BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
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: Information belongs to someone else

Complaint:
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports Transunion and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as Transunion and XXXX violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-Transunion/XXXX/XXXX. XXXX XXXX XXXX in the amount of XXXX with-Transunion/XXXX.XXXX XXXX in the amount of XXXX.with-Transunion/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.

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 2018-03-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to XXXX in XXXX In where a employee of the same company I work cashed his check I presented my check from the same company was denied by XXXX XXXX XXXX XXXX. I called the phone provide by XXXX and was told they could not tell me why they refused my payroll check. I went to XXXX in XXXX In and XXXX in XXXX IL and they would not cash the check and again given the number for Certegy.. When calling the Automated system does not offer clear way to get information or clear way to dispute there decision. I went to Certegy web page and again no clear way to dispute there decision. The only thing I could see for information was to ask for a copy of my file. I requested the file and waited 2 weeks for it to arrive. While waiting I  earned another paycheck and decided to cash it with XXXX mobile deposit. Certegy again denied my check for deposit. At this time I had received my file from Certegy. On the first of six pages it lists all the checks I have cashed or presented for cashing. Beside the item it reads Authorized or Not Authorized reason below with a microscope 99 see reason below.. Under the list it says 99 this transaction fell outside Certegy Guidelines.. The next column is for outstanding items.. Nowhere on the six pages is the an explanation of code 99 other than whatever code 99 is my file was perfectly clear. Again in the six pages there is no place to dispute the decision or find out the reason for Certegy to turn down payroll checks that I work hard. My next action was to call Certegy at a different number that was given to me when they refused my paycheck. I spent an hour on the phone with there representative verifying Identity and going over my file and verifying funds in my employers account. She told me my file look good and did not see a reason for my paychecks not to be cashed. Then the representative told me there was nothing she could do and could not provide me with a dispute Certegys decision. So after all of this I found out they should cash my payroll check. They won't cash my payroll check and did not give me any explanation or way of disputing there action. I go to work and work hard as a bricklayer and Certegy has stop all options for me to cash my check without driving 200 miles to my employer financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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 is missing that should be on the report

Complaint:
I have submitted multiple dispute letters looking to update my address on my credit report. Equifax is giving me issues and now not allowing me to view my credit report because the address isnt updated! I am looking to update my address on my credit report and also remove any fraudulent information on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Receivables Performance Management, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I was contacted by Receivable Performance management regarding a settlement was offered however, I explain that I was not familiar with these charged totaling XXXX USD and I requested a Debt Validation Letter on this day. Today XX/XX/2020 I called back for the 3rd time requesting this letter. the Collection company has stated that the last letter that was sent to me was on XX/XX/2020 to an outdated address ( This address had been updated with every phone call I made to them ). The company has had plenty of time to validate this debt yet has refused to and is now refusing to cease and desist, and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
We had XXXX accounts with XXXX XXXX XXXX. One was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.

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 2018-06-29
Company: Midwest Recovery Systems
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an email from my credit card company about an alert. I checked my XXXX XXXX   and it shows I have a bill in collections that does not belong to me. It's for the amount of {$290.00} dollars that it claims I owe to XXXX XXXX XXXX and that the creditor 's information is Midwest Recovery Systems, LLC. I've been researching because I'm so frustrated and don't know what to do that I came across Midwest Recovery Systems as being a fraud company! I do not need this company ruining my credit and trying to steal money from me. I never got a letter in the mail, or a phone call, it just showed up on my credit karma. I don't even live in XXXX nor have I ever been in an ambulance before! MIDWEST RECOVERY SYSTEMS is a fraudulent company and needs to be stopped! This is the information XXXX XXXX shows : Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was trying to apply for a capital one credit card but I kept getting denied. I got an email shortly after saying the reason I could not be approved for a credit card was because I already have one with an outstanding balance. I went on to download and check credit sesame where it said I had XXXX $ in debt. I have never had a capital one account nor a capital one card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Experian reports are incorrectly showing a collection from XXXX   acct # 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 2018-04-17
Company: Experian Information Solutions Inc.
State: GA
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 took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there

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 2018-02-26
Company: CarFinance Capital LLC, Irvine, CA Branch
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX  collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.

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 2018-04-17
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay XXXX XXXX. XXXX XXXX also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and XXXX XXXX and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, XXXX XXXX did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and XXXX XXXX. I disputed the alleged debt in XXXX XXXX, however XXXX XXXX continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices. XXXX XXXX failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4.  Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: AMERICAN EXPRESS COMPANY
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:
Someone try to open many the credit card under my name. 
And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. 
Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX XXXX XXXX XXXX 
Most of the inquiry is credit card inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not authorized these inquries listed on this report. This is fraud

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 2021-05-30
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have called 7 times or more re this issue. Complaint was supposed to be resolved on last call about 2 weeks ago. Re : returned item to store. I was given a gift card for the return, which I used a few weeks later. Also, a returned coat that XXXX had at their pickup location since XX/XX/2021. XXXX was supposed to return item to store. Nothing more I can do. This is wasting my time. I do not owe them any money. All interest charges were to be removed. None of this was my fault. Returns were completed within time allowed. I will not call them again. I will never do an online order with them again. Too many XXXX people workiing there ... Don't like to do business with companies that are inefficient AND dishonest with customers!!!

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 monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}

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 2021-04-10
Company: Meade & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Meade and Associates is trying to collect a debt not owed it was discharged in a banruptcy filed XX/XX/XXXX. This company reported this account on XX/XX/XXXX on my XXXX credit report but failed to update it as included in bankrupty, They have also now reported this account 6 years later XX/XX/XXXX on my XXXX Report as a new collection. This should have not been reported on my transunion report after my bankrupty discharge. IT was only on my XXXX  report. This company Meade and Associates is violating Fcdpa and the also Section 524 Title 11 of the Us Bankruptcy Code. This is harming my XXXX  Report and it need to be removed from it being that they havereported on this report after my discharge. This particular account shows like its a new account, The account is due fall off of my XXXX credit report nent year. XX/XX/XXXX. But it was reaged on my XXXX  report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, Diversified Adjustments placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation