BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of XXXX  XXXX XXXX. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.

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 2018-09-26
Company: American Revenue Management, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I looked at my credit report and saw that there was a delinquent account added by American Revenue Management ( XXXX ) XXXX-XXXX for {$4200.00} that was openned XX/XX/18. I called the number and the person on the phone read letters that were supposedly sent to me but I never received. None of these letters stated my right to dispute this debt that was placed on my report. This is a violation of the fair credit act. This is not my debt. I demanded they remove it from my credit and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid and closed my Elan Visa credit card on XX/XX/XXXX. It is a secured card and the company has not reported it closed to XXXX or XXXX, nor have they returned my {$300.00}. I called and they said even though I had paid, I would have to send a letter stating to close the account. I did that in XX/XX/XXXX and they have not returned my money nor has the credit report been updated. I have a perfect credit history with them and there is no reason not to return my security deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
US DIST CT Bankruptcy : Discharged CH-XXXX Original filing date : XX/XX/2015 This is showing on my report and not accurate.

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 2019-10-14
Company: AmeriCollect
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a letter that I just sent Americollect. I am enclosing all of the attachments that shows the bills and the other correspondence. 

Americollect, I am enclosing all of the attachments that You requested.I called the other day to pay a {$160.00} and a {$150.00} bill that is showing up on my credit reports. I agreed to pay it because the dates of service are different from the dates of service that I have charity for. I am enclosing these charity letters.The girl that I talked to on the phone took a payment of {$310.00} over the phone. What I did not know is that she did not include the {$160.00} on this payment, but switched it to the other small bills, that I have charity for. I want the right bill ( {$160.00} ) credited, and I want both of these bills that I paid taken off of my credit reports.I also want you to review my charity letters, and close my file.Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/2015, I checked my credit report and discovered a collections account with the amount of {$640.00} owed to my previous apartment complex. I contacted the creditor to find out more information about the debt owed and received a letter containing the amount owed and a complete breakdown of charges. 

Upon receiving the charges, I noticed additional charges added to my account on the original creditor 's behalf. I.E. the creditor decided to replace all of the carpets in the apartment on their own behalf and charge me for the carpet repair. The carpet had been used under normal wear and tear conditions thus I should not have been charged. Luckily, I always prepare for situations like these when leaving apartments and I took an exit property video showing the condition of the entire apartment on the last day of occupancy. 

I contacted the agency and provided them with the video needed to support my claim. 
My initial contact with them in regards to the adjustment was denied. I followed up again with a written document requesting that the balance owed be adjusted to the correct amount and I agreed to pay the correct amount owed under the terms that they cease reporting to the credit bureaus. 

I received a response in which they ignored my offer for the correct balance payment and they offered a reduced number amount but also ignored my request to end reporting this account as negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Sequium Asset Solutions, LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified on XX/XX/2020 by my credit card company ( XXXX XXXX XXXX ) that my credit score plummeted 133 point from XXXX. So I ran my credit reports to see what the issue was. Apparently, I was referred to collections ( Sequium Asset Solutions Inc. ) on XX/XX/2020 by XXXX  XXXX for {$690.00}. I have never done business with either, XXXX  XXXX  or Sequium Asset Solutions, or received any communications. 

I proceeded to call XXXX XXXX  on XX/XX/2020 to see what the issue was. They told me they had no records of me!! Then I called Sequium Asset Solutions on XX/XX/2020 and they had no records of me. 

I spoke with representatives from XXXX, XXXX  and XXXX  to file fraud complaints ( XX/XX/2020 ). To date, XXXX has restored my credit score back to XXXX. I am still waiting for resolutions from the other two credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank mortgage. Our home is in Florida. We received one month 's mortgage forebearance after Hurricane Irma on XX/XX/XXXX because my husband was out of work for almost a month. M & T referred us to XXXX who advised us to overpay our mortgage payments in XX/XX/XXXX and XX/XX/XXXX in order to avoid having to go on a payment plan. We did so. In XX/XX/XXXX, we realized they had applied the overpayment to the principal, not the missed payment. Called M & T was assured it was sorted out. In XX/XX/XXXX, I called M & T upon making the final portion of the missed payment to ensure all the money was directed to the missed mortgage payment. Was assured that it was. In XX/XX/XXXX, we received a {$59.00} late fee, notice of missed mortgage payment. Called again. Was refunded the {$59.00} late fee and assured AGAIN that the overpayments were applied to the missed payment. In XX/XX/XXXX, had ANOTHER {$59.00} late fee and notice of missed payment. Spent another hour on the phone with rep. It now appears to be sorted out ; however, our XXXX statement of mortgage interest for XX/XX/XXXX is understated by one mortgage payment or approximately {$800.00}. Was assured on Monday, XX/XX/XXXX that the statement would be corrected and would be available in a couple of days. Called again on XX/XX/XXXX and was told the statement hadn't even been ordered. My taxes are already with the accountant and the amount will have to be estimated now. I would like to know how to report M & T for fraudulent business practices. Misreporting mortgage interest on a federal form would seem to be a crime to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: PA
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:
US DIST CT Bankruptcy : Discharged CH-XXXX Original filing date : XX/XX/2015 This is showing on my report and not accurate.

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 2020-12-09
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have paid my balance in full to XXXX  XXXX XXXX  and received acknowledgement when I moved out. I had XXXX balance. Hunter Warfield is claiming had a balance and trying to make me settle for 1/2 the amount. They're trying to get me to go to XXXX  and 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 explanation
Consumer complaint received 2020-12-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It's impossible to reach Experian over the phone. This has been my experience in the past 4 weeks when trying : 1. Being disconnected after a long hold ; 2. Being disconnected when someone who introduced herself as XXXX ( with a heavy XXXX accent ) replied but before I even began explaining what I need ; this was the only time when I was able to reach a human being out of at least XXXX attempts ; 3. Lately there has been no option to reach a person for any reason, there are only a couple of automated options that don't cover my needs. 

Also the options to dispute on line are limited to elements selected by Experian and their responses are extremely vague.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Account status incorrect

Complaint:
The late payment on my account came from me being a victim of identity thief I have police reports which I sent to the credit borough numerous times still has not been deleted. I am in the process of obtaining a Mortgage and this information is hurting me very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A while back, I had filed a complaint against PNC Bank with CFPB because they were repeatedly sending spam mail. 

At that time, PNC Bank had responded to the CFPB complaint and permanently opted out my name and mailing address from the mailing list they use for sending spam mail. 

Now, after a long time, I have started receiving new spam mail from PNC Bank. 

I have attached scanned copies of the front and back of the new spam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
I have disputed an account on my XXXX, XXXX and Transunion report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, XXXX  and Transunion to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, XXXX  and Transunion as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # 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 2021-02-24
Company: Experian Information Solutions 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:
The account named XXXX XXXX BANK 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. There fore this account should be delete completely 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 explanation
Consumer complaint received 2021-01-26
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I spoke to Hyundai financial in the month of XXXX and XXXX and they advised me that once I made 6 payments they would give me. Deferment. I call in XXXX and after I made the 6 payments and they told me that I would need to wait 12 months. I called them almost three weeks ago and requested to have the calls from XXXX and XXXX pulled so that could hear what was said to them a supervisor was supposed to call me within 72 hours after they listened to the calls and after 3 weeks I still have not heard anything. I need a resolution ASAP because they are pretty much taking my issue for granted.

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 2020-05-31
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-02-21
Company: WELLS FARGO & COMPANY
State: FL
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:
i found a great deal from a reputable sneaker company in settle called XXXX XXXX from a website called XXXX. i pursed a pallet of 40 sneakers and paid expedited shipping for it and never received almost after the expedited shipping date that was XXXX XXXX past i tried sending them a email and the email was sent back because it didnt work. i tried the phone number and the phone number was for the IRS. i XXXX search the address and was a hotel/XXXX center. after that i contacted my card and told them to file a dispute because it seems it was a fraud. after two weeks i received a box from a overseas company with a cigar box and a thank you note. i send it back with XXXX since i didn't order it and didnt know whats going on. 
Wells Fargo contact me saying that my claim was denied since i authorized and they send me a tracking i was so confused. and right away went to the police and ask them to provide me with the contact information from that company and to prove that they send me a pallet of 40 shows! worst bank ever doesn't protect there customer from anything i went to the police and open a police report and provided the number right away with wellsfargo and they told me they didnt care about the police report. that i can contact who ever i wanted but wellsfargo is not loosing the money because i authorized the transaction. the transaction in my credit card showed it was from explore XXXX so i contact them and tank to XXXX / XXXX and they told me that they didnt have any records or me and that i was scammed. to contact the bank i send them the police report and they told me to contact the bank. the police told me to open a Cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Several thousand dollars were withdrawn from my personal savings account without my authorization approximately {$11000.00} in 2010. I have tried several years try to settle this account to no avail. XXXX XXXX of the XXXX location here in Texas involved himself stating lies to Wells Fargo to justify this deception.

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 2023-01-10
Company: Resurgent Capital Services L.P.
State: OH
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 XXXX is a debt buyer.I have been fighting them for about 2 years.The account is over 6 years old They are in violations of rules and regulations that protect my rights.They re-aged a debt and not using the date of last payment from original creditor. Nor have they sent me validation. XXXX keeps allowing it.They have not validated any dates from original debt owner .Just the dates THEY " LVNV '' took ownership.The account has hit the 7 year mark of original debt owner.They are not in compliance and I have disputed with the credit bureau 's several times.This account needs to be removed for invalid dates and practices by LVNV.If not resolved my next step is a lawsuit for illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 2 ) That all correspondence be by d irect mail to my home or by email t
o XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

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