BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: ProCollect, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into an apartment complex called XXXX  XXXX  XXXX  XXXX in XX/XX/XXXX. When I moved out in XX/XX/XXXX, I paid off everything I owed to them, including utilities and whatever else I owed. In XX/XX/XXXX, I started receiving pre-collection notices in which threatened they were going to take further legal action if I don't pay. I was very confused by this since I paid everything off in XXXX and wasn't living there anymore. Why was I getting these emails in XXXX? So I called the office at the XXXX  numerous times and they offered no assistance, all they said were these are charges from XXXX. But I paid everything off in XXXX, to the manager. I tried to contact the debt collector and the same thing happened ; no responses. After a little while, a collection account popped up on my credit report. I'm not sure why this happened. I believe It was something personal because I seriously did nothing wrong. Im just a college student. This " {$110.00} '' is jeopardizing everything for 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 2019-09-12
Company: PNC Bank N.A.
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 called PNC Bank over 2 months ago ( XX/XX/2019 ) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed PNC I would be leaving the country for 7 weeks and needed the pin ASAP. The PNC rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from XXXX stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the PNC rep I needed to submit It in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid to XXXX and i was given conformation # XXXX. I want this removed from my credit report immediately. XXXX used hidden fees and charged me even without a contract.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
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:
XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : DEPT OF EDXXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Transunion : XXXX  XXXX  {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late XXXX XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date Opened0XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.

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 2018-02-15
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: Personal information incorrect

Complaint:
On XXXX I filed an Online Dispute on Transunion website disputing an address that appears on my report that I have never lived at and have never used for any purposes. 

On XXXX Transunion sent me a notice stating that Dispute had been completed and the address was not removed and the the source of the address was not revealed to me. 

XXXX I sent letter to Transunion ( see attached copy ) demanding to get the source of how they verified the incorrect address. It is my understanding that Transunion had 15 days after receiving my letter to send me how they verified the address and the source of the address and they have not done that.

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 2019-09-12
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Commentity Bank has harassed my family and myself with multiple calls per day. They gave called my sister, my mother and my aunt with the most recent being XX/XX/19. NONE of the people are listed as contacts on my account with them. They illegally contact them and share private financial information that I never allowed to be discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, 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:
Equifax caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report Equifax has not let me get into my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, we purchased airline tickets in the amount of {$500.00} from XXXX XXXX XXXX XXXX for a trip in XXXX to XXXX. Before our trip, the company canceled our flights and issued a voucher. Because of Covid, the airline never again flew internationally, so we were never able to use our vouchers. Finally, the airline went out of business. I have sent all of this information to Citi-cards dispute center. They responded that the information I sent wasn't enough to support my claim and I am responsible for the charge. In the attached news article, it explains XXXX quit flying internationally on XX/XX/2020, and went out of business at the end of 2020.

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 2018-12-23
Company: Experian Information Solutions Inc.
State: NY
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 contacted Experian credit reporting agency regarding incomplete, missing and no data for certain time periods on my credit report, also late payment on a charge off account. After my dispute, they have decreased my credit score and have added negatives on all three of my accounts, one which is paid and in good standing, one that I am currently paying on time and the third I will be sending a goodwill letter to and make necessary payments. I have called them about this but they seem to be deliberately trying to hurt 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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX TransUnion and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXXXXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

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 2018-06-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. 

Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}.

