BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I obtained my credit report from TransUnion, file # XXXX and noticed a hard inquiry was recorded on my report from XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted TransUnion to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The male employee informed me that he could not do anything to assist me, would not remove the hard inquiry, and that it was my responsibility to contact XXXX and obtain a letter from them verifying I did not apply for credit. Also, he informed me that this would stay on my credit report until they receive a letter from the company. He would not provide me any information regarding the individual who requested the credit. I asked to speak to a supervisor and he refused to let me talk to one. I requested to have a fraudulent inquiry put on my file to ensure this does not occur again.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX nor transunion  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C.  Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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 2020-05-13
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
My Wells Fargo Credit card has not report since XX/XX/2020. Since that time Wells Fargo should have reported twice. It is still showing my outstanding balance as {$7600.00} from that date. Since then I have paid my account down to {$2800.00}. I have called Wells Fargo last month and this month and they have not been able to rectify this situation. I have also sent them a letter 0n XXXX XXXX concerning this situation and there hasn't been any response from 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 non-monetary relief
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all XXXX XXXX accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, 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 2018-07-10
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A short while before XXXX XXXX on Tuesday, XX/XX/2018, I went to USBank in  XXXX XXXX, Ohio, - with whom I have been a customer in good standing for many years. I had the intention of depositing a check from XXXX in the amount of {$54000.00} payable to me. I approached teller XXXX XXXX, showed her the check, informed her of my account number, and inquired about the availability of the funds. She was clueless. She had no idea. She said that she would get the manager. But, she came back without the manager. All of a sudden another teller XXXX XXXX, without being asked, barged into the conversation. She came over to me and rudely and arrogantly told me that I had no right to ask about the availability of funds. I demanded to know, but instead I was given a receipt for the check ( I did not fill out a deposit slip ) - which I had not yet authorized to be deposited - and was handed a notice of hold - still without having been informed of the funds availability. It is wrong, and against public policy, for USBANK to 1 )  not train its tellers about funds availability 2 ) have its employees act rudely and arrogantly 3 ) tell customers that that they have no right to ask about funds availability 4 ) deposit a customer 's check without authorization and before answering a customer 's question 5 ) not make available {$600.00} per federal regulations 6 ) hold the bulk of the money WITHOUT INTEREST for far longer than most banks, many of which make the funds available the next day and at maximum five days. 7 ) deceive the public by lying in its written policy that funds will be available NO LATER than seven business days, when in fact, holding funds seven business days is its standard policy. When banks receive deposited funds in most cases the next business day, it is time for the federal government to issue regulations limiting holds in all but suspicious instances, to much fewer days, such as one or two business days. The GREED and ANTI-CUSTOMER BEHAVIOR OF US BANK motivates me to now start looking to do business with a local community bank or a credit union, and, when appropriate, close my account at USBANK - another good customer to be lost AND no more free use of my money by a hostile, anti-consumer big bank.

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 2020-05-13
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC  regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected. 

On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years. 

On XX/XX/XXXX, I e-mailed FFCC  a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC  advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX. 

FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine. 

FFCC  is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}. 

I am filing this complaint against FFCC to resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a couple of calls in XX/XX/XXXX from XXXX and when I answer, no one is there. Did a XXXX search and read that it was a debt collector called capital management and that the call is set up to force you to call them back and then they'll ask for your personal info. They call almost daily now and I don't answer. I blocked the call, but my phone still shows that they called. I've never received anything in the mail stating that I owe any company money, so, I'm pretty sure this is a scam.

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 2018-07-10
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a telephone call from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 informing me that I had a debt with them in the amount of {$1700.00}. I am unaware of signing any type of agreement or owing XXXX XXXX XXXX XXXX XXXX any debt. Therefore, on XX/XX/2018 I mailed XXXX XXXX XXXX, XXXX a validation letter describing all the information I was requesting for said debt. The certified letter was received by Midland onXX/XX/2018. I then received a generic letter asking what information I was requesting. As you will see the request for information is clearly stated in the original letter I sent them dated XX/XX/2018. The company also included a statement from XXXX XXXX XXXX. Due to the fraudulent practices of XXXX XXXX XXXX I do not know that this is truly a debt of mine that is due to them. I checked my credit report today XX/XX/2018 and they have a derogatory account on my record. I would like this to be removed if they can not provide me the validation of this debt. I have no proof this is legitimate. I also requested in the validation letter that any bad marks be removed from my credit report. I greatly appreciate your assistance with this matter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a check made out to Me from a XXXX XXXX auto group account at Key Bank was deposited into a XXXX XXXX account incorrectly as someone else intercepted the check and sent it to XXXX XXXX for Processing. The check was for {$710.00}. This was money contractually to me from the car dealership. 
I submitted a complaint to CFPB about XXXX XXXX not correcting this timely and they returned the money to Key Bank on XX/XX/18. The next step was to follow up with the car dealership. I did this on XX/XX/XXXX. The dealership will not cut me another check until Key Bank credits their account the {$710.00}. It has been 10 days since the money was returned to Key bank and I still do not have a check from the car dealership as their account has not been credited by Key Bank. This is an unacceptable delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to  section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Yours 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 2020-05-13
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:
This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. Transunion would not respond to my efforts, the accounts that are fraudulent are as follows : 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 explanation
Consumer complaint received 2019-09-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter for account number ( unknown because I couldn't read the letter ) at address XXXX XXXX XXXX, XXXX, California, XXXX, that was confusing and inaccurate because it was sent in XXXX. I have no idea what the letter says because I do not speak XXXX nor do I understand it. Was this letter sent in XXXX because my last name is XXXX? Why did Midland Credit Management send me a letter in XXXX based on my last name? I feel these were discriminating assumptions and I'm ready to file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission. I've attached the letter that was sent and signed by XXXX XXXX? Does he speak XXXX? If so, I'd like him to contact me so I can get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: OH
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:
The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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:
XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud  Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX   XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Mr. Cooper Group Inc.
State: TN
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 have called Mr. Cooper numerous times every day since after XXXX to get them to report to the credit bureau a 30 day late payment from XX/XX/XXXX and also that my account was paid off on XX/XX/XXXX in order to proceed with a new loan. All my new lender needs is a leader head with Mr. Cooper on it, my name, account number, and stating that I was 30 days late in XX/XX/XXXX and loan was paid off in XX/XX/XXXX. Mr. Cooper has refused to deliver that document. I need this expedited because we will be homeless after XX/XX/XXXX if this loan doesnt go through. 2 representatives at Mr Cooper said they would send the letter I needed, but I haven't received anything. Also had a representative from XXXX 3way call myself and Mr.cooper yesterday XX/XX/XXXX to satisfy their criteria, however, XXXX   doesn't do 3 way calls, so my family and myself are at the mercy of Mr.cooper and getting nowhere. I would like help to force them to report to the credit bureau or give me that specific letter. Also found out Mr.cooper hase n't reported anything since XX/XX/XXXX. Very nerve racking. Aweful customer service for 5 years now and not accommodating at all. I will tell everyone I know to run from Mr.cooper. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an insurance claim and I was not able to use those funds to pay off my loan I had my home in escrow and I was dragged on for weeks and months not knowing what the outcome was for me to come up with 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