BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted Transunion on XX/XX/XXXX to request a dispute of the 2 accounts listed on my credit report, XXXX XXXX ( {$1400.00} ) and XXXX ( {$2200.00} ). Both accounts are not mines and are fraudulent. I contacted Transunion on XX/XX/XXXX to dispute, the collection account from XXXX XXXX XXXX ( {$700.00} ) and two inquiries on my credit file, both as a result of fraud. The two agencies that request my information are XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I received a letter from Transunion stating my dispute would take an additional 15 days. This is in violation on the FCRA because they are separate accounts and dispute. The FCRA only allows an additional 15 days if the account is repeatedly being disputed. Furthermore, I submitted a dispute on XX/XX/XXXX disputing XXXX ( {$1900.00} ), which is another fraudulent account. There are laws regulated by the FCRA regarding disputing. Since I am a victim of fraud, I requested verification of these alleged debt and not simply automatic verification through a dispute system. I am requesting a copy of original documentation under Section 609 ( 2 ) ( 1 ) ( A ) and Section 611 ( 2 ) ( 1 ) ( A ) a consumer contract with my signature on it to verify the alleged debts. These items are required by law to protect me as an identity theft victim. I simply would like my credit restored pursuit to the FCRA. I understand Transunion handles millions of consumer 's credit file ; nevertheless, I am an individual and relentless to restore my credit, as well as dispute fraudulent accounts listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Hello, I have never lived in Massachusetts. How do I remove this completely that have my name afflicted with anything in Massachusetts? 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank . I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from this company on XX/XX/XXXX. 
The email was addressed to my wife and claimed to have a document for us to view. I wasn't expecting an email from a company, let alone an attachment. I didn't open it. 
I replied to that email requesting full validation on this account. 
In their email, they stated that they had our permission to contact us via email - we have never talked to them before, never gave them an email address, nor gave them permission to contact us via email. 
" You were never given permission to use this email address. 
Although I was able XXXX search the address and find out who that address is for, I am not clicking on a link or opening an attachment from an e-mail I was not expecting. 
However, if this is Sunrise Credit Services ( as XXXX suggested ), you can mail a physical letter to the address you have on file - I have yet to receive one from you. 
Also, along with this letter, I demand full verification of the account in which you are trying to collect - copies of the itemized bills, notices, etc., as well as the proof of permission you were given to contact whomever at this e-mail address. 
Please note : This is not a credit dispute or an acknowledgment of debt. The marking of any credit reports as disputed in regards to this verification request will be an FDCPA and an FCRA violation. '' No validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
On XX/XX/XXXX, I emailed them again : " This is my second request for verification on this account. You continue to call and demand payment. 
I still have yet to receive anything in the mail from you. '' Once again, no validation letter/statement received, but their repeated phone calls to my wife and I persisted. 
I just received a phone call ( XX/XX/XXXX, XXXX ) and informed the collector that I've already requested validation on this account twice and I have yet to receive a single piece of paper in the mail from them and their phone calls have continued. 
I informed her that if these demands for payment persist without sending me something so I can validate this debt they're claiming I owe, I will file an official complaint. She acted as if she didn't care and short of laughed at me. She told me that she could dispute the debt and I stopped her and told her I'm not disputing the debt and I don't want it marked as disputed on anyone 's credit report and that I'm simply requesting validation for the third and final time. She, once again, acted like she didn't care.

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 2019-04-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AGENY IS REPORTING FALSE INFORMATION BY CHANGING THE OPEN DATE ON THE CREDIT REPORTS. THAT'S AGAINST THE REPORTING ACT LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CNG FINANCIAL CORPORATION
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The company is XXXX XXXX XXXX. We had an issue with our account being compromised so that account closed and there fore the check didnt go thru. We had moved and didnt have the funds then to pay it. Well mid 2018 there collections dept called and threatened to file criminal charges on my husband. 1 being theft and then the second being theft by deception. We set up a payment arrangement to pay it off. They didnt need to threaten criminal charges we just couldnt find out how to pay it til they called. Well I have worked in collections before and knew that was not ok. This morning some one called looking for my son in law and told me it was important and that there was a case pending against him in XXXX county. I get the number and my son in law calls and they tell him the same thing. That they are going to file criminal charges against him if he doesnt pay this. I looked up the laws and this is clearly a violation. We dont have any receipts because this was 3 years ago for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I submitted disputes to XXXX, Equifax and XXXX requesting the deletion of all medical collections from my credit report and Equifax assigned dispute # XXXX. I submitted another dispute XX/XX/XXXX and was given the same dispute # from Equifax which lead me to believe nothing had been investigated and nothing was going to be investigated. I attempted to access the link that they sent me and upon troubleshooting multiple times kept getting the error message " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' I submitted another dispute just recently to see if that would work and the only thing that it did was finally create a different dispute number but the link for status still does not work. I contacted their office and was told the information could be given verbally and could not be sent via email only by mail. When asked why a result email option would not be available, wasn't provided any additional details. Tried calling this morning XX/XX/XXXX and was looped around the system for 45 minutes. After the system hung up on me, I called back and was told that their systems are updating so I would have to call back in 30 minutes to an hour. This lack of investigation is hindering a refinance and should have been completed in XX/XX/XXXX so we would not have reached this point. The service that I have received thus far is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: KEYCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my unemployment debit card from Key Bank five weeks ago, Key2benefits Card. I only used it once and forgot the PIN? From that moment I've never been able to use it again and Im completely locked out of the system! It won't let me reset my pin on the website, there is no live chat and they don't answer the phone, ever! Theyre holding my money hostage. Please see the million other of the same complaints on XXXX website

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing apperantly was transfered to a new servicing company - my automatic payment was deducted from my checking account by a company I have never heard about before. 

