BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NY
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
Collection agency is trying to call my Phone number looking for someone else. I tell them its the wrong number but they wont stop calling, I block them but then they call from a different phone number. Recent call came from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, i spoke with a representative on XX/XX/2017 regarding an old account. Th I asked how much was the equipment fee. I was told the equimpment fee was XXXX ; i said i no longer use the equipment and would like to return it. XXXX XXXX of IC Systems instructed me to contact XXXX XXXX directly. Upon contact the XXXX XXXX representative XXXX XXXX, looked into my account and stated " the equipment was outdated and would not be accepted '', however my account would be credited the XXXX equipment return fee '' and the account would be updated to reflect the fee - over the weekend. On XX/XX/2017 i called XXXX XXXX back, as i did not see the credit on the account, i was then told - the return date had passed and i would be responsible for the XXXX - the previous representative had given me misinformation. I then quoted the recording which states all calls are recorded for customer service and quality assurance.. they told me they could not honor the misinformation provided by their representative.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : 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 2017-04-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I currently bank with Wells Fargo. Back in XX/XX/XXXX I opened a credit card through the bank. This past month I realized that my credit card was being charged a monthly fee of {$31.00} for " Credit Defense XXXX ''. When I realize this I immediately went into a branch to research what the charges were for and why they were happening. I spoke to a card services representative who indicated that the service was for in the event that I would become XXXX this was insurance on the card to make the minimum payment for me. I did not enroll or consent to such a service. The bank asked for 10 days to respond to me in writing, which they did ; indicating that they had confirmed that I did not enroll in the service. " As a courtesy '' they were going to refund my account {$180.00} for the past 6 months of service charges. The charges began appearing on my bill in XX/XX/XXXX meaning for the services alone ( not including interest charges and other fees ) they owe me a refund of at least {$330.00} which they are refusing to pay.

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 2023-06-09
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Update XXXX : To this day they have still not replied to any emails ( the one email they sent even told me to reply to it! ) and the charge has been re-applied to my card. This is teetering on a big lawsuit if they think they are going to falsely report me to credit agencies because they don't like to follow federal law. 

On XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. On XXXX I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX  XXXX had re-applied it because XXXX was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. It was my understanding that I am not responsible for charges made without my consent, but yet here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: WI
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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 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 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 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tye Fair Credit Reporting XXXX  Account # XXXX and XXXX has violated my rights 15 U.S.C. 1681 Section 603 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 an 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 2022-10-23
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: Information belongs to someone else

Complaint:
I have discovered many false reporting accounts on my credit 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 2017-04-15
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency did not send out any information to consumet prior to reporting on consumers credit report. Violation of FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-07-20
Company: EQUIFAX, INC.
State: NJ
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Following a Delta Sky Miles offer I was given a Delta American Express Gold credit card in XX/XX/2016 with a credit limit of {$2000.00} whilst unemployed ( which I disclosed ). I subsequently got a minimum wage job but could not afford to pay off the balance. Every time I reached my limit American Express increased the credit limit despite the fact I was only paying the minimum. The authorized limit went from {$2000.00} to {$6000.00} to {$12000.00} and to {$15000.00}. Even on the {$15000.00} limit they allowed me to go close to {$17000.00}. In XX/XX/2016 my salary was gross {$22000.00} and today it is {$30000.00} but I am struggling to pay the debt down. 

I contacted the American Express Gold Card department several times and was literally laughed at when all I wanted to do was to find a solution to my issues. They offered no support or advice. As a last resort my father spoke to the Platinum department and was treated in a similar manner. 

I am still paying the minimum and see no way out of this situation. I do believe this is predatory lending and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX Balance : {$1300.00}

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 explanation
Consumer complaint received 2017-04-15
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They start at XXXX call during every hour first they call XXXX husband then they call XXXX me. Every call is from a different location ( however when call is made first to one number then the next same location ). Messages left maybe 50 % of the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Freedom Mortgage Company. I have an escrow account that should pay my property taxes. They were due in XX/XX/XXXX of last year. As of today they have not been paid and the county I live in is threatening me with legal action.

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 2018-12-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened CheckingXXXX and SavingsXXXX with a promotion for a {$400.00} bonus for maintaining a balance of {$15000.00} for 60days. I confirmed with the agent I was enrolled and complied with the rules of the promotion. I completed the terms of the promotion, the {$400.00} credit was to be applied within 90 days which was XX/XX/XXXX. The bonus was not posted.

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 2021-04-07
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I HAD A CREDIT CARD ACCOUNT WITH CBNA WHEN I WAS IN THE MILITARY. I MISSED A PAYMENT WHILE I WAS AWAY ON XXXX IN XXXX OF XXXX BUT I GOT MY ACCOUNT BACK ON TRACK. IN XXXX OF XXXX AFTER I WAS XXXX FROM THE MILITARY I FELL ON HARD TIMES AND I WAS UNEMPLOYED FOR A FEW MONTHS. THIS CAUSED ME TO FALL 120 DAYS BEHIND ON MY CARD PAYMENT. WHICH CAUSED CBNA TO CLOSE THE ACCOUNT. THIS WAS ALSO DONE WITHOUT MY KNOWLEDGE. I WAS NOT NOTIFIED OF THIS AND CBNA WAS AWARE THAT I WAS UNEMPLOYED AND FELL ON HARD TIMES. WHEN I WAS FINANCIALLY ABLE TO I PAID THE ACCOUNT IN FULL IN XXXX OF XXXX. SINCE THEN THIS ACCOUNT BALANCE HAS BEEN PAID. THIS ACCOUNT HAS MANY DEROGATORY MARKS AND IS SEVERELY HURTING MY CREDIT SCORE. I AM REQUESTING THAT CBNA IMMEDIATELY STOPS FURNISHING THIS ACCOUNT WITH THE BUREAUS AND REMOVE THIS ACCOUNT FROM MY REPORTS. THIS ACCOUNT IS HINDERING ME FROM OBTAINING CREDIT. I AM TRYING TO PURCHASE A HOME AND IM UNABLE TO MOVE FORWARD WITH THIS NEGATIVE ACCOUNT BEING ON MY 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 2017-04-15
Company: Williams & Fudge, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt for XXXX college through the collections agency williams and fudge has never been validated. This account has been removed and readded TWICE without any notice to me, as well as no validation of the account sent to me at all. The collection agency has my phone number, home address and email address and has never notified me of readding this account. I want this account removed for good and blocked from ever being readded as they have broken FCRA laws while trying to collect an unverified debt and ruining my credit worthyness under false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone is using my SS # to open accounts with. Company is XXXX for {$160.00} this is hurting my credit score. I have been to the Sheriffs office in XXXX XXXX, XXXX LA and to the DA office in XXXX, LA about this individual. I want this off my credit report. Can you please send to TransUnion 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 2022-07-20
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX my Venmo account was suspended. I have a balance of {$580.00} in my account so I contacted them almost everyday since as nd everyte they say someone will cont as ct me via email in 7-10 days. It is now XX/XX/2022 and I still can't access my money nobody has contacted me and nobody can help me. I have changed my password and pin I've sent photo id it won't let me add a bank account or update my phone number. I am beyond frustrated I can't get answers and I've lost my job because I couldn't get gas to get to work I can't feed my child.

Company response to consumer: Closed with non-monetary relief