity of the XXXX XXXX account that the company is reporting on my credit report, to date I have not received any validating documents. 
I thus have made repeated requests to Transunion to remove the XXXX XXXX account from my credit report. 
To date, Transunion continues reporting the collection account on my credit report in violation of The Fair Credit Reporting Act regulations.

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 2018-10-04
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical bill from the bureau name Qual Ast Rec for the amount of {$890.00}. I don't recall this debt. I don't have the date but the age of the account is 4 years and 6 months.

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 2019-06-27
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE Financial Services is charging me {$510.00} for a debt that was paid by my Attorney, my attorney made that payment on XX/XX/2019 to XXXX who was the original creditor. The check was cleared on XX/XX/2019, CMRE refuses to remove the derogatory mark on my credit report. I have attempted to contact CMRE, specifically a person named XXXX and XXXX XXXX who are in charge of that account. I have attempted phone calls, emails with proof of payment. They refuse to return my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/16 and inquiry was made with this bank for a XXXX card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX 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 explanation
Consumer complaint received 2021-08-11
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
I have disputed a charge that was paid off months ago several times through XXXX and directly with Midland Credit Management. I have uploaded the letter from the law firm Midland hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX  EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT

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 2020-12-03
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2018-07-11
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call on XX/XX/XXXX from XXXX XXXX with Transworld systems stating that I owed over {$22000.00} to XXXX XXXX XXXX also known as XXXX XXXX. XXXX states the paperwork came across her desk on XX/XX/XXXX. I requested her to verify debt with sending me the original note and loan and she stated that she was sending information to my email. I provided her with my email address to send original documents. XXXX advised me that she would give me until Monday to come up with some type of payment as she was going to follow up on Monday XX/XX/XXXX. She also stated that I was previously making payments back in XXXX when i originated the loans which is totally incorrect. I never made payments on the loans. The loan in the amount of {$12000.00} was charge doff and my grandmother before she passed paid it in full because XXXX threatened that they would garnish my grandmothers social security. I then found out that the company that provided the loans which they mailed me checks that did not list the college that i was attending filed bankruptcy Chapter XXXX in XXXX as well. XXXX was aware that i filed chapter XXXX bankruptcy XX/XX/XXXX and advised me that i am now responsible for the debt that was not XXXX in chapter XXXX. I requested numerous times to verify the validity of the debt. I have yet to receive anything that verifies i owe the debt, that transworld owns the loan and the right to collect on the loan or the amount of money that transworld claims I owe is the correct amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To whom it may concern, I opened a secured credit card account at Wells Fargo a few months ago, and told the banker very clearly that I would do the autopay with my checking account from XXXX. She said no problem and asked me to open a saving account on Wells Fargo. After a lot of signature without further explanation from the banker, she said that I was all set. I was actually very happy at that time, did not know she linked my secured credit card with my saving account from Wells Fargo in which I do not have enough money to pay back. I did not realize it only after about a month. For sure, it gave me a lot inconvenience later. I spent hours on calling/writing them many times trying to ask for the feedback from Wells Fargo. They did not admit the fault they made, repeatedly showed me that my signature was on the document. However, I was never told the document was the autopay linked to my Wells Fargo saving account.

Thank you for listening.

Best regards,

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 2020-07-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON several occasions I have tried to upload documents to get my credit report from Experian to no success. I was declined credit and would like a free copy of my report thru Experian. when I goto there website www.experian.com/upload to go thru the process the company refuses to accept documents that are PDF and below the 15 MB limit. this company is making it hard to get copies thru the internet and has I think on purpose made errors in there web site collections.

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 2018-02-05
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midwest recovery systems placed a debt collection account on my report, I received no notice before hand in order to dispute. I've never received anything from this company and I never had a payday loan from the company they state it was with. I disputed the account on my credit report but it was of course verified by them. They have reported it as opening XX/XX/2017. I have not been provided with a single item showing I actually owe this debt yet they continue to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Tuesday, XX/XX/2021 monies from Illinois unemployment that was scheduled to post into my bank account was instead transfered into a Wells Fargo account. I have never banked with this banking institution, so I am confused as to why a deposit with my name can go into an account that does not have my name on 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 explanation
Consumer complaint received 2018-03-29
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2018 I noticed series of transactions, had taken place starting at XXXX {$200.00} was withdrawn from my account as well as two more additional withdrawals of $ 202.25and a final withdrawal of $ XXXXadding up to a total of {$760.00}. These charges were not authorized. I do not live in XXXX texas and rarely even go on that side of town. Plus it would be impossible for me to be on that side of town in such a short amount of time considering I had just made a purchase at XXXX at a local tobacco store ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tx XXXX ) - the unauthorized atm withdrawals took place at XXXX XXXX XXXX XXXX. XXXX   tx which is XXXX miles away from the location I had just left ( XXXX XXXX XXXX XXXX ) and the first withdrawal took place at XXXX, this would be impossible considering it takes a little over XXXX minutes to get to XXXX from that location. Additionally I would never withdraw all of my funds on any occasion, considering I usually pay my bills electronically, my mothly statements should reflect that as well. 

