BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland funding llc filed a complaint against me in XXXX Magistrate court court in XXXX county south Carolina. I followed civil rules of procedure in which I had 30 days to answer ( served on XX/XX/XXXX ). According to civil rules of procedure I had 30 days in which to answer excluding the date of service, weekends and holidays. I filed an answer Today on XX/XX/XXXX in answer citing the CFPB consent order in which they violated the order. The magistrate court of XXXX XXXX refused my answer stating that I only had 30 days which included weekends and holidays. XXXX XXXX used the robo signed affidavit of account, attached a validation of debt letter directly to the complaint, never sent it to me to deceive the court that one was sent. XXXX XXXX did not have ANY account level documentation to prove a debt. XXXX XXXX violated the consent order and used everything that was prohibited including XXXX, FDCPA, Fair Credit reporting ACT, Abuse of process collected a default in excess, escalated fees. XXXX XXXX was the Law firm formerly XXXX. I do not owe them. XXXX XXXX is still filing these deceptive complaints ignoring the consent order and making a laughing stock out of the CFPB. I will send you a copy of the complaint and my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, 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 called to make Equifax on X/XX/2017 to get a collection removed from my credit report because the collection agency that my information was given to, was not licensed in the state of Florida to collect a debt at the time. Instead of deleting the collection from my credit report, they disputed it and then sent me an email stating that the company sent over proper documentation to that proves that the debt was mine. My argument is not that the debt is not mine, I am upset that my info was given to a unlicensed company. I do n't feel comfortable sending my money to a company that does not have a license to do so. I would like for Equifax to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied to refinance my mortgage with Wells Fargo last XXXX. To the best of my knowledge, I was approved.I spoke with XXXX & XXXX and everything was fine. After my home appraisal, I lost communication with my loan officer for a month and a half. I tried filed a complaint with Wells Fargo which got drawn out until last week, It appears the resolution specialist wanted to wait until I closed the loan to notify me everything was good. No investigation was done. 
We finally closed the loan last week. I was assured the closing company would send the checks to my debtors. It appears they tried saving postage and mailed me all 3 checks. I sent the checks to my creditors last week and so far, 2 of the checks have been returned by the closing company 's bank. 
Wells Fargo and their 'independent ' closing company have made my credit drop almost 100 points due to my debt usage. I have payments that have to be paid by the XXXX and because of whatever is going on with Wells Fargo, it appears I have to pay these creditors even though it was not in my budget. 
Wells Fargo has been incompetent, nonchalant and very careless with this process. They have a big name tat I expected better from, but so far I have received 1 star treatment, 1 star service and 1 star competence. I am not sure if they do not know what they are doing or if they just won't do their job. On the other hand, it could be some sort of profiling. I've tried wrapping my mind around everything going on, and their actions make no sense.

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 2020-02-26
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
As I talk to citi bank Clerk in XX/XX/XXXX, the Clerk confirm that I owe check plus {$6500.00} not $ XXXX.following days, I transfer {$1200.00} inXX/XX/XXXX statement show I owe $ XXXX.inXX/XX/XXXX I transfer {$200.00} Statement show I owe {$1400.00}, in XX/XX/XXXX I transfer {$2000.00} The statement show I owe {$3400.00} everything correct from that day, but in XX/XX/XXXX I transfer {$3100.00} after I make transfer suppose statement will be {$6500.00} but the statement show $ XXXX.before I made transfer I'll see how much balance, then I made transfer. So there is wrong about the online banking system, there is {$900.00} over charge from checking plus.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inaccurate information on credit report. Please update and investigate and report accurate information on 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 2019-04-25
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To the Team Members who handle complaints ; I live in XXXX IN. My complaint is with Huntington   Bank. 
Issues that I have : 1. Funds deposited to my checking account with Huntington  Bank from a check which cleared over a week ago ; are still withheld without any portion of the funds being released. 
2. I was given multiple/conflicting time frames for which the funds from the check would be released. The policy for holding deposited checks appear to be arbitrary. 
3. Huntington has had several issues with XXXX American customers over the past several months. My check coming from a XXXX Organization appears to follow some of the same unfair and difficult to follow rules that the bank has exhibited in the past few months. 
I have had an account with this back since XXXX of XXXX. I have not had a XXXX balance on my checking or savings accounts. I have not had any NSF/Returned checks/ or fees to these accounts. 
On Tuesday XX/XX/XXXX, I deposited a check for XXXX. These check was from XXXX XXXX XXXX XXXX XXXX, from a XXXX XXXX XXXX  checking account. I contacted Huntingtons call center on Wed because the funds were not available, to see when the funds would be available, I was told the funds would be available 48 hrs. from date of deposit. 
On Friday XX/XX/XXXX, the funds were not showing in my account. I called the call center again. This time I was told the funds would be held for 7 days from deposit. I asked to speak with a supervisor. 
The supervisor that I spoke with was XXXX from Michigan. She was extremely rude and uncaring about my situation. She told me that the bank could hold my check for up to 1 YEAR if they wanted. 
I contacted XXXX XXXX XXXX, to see when they would send the funds to Huntington Bank. To my surprise the check had cleared XXXX XXXX XXXX on XX/XX/XXXX. I decided to go to the branch where I had opened my account with Huntington to see if a manager there would be of assistance. I also brought with me the document showing that check # XXXX, for {$2700.00} had cleared, which was the check that was written to me. 
I was told by the manager there that the check would be held for 10 business days from deposit and NONE of the funds would be made available before that time. The holding time for a deposited check appears arbitrary. 
As of Today XX/XX/XXXX Huntington Bank has not released any of my funds. 
Customer Service/Customer Caring surrounding my issue was/is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/2020 about XXXX eastern time i called Transunion XXXXXX/XX/XXXX andXX/XX/XXXX to kindly remove incorrect personal information as far as my name and address that are on credit report which is affecting my credit score but they were being rude, had we on wait for about 15mins and they just wouldn't comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Denied credit. Freeze has been released. No response from Synchrony 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 non-monetary relief
Consumer complaint received 2020-02-26
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 submitted a credit dispute relating to a XXXX XXXX XXXX Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called XXXX XXXX XXXX and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.

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 2018-03-17
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: Account information incorrect

Complaint:
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with XXXX, XXXX and Transunion the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: CL Holdings LLC
State: IN
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:
XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a past due fee of {$38.00} on XX/XX/2020 My Payment due date is & was XX/XX/2020 & was paid on that date! 
I received a confirmation of my payment being made along with a confirmation # of their receiving the correct amount I have attempted to correct this with the credit card companys representative & Senior management department on XX/XX/2020 & XX/XX/2020 They have refused to correct this fee They always have a different story or reason as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: CA
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 applied for a credit card at XXXX XXXX todayXX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a XXXX XXXX  Credit Card where I make a {$50.00} minimum payment. I recently had gone through a financial hardship and had been late making a few payments. XXXX transferred to a collection name Midland Funding LLC. It was posted on my 3 credit bureaus on XX/XX/2016 with the amount of {$1900.00}. Midland funding began to get a lawyer and talked with my employer who then started to garnish my wages. Total balance is now {$880.00} and I had to leave my job because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get 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 2017-07-31
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached historyof payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief