BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX HOARDERS Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated 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 2022-01-11
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XX/XX/XXXX I receiveda debt collection notice in the mail from I.Q. Data International , Inc. for a debt to XXXX XXXX XXXX for {$190.00}. When I called I.Q. Data International explained that the {$190.00} is due for cable and utilities from XXXX. Since I never receiveda bill from XXXX XXXX XXXX for {$190.00}, and in fact only ever received a bill on XX/XX/XXXX for {$110.00} for the same period of time ( XXXX ), I told the representatives at I.Q. Data International , Inc. that I would like to contact XXXX XXXX XXXX to understand 1 ) why I never received a bill for the alleged {$190.00} that is now in collections and 2 ) why I am being billed for the same period multiple times. 

2 different representatives at I.Q. Data International , Inc., first a male and then a female, threatened that if I did not immediately pay or give them my employment information they would report the debt to the credit bureau and damage my credit. After explaining to the male representative that I had no problem paying for a bill that was due, but first wanted to contact XXXX XXXX XXXX to get a copy of the bill since I never received it, he told me that if I did not provide my employment information before hanging up he would report me as refusing to make payment. I specifically stated that since it was a recorded line I would like to state that I had full intent to make the payment, however, I wanted to speak to XXXX XXXX XXXX to receive a copy of the bill first. I was then put on hold and a very aggressive female took my call next. She was extremely rude, would not let me speak or ask questions, and again threatened that my credit would be damaged if I did not pay immediately over the phone. When asked for a breakdown of the itemized charges on the bill she spoke very fast and even after asking her to slow down because I was writting down the information she did not. I was not able to get an understanding of what was due since she would not slow down. She then tried to state that I should hang up the phone so that she could close my file and have it sent to the credit bureau. Again on a recorded line I stated that I had no intention to hang up the phone and asked her what my options were. She was not very clear but said I could hang up or she could close my file. I said thank you, and she said goodbye but she did not hang up the phone. I did not hang up either because I thought she may still be trying to " make me '' hang up the phone. I remained silent on the line until she hung up. 

I immediately contacted XXXX XXXX XXXX to ask for a copy of the bill that is now in collections, and why I am being billed multiple times for the same period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit reports from a collection agency called Commonwealth Financial. This collection agency is reporting a collection that has already been disputed and removed by XXXX XXXX. This collection was not mine and now they are trying to collect on the very same account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Used XXXX for first time with Bank of America. A buyer for an item sent me a cashiers check which I deposited to my account. the bank accepted and deposited it into my account but a day or so later then took the money back from my account. When I called to inquire, They stated that they found out the check was counterfeit. Of course by then I had already transferred money deposited from the cashiers check to someone at the scammers request through XXXX. Amount lost was a whopping {$1300.00}. Now my account is overdrawn and I cant pay my bills. I have had BOA for 25 and trusted them and never had any issues nor been a victim of a scam yet they wont help me get my money back. They promote XXXX on their mobile app but they really shouldnt since they arent backing the fraud and scams with it. Can you please help 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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Transunion to have the fraudulent inquiries on my account removed and they will not remove these inquiries. The representatives keep telling me to speak directly with the companies, however, the companies keep telling me to call Transunion. The companies are XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual

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 2022-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My second mortgage loan is currently being serviced by Select Portfolio Servicing ( SPS ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SPS is refusing to offer loss mitigation assistance or process a loan modification. They will not take in a standard loss mitigation package and process it accordingly. SPS is stating they will only offer cash for keys in order to avoid foreclosure proceedings. I am XXXX military veteran that has been offered loan modification assistance through my first mortgage with XXXX XXXX. SPS has stated that they will not offer the same loan modification assistance as XXXX XXXX, due to internal rules. SPS will not contact the VA regarding the Covid-19 refund modification, where the VA will pay back the alleged delinquency of {$11000.00}. SPS has also sent all delinquency and foreclosure information to XXXX XXXX XXXX, XXXX, OH XXXX, which is the wrong address. Therefore, I have not been notified per Virginia law 55.1-337. 
SPS is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB 1024.41. The rules listed below clarify the obligations of SPS ( see below ). 
1024.41 Loss mitigation procedures.

