BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I responded to a letter in the mail from this debt collection company. They asked that I send a dispute letter within a certain amount of time if I don't believe the debt is mine. I sent the letter and never got any correspondence back. Today, I get a notification that the debt is being reported to my credit reports. 

The debtor has purchased debt that was a result of identity theft and is reporting is as accurate dispute my dispute letter. The did not respond nor notate the account as fraud. The previous account owner also knew of this fraudulent debt and was not suppose to sell or transfer without notifying the new owner that the debt was discharged due to identity theft. 

XXXX XXXX isn't reputable and does not respond to dispute letters. They only send the letter out to say they are FCRA compliant but they do not abide by the full extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
An fraudulent account was opened in XX/XX/2023 of {$1500.00} on my credit report. I received a letter in the mail on XX/XX/2023 stating the account was going to be closed due to an investigation and proof of it being fraud. Months later the account is still on my credit report ( TransUnion ) which I did not sign or grant permission for my social security number to be used for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And I did not grant permission for the account to be placed on my credit report. The account is fraudulent and I do not take ownership of this account. XXXX and XXXX both have removed the account due to it being fraudulent. Please have this account removed from 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 non-monetary relief
Consumer complaint received 2023-08-27
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested a copy of all three of my credit reports and was shock to see the information on my credit report i was a victim of identity theft I notified my bank to put a freeze on all my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OHXXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-02-27
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
well Macdowell and associates I called to settle my debt XXXX is supposed to be the collector on the my case well I asked her for a settlement amount and she begin to get rude with me about no I can not settle for {$900.00} and I have to meet somewhere close to the amount owed. I don't know why they would place a different amount on my credit report then when I call in the amount is totally different then what is stated on my credit report. I never received any communications about this debt and the only way I found out due to its income tax season and I usually pay my debt off around this time. XXXX seems rude and unethical remarks makes it no better I am not the first to complain about this due to she has her name posted in XXXX review from a complaint another consumer posted that was also trying to settle their debt but could not due to XXXX was very rude and uncanny and hung up the phone on me and the other consumer when I was simply trying to see if we could settle. she began to state that all of her bills were paid and she did not have anything to worry about. okay where did that come from I just want to see If we can meet in the middle somewhere then she began to be very harsh and say what are you offering to pay I gave her a figure and she proceeded to keep telling me repetitive but in a sarcastic way no that's not good enough and she hung the phone up on me when I attempted to call back they would not answer the phone. I have attempted to submit payment to this company and they refused and mailed the payment back since it was not the amount that was agreed on. this incident happened at XXXX on XX/XX/18 ( MacDowell and associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: I.C. System, Inc.
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: Information belongs to someone else

Complaint:
This collection account I.C. SYSYEM INC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 From : XXXX XXXX XXXX, XXXX Cell # XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX To : Fraud Dept ; XXXX XXXX : Dispute Conf. # XXXX Regarding XXXX XXXX  I recently spoke with XXXX who stated that she worked in the Fraud Dept. We were discussing my concerns with having to repeatedly dispute a fraudulent claim by a collection agency who is known to have an awfully bad reputation. I have included documentation from the XXXX XXXX XXXX Profile reflecting that in the last three years this company has 448 complaints filed against them. Please understand that most people do not waste their time to file complaints. I have also included a document from a law firm showing that XXXX lost a {$38.00} XXXX lawsuit in the state of Maryland where I live for filling fraudulent claims, because they had no legal standing. 
As you can see from the Superior Court of The District of Columbia the claim that XXXX filed against me was dismissed and that the defendant has satisfied the obligation to the Plaintiff. Therefore, for this company to continue to claim that I owe them money is fraudulent. Will you please not allow XXXX to continue to violate the law. As you review the Equifax file this claim has been disputed too many times already. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019and XX/XX/2019I received a letter from Portfolio Recovery Associates,LLC
In response to a dispute related to a XXXX XXXX  Credit Card. That did not apply for. 
They stated that I owe XXXX  I have not apply for a XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: Conn's, Inc.
State: WA
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:
Conns XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to XXXXThis has prevented me from finding a suitable home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Attended school from XXXX-XXXX with a few short breaks, for family reasons. I noticed on Fed Student Aid, that my loan amounts do not match with consolidated loan total. According to the Fed website my total loans are {$85000.00} with the breakdown of {$50000.00} consolidated which leaves an original loan amounts of {$35000.00} the difference being {$15000.00}. Navient has sent information regarding the consolidated amount but it seems there is roughly a {$10000.00} difference from my original loan amount and interest. I have been trying to find out if the difference is interest, a missing loan amount or an error. I have also contacted XXXX University, have not heard from them. Navient has sent me the same information, which reviewing is correct because they are going of of the information provided after XXXX. Also contact Fed Student Aid but they referred me back to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions Inc.
State: LA
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:
OnXX/XX/XXXXXXXX XXXX XXXX reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, XXXX XXXX XXXX failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.

