BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
filed po report XXXX police dept # XXXX violates my cra inaccurate information causing my credit situation violent communication from debt collection agencies

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: Abbott Osborn Jacobs PLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received debt collection letters from the following firms : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and Abbott Osborn XXXX PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : XXXX XXXX I, XXXX Prior Creditor : XXXX XXXX XXXX/XXXX  Account No : XXXX XXXX  Account No. : XXXX Current Balance : {$4600.00} Abbott Osborn XXXX File Number : XXXX I have sent two dispute letters to XXXX XXXX XXXX XXXX and one dispute letter to Abbott Osborn XXXX PLC. 

I do not have any responsibility for the debt they are trying to collect. 

XXXX XXXX XXXX XXXX sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX, XXXX, and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX/XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-27
Company: Sterling Infosystems Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for employment and was offered a job with XXXX XXXX XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized Sterling Talent Solutions to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than seven years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both Sterling AND XXXX XXXX as I feel like I was unjustly discriminated against.

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 2022-04-27
Company: CBC Companies, Inc.
State: NY
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 NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. II RECEIVED A COPY OF MY INNOVIS REPORT AND THEY ARE REPORTING XXXX CARD AS MY ACCOUNT I HAVE ATTACHED MY ID THEFT REPORT PLEASE SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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: Account status incorrect

Complaint:
In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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:
I HAVE NOTIFIED THE DIFFERENT CREDIT BUREAUS THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED BY OTHER PERSON, USING MY CREDIT AS THEY WANT, THEY FAIL TO VERIFY IDENTITY AND I AM HAVING BAD REPUTATION, FOR THINGS I DO NOT EVEN OWN. I HAVE PLACE A POLICE REPORT, THIS PERSON REPORTS DIFFERENT NAMES, ADDRESS WHERE I HAVE NEVER LIVED AND HAS BAD DEBT, ALL UNDER MY SOCIAL SECURITY NUMBER. THE CREDIT BUREAU AGENCIES HAVE FAILED TO PROTECT MY WELL BEING, AND DUE TO THIS I BEEN HARRASSED, SEND TO COLLECTIONS, DENIED CREDIT. THIS PERSON HAS A MORTGAGE, CARS LOANS, DEBTS IN BANKS BUT I DO NOT HAVE ANY OF THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My PEP BOY Credit card without me being notified. I had a 30 late that was an error on my credit report.MY Identity was stolen was and a random account was on my credit report. I am filing small claims case in CALIFORNIA. Legal documents are being sent certified Mail.My rights were violated I ask XXXX accommodation department to explain what going on. I am also filing a Doj complaint for XXXX discrimination. 
The managers on the phone were very unprofessional transferring me around.

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 2017-09-14
Company: EQUIFAX, INC.
State: CA
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:
Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My Mother stablished a Trust Fund ( Trusts name : XXXX XXXX ) with Merrill Lynch XXXX  office, on XXXX, with specific instructions ( wishes ) that the trust ( money ) should be distributed in equal parts with her heirs after the decease of our father, that happen las XX/XX/XXXX we contact them 2 days after XX/XX/XXXX and since them all we have hear from them are not really reason why they have not met the wishes written on said trust. 
Emails of people Involved, XXXX Trustee XXXX officer of Merril Lynch in 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 2020-10-15
Company: LendingPoint Holdings LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX we noticed that LendingPoint had taken their   payment out of {$830.00}. XXXX early XXXX approx XXXX I notified LendingPoint that my employment was still impacted by COVID19 and I hadnt yet secured a job thus unable to pay and to stop automatic withdrawal. LendingPoint had allowed in XXXX of 3 months with good faith payments of {$72.00}, {$72.00}, {$100.00}. On the XXXX they took our entire payment of {$830.00} without approval or permission via request to cease auto withdraw. 
I called and spoke to representative XXXX XXXX who acknowledged the error apologized and assured escalation to upper management and a refund of the unauthorized withdrawal within 24-48 hours. As of XX/XX/15 this has not yet been refunded causing multiple overdraft fees in my account and inability to purchase necessities for everyday life. We have contacted via phone and email representatives with LendingPoint since the expiration of the 72 hours who have assured us its being processed but it still has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX  boys were seen in the same medical office and they needed XXXX XXXX  for one boy and I was told it was fixed and this company will not let it go and its more than 7 years old even.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed Collection Account XXXX XXXX XXXX XXXX   ACCOUNT # XXXX with the three Credit Bureaus ( Equifax, XXXX, XXXX  ) and with XXXX XXXX XXXX XXXX, stating this collection is not reflecting the correct purge date. I went in debt with the original creditor XXXX  XXXX  ( please see attachment ) in XXXX, XXXX XXXX XXXX XXXX re-aged the date to date opened XX/XX/XXXX with removal date XXXX, XXXX. This removal date is inaccurate, please have this account removed from my Credit report. The original creditor filed a judgment on XX/XX/XXXX. The credit bureaus nor the collection agency XXXX XXXX XXXX XXXX will not remove this inaccuracy from my credit reports. This is why I am filing a claim with Consumer Finance XXXX XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX XXXX, MDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I applied for a loan, and this fake company scammed me. They used XXXX  XXXX XXXX XXXX and sent a fake cashiers check, I deposited it into my Huntington national bank account, the money showed, and then I started to think it was a scam and I was done with it, since the money was still showing I told the person I was done and transferred it out with XXXX, and now all banks are doing nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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 checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022