Both transferor servicer and transferee servicer failed to comply with the requirements of the paragraph 1024.33 of Regulation X - I have never received a notice of transfer. 

I would like CFPB to pay attention at these two servicers and audit their compliance with the regulations : XXXX XXXX XXXX XXXX XXXX Thank you!

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 2019-04-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax you validated an alleged account XXXX  XXXX XXXX  that claims to be sold or transfered in your own credit report it does not state in dispute and seems to be sold while in disputeXXXXr XXXX XXXX you state updated validated but not by legal owner that is not reporting this alleged account therefore you did not validate anything, no date of last payment warrents removal of alleged account, no closed date, shows XXXX bal but shows no payment this is not accurrate reporting remove this alleged account not being reported by its alleged owner documents of proof enclosed 15U.S.Code1692 { e } false or misleading repersentation, by you equifax reporting this alleged account you fall under a debt collector.XXXX XXXX XXXX, XXXX United States District Court Azizona XXXX Court rules reporting on a credit report making you a debt collector that is why you equifax fall under 15 U.S.CODE 1692 { e } false and misleading repersentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Atlanticus Services Corporation
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection off with fortivia the beginning of this year. They sent me a letter in the mail to pay the collection in full for a discounted price of XXXX dollars. I paid the amount in full and the collection was never updated in my account as paid in full but instead of charge off which isnt the same. This particular incorrect data has stopped me from getting a new credit card from my new bank in the state of north carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

Truist : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : xxxx open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.

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 2019-04-08
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 information incorrect

Complaint:
I recently had my credit report pulled and noticed that CitiBank, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XX/XX/2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with CitiBank and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you.

Sincerely, 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 2022-01-08
Company: WELLS FARGO & COMPANY
State: AZ
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:
My name is XXXX XXXX you were my account number is XXXX checking account was compromised on XX/XX/XXXX somebody stole my wallet my debit card all my files out of my vehicle my phone was stolen which had access to all my PIN numbers and all my passwords and they went to the bank and started with a mobile deposit of {$850.00} and then they went through {$100.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these were unauthorized transactions I did not authorize these at all Wells Fargo allow these overdrafts to go through up to {$710.00} they have never allowed that much to go through on an overdraft on my account ever why they put that through I do not know my pin was possibly written down on the back of my social security card that was also in my wallet to the ATM closet they had taken when I reported this to Wells Fargo I had an appointment at the branch the banker told me that they could only freeze my account they would not be able to close my account due to the underlying issues I was not okay with that so he said they froze it and that nothing was going to go in and out of my account on the 3rd they put my social security direct deposit through for {$1100.00} they took {$710.00} and made me pay for all of those fees and charges they made me pay for their mistake of overdrafting my account way above the limit when there was no funds in the account it was at a zero balance which should be on call for I've never had a problem with this Bank I've had always a good outstanding account after they took my money they close my account immediately and it's not even been the 10 days has not even been up so I paid for their mistakes of {$700.00} they lied to me they did not honor their zero protection liability and credit me back like they said they were going to be crediting me back for all reversal give me reversals of all charges and fees and then they stole my check the only income that I received from social security why are they even closing my account when they're not even finished with their tendon 10-day investigation process and number two why are they letting these unauthorized withdrawals of up to {$700.00} to go through on my account when they have never in the past allowed for my account to be overdrafted more than {$200.00} limits this is their mistake and I should not have to pay for these mistake and they should not have taken my only income that I received from social security and then they should not have closed 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 2018-10-16
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call on my private telephone number for XXXX XXXX, who is my cousin. I am on the do not call list. At no point in time has he ever used my telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: VA
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:
On two occasions, I have submitted a dispute to Experian regarding a charge off account with XXXX XXXX. My XXXX XXXX account was sold to XXXX XXXX XXXX. I satisfied my obligation to XXXX XXXX XXXX in XX/XX/XXXX by paying the balance in full. I noticed on my credit report  in XX/XX/XXXX, the lack of a XXXX  balance on this reporting account and filed a dispute. This dispute resulted in reporting of new negative activity dated XX/XX/XXXX as Failed to Pay and lowered my credit score. 

I contacted Experian by phone and was directed to resubmit a dispute with additional information showing the obligation had been satisfied in XX/XX/XXXX. This is the text of that submission, which included the final statement from XXXX XXXX XXXX showing final payment and XXXX balance in XX/XX/XXXX. " I previously submitted on XX/XX/XXXX, a dispute to correct the reporting of XXXX XXXX by XXXX XXXX to a status of paid and {$0.00} balance and to remove XXXX XXXX from the reporting line. This dispute resulted in new negative activity to my credit report, as fail to pay in XX/XX/XXXX. I paid XXXX XXXX XXXX the final payment for the collection on XX/XX/XXXX. I do not dispute that the account was a charge off and subsequent collection. I just desire my credit report to show that I satisfied the debt, albeit significantly later. If anything I believe my report should at most reflect the negative data ( assigned to XX/XX/XXXX ) in XX/XX/XXXX, the final data of activity associated with this account or should revert to the status of the XX/XX/XXXX Experian report, which was at least in my favor. '' The result of this re-investigation was another instance of new negative activity dated XX/XX/XXXX, again reporting a recent Failed to Pay activity. I again contacted Experian by phone to discern what I was doing wrong. Experian stated they were reporting the data as received by XXXX XXXX, and suggested I contact XXXX XXXX and file a complaint with CFPB, if I was unable to obtain resolution from XXXX XXXX. I contacted XXXX XXXX and was informed that my account was sold to a third party collection agency and they were " just responding to a request for information from Experian regarding a dispute and what Experian choose to do with the data was their prerogative. '' Additionally, they suggested I wait the seven years for the negative data to expire from the report. 

Thank you,

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