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 2019-08-19
Company: Experian Information Solutions Inc.
State: MO
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 XX/XX/2019, I disputed a Chapter XXXX bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to me.

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 2022-10-25
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2019-01-07
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:
I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
this is in reference to complaint number XXXX. 
I sent certified dispute letters to Transunion and XXXX  on XX/XX/XXXX. I have not received any letters or any type of reply from either company. It has been much longer than 30 days you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, PA XXXX.

this is not fixing the issue that you did not respond within the time allowed Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened a checking and savings account with Citi Bank on XX/XX/2020, and was subsequently mailed a debit card and temporary PIN mailer. Because I was just going to use the accounts as a savings account, I never planned on activating the debit card and stored the debit card and Temporary PIN mailer together in my bedside table in my bedroom. 

On XX/XX/XXXX I moved out of my house into an apartment. During the move, apparently the debit card and PIN mailer had fallen out and someone had picked them up. On XX/XX/XXXX, whoever got the card was able to activate by using the temporary PIN at an ATM. Once the card had been activated, they spent approximately {$4600.00} before Citi Bank notified me of potentially fraudulent activity.

Upon receiving a call from the Citi Fraud department, I immediately let them know that none of the charges made on the account were made by me and the Citi representative assured me they would cancel the card, send a new one, and that all the money would be refunded to me.

Since then, Citi denied my appeal of the charges, I have appealed roughly 7 more times with the same result, filed a police report and have gained the ATM footage of the woman using my card, and have spent roughly 20 hours on the phone with Citi.

I have written a 5 page letter to them explaining what happened and have included the police report and the ATM footage of the suspect.

Every time I call to verify that they have received the letter via fax, they tell me I have sent it to the wrong location and give me a new fax number to send it to. I have faxed the letter five times and sent a hard copy in the mail and they still can not confirm receipt of the letter.

Additionally, they refuse to contact the XXXX county police officer that conducted the investigation on my behalf and when I asked if he could contact them, they told me " He can call our general customer service line if he wants ''.

This has been the most unprofessional and frustrating banking experience in my life. I plan on escalating this matter to small claims court and suing Citi for their lack of in-place security as to how someone could activate my debit card without me knowing and spend that much money without any notification.

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 2023-09-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been having nothing but false promises with this bank from day one from personal to business checking accounts. They were running a special that if you open the account with us you will get {$300.00}. Once you open the account they can't figure out the codes to apply the {$300.00} special. They advertise you won't get overdrafts with them. However, I have been getting nothing but overdrafts. I asked them to set up overdraft protection after they kept saying they could not get the system to refund the overdrafts but today was the final straw. I did my due diligence to protect my accounts. I went in and set up overdraft and they overdrafted me again on the XXXX. I went in to the branch today she said I am sorry but it was not set up correctly but I will fix it. The same response as before I requested a refund but the system won't give the refund. This is not fair and they know it is their error. She claimed there is nothing she can do at the Truist at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I see numerous complaints on XXXX but nothing is being done about their false promises about giving the promotional dollars or the overdrafts. They are not taking responsibility by saying the system won't refund the error for the overdraft fees. There are humans in the branch that can not function in an ethical manner because they are hiding behind the computer. I would like my {$36.00} overdraft fee refunded because I have done all I can do to protect my account and they are not being honest. The money was available and I did my part.

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