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 2019-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Is my money really safe at Bank of America? Check this out : *** On XX/XX/19, around  XXXX, I deposited {$3600.00} at the Outside Drive-thru ATM ID # XXXX ( SEE PHOTO ENCLOSED ) that belongs to the Bank of America Branch located at : XXXX XXXX XXXX, XXXX, Fl XXXX. I deposited a single stack of bills ( 36 bills of {$100.00}, and 3 bills of 20.. It took a while to process, when it gave me back 2 bills of {$100.00}. Then, it gave me a screen error, which quickly disappeared, and it finished without giving me any receipt, I waited there for a few mins., hoping it would return the rest of my money ( {$3400.00} ),, That's when it hit me : IT SWALLOWED the rest of my Money : IT SIMPLY STOLE {$3400.00}!!! I was in shock, and have become UPSET, WORRIED, SCARED, ANXIOUS AND XXXX  since that night. 
*** ABOUT XXXX, a few mins.later, and still parked in front of that DRIVE-Thru ATM, I went ahead and called Bank of America Customer Service, and was told I would get a {$3400.00} Temporary Credit on my Checking Acct., which I ended up getting the next day, on XX/XX/19. However, on XX/XX/XXXX, BOA took the money away from me, by applying a " TEMPORARY CREDIT REVERSAL '' OF XXXX.. Then, next day, onXX/XX/XXXX, I quickly went to the BOA branch at XXXX XXXX. in XXXX, FL. I spoke to Branch Manager XXXX XXXX, who made a phone call to a Customer Support Associate " XXXX XXXX '', who told me she would re-open the claim for me, and to call back in a few days. However, as of today, I am short {$3400.00}, since she didn't even give me a TEMPORARY CREDIT '' this time. 
BANK OF AMERICA : WHAT KIND OF GAME IS THIS, AND WHY ARE YOU PLAYING WITH MY MONEY ...? 
*** BANK OF AMERICA : IT'S NOT MY FAULT THE REST OF MY DEPOSIT ( {$3400.00} ) IS MISSING AND WAS SWALLOWED BY YOUR DRIVE-THRU ATM mentioned above, and that no-one in your Customer Service, or at the Branches have the authority to help me. If you don't want to check the video, that's your problem. I'm tired of waiting, and need my $ $ for my basic needs as well.

*** Therefore, I am giving you a fair last chance to fix this problem by escalating this issue to Corporate Level, I demand my {$3400.00} to be credited to my account within a few days from this letter, and also a confirmation letter from you before it may become a possible " PUBLIC RELATIONS '', or a legal ISSUE.

Be ethical, Bank of America, DO THE RIGHT THING RIGHT AWAY!

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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/XXXX I called Transunion to notify them that account ending in XXXX was not mine. It was a fraudulent. They did wanted to take my 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 2020-04-23
Company: Phoenix Financial Services LLC
State: FL
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:
This information has been provided thru my XXXX Account : https : //www.creditkarma.com/credit-health/transunion/factors/dm {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2019 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2020-02-21
Company: ENCORE CAPITAL GROUP INC.
State: DE
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:
MIDLAND CREDIT MANAGEMENT After recieving my sworn testimony ( Affidavit ) Midland Credit Management notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My interest rate jumped on two of my credit cards, the only two I have with Chase bank. My payment doubled overnight. I've been trying to make the payments, but it's hard because I don't work overtime any longer. I am recovering from XXXX. I told Chase this on 3 occasions and asked for a temporary interest reduction to allow me to catch up. They flatly refused stating they would close the account and bring the interest to zero -- but they know and I know that would mess up my credit to debt ration even further. I am asking for advocacy and intervention on this matter. I am a citizen of the United States. I am XXXX years of age and a single mom. My father is a XXXX XXXX veteran whom served a tour with the XXXX XXXX. I have no criminal or motor vehicle record of any kind. Despite being a good debtor this bank has decided to act against me, even though I have a medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXX, XXXX  XXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.

Company response to consumer: Closed with non-monetary relief