Please mail the check to : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been going through the same ordeal with wells fargo for so long. I'm tired of dealing with it. The funds get low then they automatic switch and overdraft. Then it keeps goings. I'm told I can't leave unless the fees are paid, yet I can't spend whT isn't there yet the account just changes. The balance keeps going lower and lower, then it hops negative from nowhere. It did it again. A -XXXX  to a negative XXXX  something. The woman said the charges should be all going through and are pending. But the amount is increasing with no recent swipes by me. It makes it i.possible to break away from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 at approximately XXXX XXXX a man left a voice mail message on my cell phone. I called the number back. The man identified his self as XXXX XXXX   and said he was calling from US Collections West. He went right into saying I can voluntary take case of a judgment that he had against me from XXXX XXXX XXXX XXXX  or he has an attorney that will garnish my wages. I ended the call because of his rude tone. I called the companies direct line and asked to speak with a supervisor, they forwarded me back to the same person. I asked him if I could speak to his supervisor and he identified his self as the owner of the company. I asked him why he threatened me and he said it is not a threat t is a promise and that the have garnished thousands of people and I can look it up. I asked him why he was yelling at me and he began to scream at me some more and said that he has been doing this for 40 years. The conversation was getting no where and he continued to yell at me. I then ended the call.

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 2020-10-12
Company: Capital Accounts, LLC
State: DC
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:
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report XXXX XXXX XXXX office has reach out to Capital Accounts to have the item removed on several occassions. I have an email that was sent to capitol account requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX XXXX XXXX there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good afternoon : On XX/XX/XXXX at XXXX PST and today XX/XX/XXXX at XXXX PST I have received phone calls and voicemails from a number missing one digit - XXXX and a person by the name of XXXX XXXX leaves me messages that he has received legal documents under both my name and social and that any questions need to be directed using the file number XXXX and to call XXXX. I called them back on XX/XX/XXXX XXXX PST and spoke with a XXXX XXXX she said she was is the XXXX  XXXX XXXX department, did not provide the name of the company but when asked she said they are from XXXX XXXX XXXX XXXX and that I have a collection account from HSBC/XXXX XXXX credit card number ending XXXX that defaulted on XX/XX/XXXX for the original amount of {$1300.00}. Their client is willing to accept half of the amount owed, {$660.00}, but it must be today XXXX by XXXX Eastern Time or they already have someone in my area to serve me with a civil action suit. Furthermore, if this happens I will then be responsible for not only the original amount owed but for attorney fees, court fees etc., totaling {$3600.00} and they will garnish my wages and place a lien on any assets I might have. I tried XXXX their number and looking up the name of their company, but can not find anything except the word Fraud when i XXXX them. I am listing the numbers and name ( s ) below for them : XXXX XXXX XXXX XXXX XXXX Rep. XXXX XXXX Rep. XXXX XXXX File #  XXXX I am hoping you may help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: NY
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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: IA
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:
A fraudulent XXXX credit card had been opened XX/XX/XXXX in my former surname XXXX ( not used since XX/XX/XXXX ) and former XXXX address ( XXXX ) haven't lived since XX/XX/XXXX. I immediately cited it as a fraud and put it in dispute. The individual who opened the acct didn't activate the original card sent to XXXX address for over a year. Then in XX/XX/XXXX the  perpetrator requested a new card be sent to an XXXX XXXX address in XXXX, NY and racked up over $ XXXX in purchases in a few weeks. 
Although the identity theft, fraudulent credit card account has been expunged from my reports, the XXXX XXXX, XXXX address that enabled the fraud, ( which was never mine, nor anywhere I'd ever been in my life ) has remained on Equifax 's site, showing as my 'current address '. The Equifax site is so badly designed, that it immediately regurgitates incorrect entries. I not only attempted to dispute and have the address removed online, but called as well when that outcome showed my true, current address as fraudulent! The agent was unable to correct this circumstance, saying my account that she was seeing showed the fraudulent address in dispute and my true address not. 
Well, I checked today and it is showing my current address as the correct one, but the fraudulent address is now being shown as an old address ; which it is not!!!! I have never had or been to that address. It is not to be listed as associated with me. This entire fiasco resulted from the Equifax breach in XX/XX/XXXX and Equifax didn't have the decency to assist me in any way or even mention that the breach on their site was the reason. These reporting agencies are incompetent and don't even bother to alert creditors to old names and addresses not currently in use that still attach to individual profiles, allowing criminal activity that they are meant to be averting.

Company response to consumer: Closed with explanation