This issue has cost me my job, my car and pretty soon my cell phone, my life is in utter turmoil at this point. I cant afford medication that i need to sustain life considering I have XXXX XXXX XXXX XXXX   XXXX that requires maintenance medication. Netspend agreed to send a denial email explaining why I was denied but the denial email has no details as to why I was denied. I was also promised a call back from the claims department within XXXX to XXXX hours and I have still not recieved that call, even though I call netspend everyday in regards to this issue. The claims department is literally ignoring me and I'm all out of options.

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 2018-07-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Several times in XXXX, I was denied when I was trying to cash a payroll check. On XX/XX/XXXX I requested a Consumer File Disclosure Report from Certigy Check Services, to see why my attempts might have been denied. This report was prepared on XX/XX/XXXX, and I received it on XX/XX/XXXX. The report they sent me had the list of denied checks, but was missing the payments successfully made at XXXX 's ; based on the denial message, it seems that these missing payments contributed to the denial of my check cashing. On XX/XX/XXXX, I contacted Certigy to correct these errors. On XX/XX/XXXX, they prepared a letter saying that they determined that the information is accurate and complete as reported. I received this letter approximately XX/XX/XXXX. On XX/XX/XXXX, I called them to remind that I provided them receipts of these payments, and asking them what proof they needed in order to enter these transactions into their system ; I was told that I would be called back with this information. On XX/XX/XXXX, I received a call from a representative named XXXX, who acknowledged that the omissions might be due to transmission errors, and told me that Certigy has no mechanism of correcting an omission on the 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 2018-02-05
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a call from XXXX. When I called the number back, I was told that it was XXXX XXXX XXXX. The rep said he was calling about a debt that I owed. I told him that I no longer owed the debt and had received a letter from the company stating that it was no longer owed. He became very rude. He told me that that couldn't be true. He said that there was a validation letter. I asked him for the validation letter, then he said that it was no longer available. I told him that I needed evidence of me owing the debt. He then became even more rude and asked why did I call if I didn't want to pay the debt. I continued to ask for validation. He then ignored me and said that he would speak to a manager about making a payment agreement. I hung up the phone because my question still hadn't been answered and I didn't ask for a payment agreement. Also, I haven't received a validation letter yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Citizens Bank on XX/XX/XXXX with an account opening bonus of {$300.00} with a direct deposit of {$500.00} or more within the first 60 days of opening the account. I had a direct deposit of {$510.00} to the account on XX/XX/XXXX ( 38 days after account opening ) and never received the bonus. I called them on XX/XX/XXXX to enquire about bonus and why I hadn't received it. The customer service representative verified my information and told me he would check with the marketing department and put me on hold. When he came back from hold he hung up on me. When I called back immediately after I got a different customer service representative and after repeating what I told the previous customer service representative, the customer service representative told me my account had been closed because of a XXXX balance. The customer representative first said that the account could be closed if there was a XXXX  balance for 60 days. Then when I told him I hadn't had a XXXX  balance for 60 days he changed it to 35 days and then again changed it to 7 days. I never received any communication about this nor did I ever receive anything saying my account had been closed. Additionally less than 5 minutes before my second phone call, the previous customer representative had verified my account information and hadn't said my account was closed. The second customer representative also proceeded to hang up on me. I called a third time and was told I would be transferred to a 'bonus ' department that the previous customer services reps never mentioned. Instead I was transferred to the loan department and had to end the call. Every time I try calling their customer service representatives they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was given a promotion in writing for {$75.00} credit if I spent {$500.00}. The credit card is refusing to honor the promotion. Additionally, they are intentionally delaying the posting of the credit to incur interest on the balance.

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 2020-01-22
Company: SUNTRUST BANKS, INC.
State: VA
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:
For my account ending in XXXX, SunTrust looked into my recent claim and told me to identify the exact transactions that were fraudulent. I now have the exact amounts and dates so Ms. XXXX XXXX can file the claim on my behalf. I called and they told me they can not find the transactions listed and I have to have someone in the corporate office do it for me. 

The following transactions were NOT authorized, I am unsure who did them and they occurred when I was overseas : XX/XX/XXXX {$930.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX. 

XX/XX/XXXX {$1100.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$330.00} Electronic/ ACH Debit XXXX XX/XX/XXXX {$1000.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$1500.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$900.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$550.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$2200.00} Electronic/ ACH Debit XXXX XXXX XXXX XXXX  Web Pmts XX/XX/XXXX {$790.00} Electronic/ ACH Debit 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 2018-02-05
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I lost 32 points on my XXXX it and XXXX  and this debt has already been discharged in my chapter XXXX bankruptcy. This company operates fraudulently. I never received anything in the mail to alert me of them adding an old debt to my credit file. I seriously believe they did not contact me on purpose so that I wouldn't know. This company banks on people not paying attention to their credit files so they can collect on old closed debts.

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