CFPB Rule 41 ( b ) ( 3 ) 1. Foreclosure sale not scheduled. If no foreclosure sale has been scheduled as of the date that a complete loss mitigation application is received, the application is considered to have been received more than 90 days before any foreclosure sale. 
2. Foreclosure sale re-scheduled. The protections under 1024.41 that have been determined to apply to a borrower pursuant to 1024.41 ( b ) ( 3 ) remain in effect thereafter, even if a foreclosure sale is later scheduled or rescheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit is reporting that I owe money to them. 
I have filed disputes with XXXX asking that their claim be validated. 
They can not verify that I owe a debt with them but continue to send me letters next day air threatening to sue me if I dont pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section I602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called AMEX on XX/XX/2023 to ask about why I am not receiving my everyday spend points along with my sign up bonus offer ( XXXX XXXX XXXX ) and was told that AMEX had a glitch in the system. Rep advised that this should be resolved by XX/XX/XXXX. If not, I should call back. Points are still missing so I call back XXXX XXXX and spoke with 3 different reps ( XXXX, XXXX - supervisor, XXXX - manager ). Each rep gave conflicting information and was told to call back XX/XX/XXXX. I ended up calling again on XX/XX/XXXX and spoke with XXXX. I was told the pending points should be released by XXXX XXXX, or earlier. As of today, 3 statement periods later still no points! I understand having to wait 8-12 weeks for the sign up bonus offer, but that doesn't explain why I'm not getting my everyday spend points. I call again on XXXX XXXX, spoke with XXXX and was told it has not been 12 weeks since I met my minimum spend ( even though I was advised by XXXX to call back on XXXX XXXX because that would be exactly 12 weeks since I met my minimum spend ), and once again, was asked to call back! I asked to be transferred to a supervisor and spoke with XXXX ( floor supervisor ) and apparently there's a delay in AMEX system. She was not able to tell me when this issue would be resolved and told me that the pending points should be deposited into my account on my next statement period which is XXXX XXXX and I should not have to call back. Doesn't seem like that is the case because I have had to call multiple times, explained my issue to 7 different reps at this time, and each rep still giving me conflicting information. I only applied for this card because I was promised an offer and AMEX did not deliver. This is not acceptable. I expect more from AMEX with their reputation & would not recommend AMEX to my friends or family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
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 is missing that should be on the report

Complaint:
On XXXX-XXXX-2017 I noticed on my Equifax report that my available credit went from around 10-11k to XXXX. I noticed there were a whole bunch of things that were removed without my consent. I contacted two of the creditors who stated they would send the information to Equifax. I then contacted Equifax and spoke to a representative who stated they did n't remove it but the creditors requested it removed. I asked for a supervisor and also contacted one of my creditors to do a conference call so she can tell them they never requested the account removed. When the supervisor got on the phone, I informed him I had XXXX on the phone. The rep from Equifax then became very hostile and kept saying he can not do a conference call. He then proceeded to hang up. Again, this company is crooked, they do n't do disputes and they remove whatever they want and then blame it on the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CBC Companies, 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:
I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. INNOVIS ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). INNOVIS assumed the role WITHOUT my written permission nor consent. INNOVIS did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that INNOVIS exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. INNOVIS did not exercise their grave responsibilities. INNOVIS is unfair, partial, and disrespecting my right to privacy by reporting the current information INNOVIS have on file about me. INNOVIS NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) INNOVIS may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. INNOVIS HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! NOT ONLY DID INNOVIS HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, INNOVIS DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT INNOVIS RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC. 1 ) INNOVIS should not even have any information about me in the first place because I never gave consent to any information about me being shared to INNOVIS nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) INNOVIS NEVER communicated with me about any information that INNOVIS reported about me on my consumer report in their initial investigation. 
INNOVIS IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. INNOVIS IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS INNOVIS FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!! I DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT INNOVIS REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!! Peace, love, and prosperity to the reader of this complaint. I DEMAND A RESPONSE FROM YOU WITHIN 15 DAYS UPON RECEIPT OF THIS COMPLAINT!! 

ATTACHED IS A RECENT COPY OF MY CONSUMER REPORT AND PROPER IDENTIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is regarding XXXX visa card by Citi Bank. Citi bank says they mailed us the card which we never received. We do not even know the full credit cards number. The only number show on the statement shows account number ending in:XXXX Statement dated XX/XX/XXXX to XX/XX/XXXX. Another statement dated XX/XX/XXXX to XX/XX/XXXX states account number ending in:XXXX. To our understanding these relates to the same account. We learned about this card when we got the first statement in XX/XX/XXXX.  Since then we have gone to XXXX, Citi Bank local branches and have called many times to Citi Bank. They have repeatedly told us that we are not responsible for any of the charges as it is fraud. We also have a letter dated XX/XX/XXXX from Citi stating that they have received our complaint and they are working on it. 
We did not hear from Citi and thought that they have resolved the issue and we are OK. However, recently we got a call from XXXX ( Extension XXXX ) saying that they are trying to collect due payment from us. We also got the letter from Citi that they have sold the account ( ending in XXXX ) to XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX ). We also got a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, River Edge, NJ XXXX, XXXX ) trying to collect debt from us of which we are not responsible! We also have informed XXXX XXXX ( XXXX, ext. XXXX ) that we are going to report this issue to Consumer Financial Protection Bureau. We have done all we can on our part. We have never used the Citi Bank Visa Card in dispute, we never received it. We have nothing to do with this account. This all happened when XXXX XXXX XXXX was converted to Citi Visa. We currently have XXXX XXXX XXXX ( account ending : XXXX ) which we use and pay. We have told this to XXXX XXXX  on day one when we files our complaint. Citi knows it ans we are in good standing.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX to correct this error. The XXXX credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on 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 2023-10-04
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They reported to credit bureau that I have an account in collections with them ( Wakefield and Associates XXXX ) from " XXXX XXXX XXXX '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.

Company response to consumer: Closed with explanation