BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: HUNTINGTON NATIONAL BANK, THE
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: Problem with personal statement of dispute

Complaint:
I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 15 U.S.C 1692g I have requested validation of debt on XX/XX/2022, certified mail with a green return receipt and on XX/XX/2022 I received correspondence back with what supposed to be validation that I owed Midland Bank an alleged debt. I only received a contract and statements in their response to my request. However Pursuant to 15 U.S.C 1692g ( a ) ( 4 ) Midland Bank did not satisfy the minimum requirements for a valid request. The information provide does not consist with the list of things congress said should be provide to a consumer to validate any alleged debt. Midland is attempting to collect on a debt without sufficient evidence that this alleged debt is owed to them by me, and in attempting to collect this alleged debt they have violated my rights as a federally protected consumer Under the FDCPA as well as the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
McCarthy, Burgess, & Wolff reached out to me via a letter XX/XX/2021 and then with a phone call stating that I owed a debt of {$3300.00} to XXXX XXXX. I do not have a XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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 fraud alerts or security freezes

Complaint:
I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from XXXX and Experian both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three XXXX, Experian and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX 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 2022-08-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank has incorrectly charged overdraft fees on transactions that should never have been overdrawn. I have been experiencing issues with TD Bank regarding excessive and illegal overdrafts and non-sufficient fees since XX/XX/2022. As of XX/XX/XXXX, I had an illegal overdraft fee of {$240.00}. In an effort to reverse the fees, I have been in constant contact with TD Bank. As a result, I requested that the account be closed since I would not be making any further deposits or transactions to the TD account. I reviewed the account on XX/XX/2022, to determine whether the fee had been reversed and discovered four unauthorized XXXX transactions. I contacted XXXX and they addressed the issue. They also notified TD Bank of the unauthorized transactions on XX/XX/2022. As a result, TD continues to impose non-sufficient funds and overdraft fees for the same transactions from XX/XX/XXXX to XX/XX/2022. According to my bank statement dated XX/XX/2022, I have a total amount of {$590.00} in overdraft fees. 

I contacted TD Bank by phone and through their message portal. I received the same generic response from them, which indicates that they have no intention of helping. Even though I requested that my account be closed, they ignored my request. 

In support of all my claims, I have sufficient documentation when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: TX
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, On XX/XX/2019 I received a mail from collection agency Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 notifying me that I owe {$24.00} to XXXX XXXX XXXX and I should send a check payable to XXXX XXXX. On XX/XX/XXXX ( a day after ) I received another letter dated XX/XX/2019 notifying me that they contacted me Several weeks ago and that I have neither paid the account nor contacted us to dispute the debt. Therefore, we must assume the debt is valid asking me to pay {$24.00} this time. 
I responded to them on XX/XX/XXXX saying that : " I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I have never ordered anything from that company. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' Yesterday on XX/XX/XXXX, I received another letter from Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 asking me again to send a check payable to XXXX XXXX XXXX. I believe that this is a harassment and it is against The Fair Debt Collection Practices Act ( FDCPA ). 

Best Regards, 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 2019-10-05
Company: CORELOGIC INC
State: FL
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:
On XX/XX/2019 I received an alert on my credit report at work that there was a hard pull done on my credit report. When I left work I investigated immediately found the credit agency that did it called them got the actual company that requested the credit report contacted them. They and for me that my husband was looking to finance a dump truck through them for his business and since I wasn't owner on the business that they had to pull my credit as well. I never spoke to these people gave anyone permission to pull credit nor do I have any interest and financing any dump truck. When I ask them for assistance with having the inquiry deleted from my credit report they told me it is impossible. I contacted the credit agency they said that it can be deleted through an investigation but in order to start the investigation I need a letter from the company eat that requested my credit report stating that it was never authorized by me to have them pull my credit. They refuse to help me in any way and their suggestion is that quote I have a word with my husband. I will be forwarding their emails in response to my concerns.

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 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get some accounts on my credits reports with XXXX balance who was closed on XXXX and not going to be removed until XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$22000.00}.

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 2018-08-08
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Mortgage Loan Payments for the month XX/XX/XXXX were sent XX/XX/XXXX : received a call from Flagstar Bank that I didn't pay XX/XX/XXXX payment XX/XX/XXXX : 20 mins  later received a call that XX/XX/XXXX payment was received but they applied it as a Payment for XX/XX/XXXX ( which was made in the beginning of XX/XX/XXXX ). I made it clear to them that no one should be calling me or my wife before the 15-day grace period. Per the representative, it was notated that it wont happen again. 
XX/XX/XXXX : My wife & I are still receiving calls that we have to make XX/XX/XXXX and XX/XX/XXXX payment since yesterday even though I explained them the XX/XX/XXXX payment will be within the grace period for them to understand that its a XX/XX/XXXX Payment.

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 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filing another complaint : Company : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX. 

XXXX XXXX was my mortgage lender. they violated the CARES Act : My mortgage account was in forbearance as a result of covid-19. The cares act states that mortgage forbearance as a result of covid 19 CAN NOT be NEGATIVELY reported to the credit bureaus by lenders. I have reported and my credit report is still reflecting missed payments. payments were not missed. i need loancare to write a letter to the 3 credit bureas stating to change missed payments to green on time payments. their reporting has negatively impacted me so that i can not get approved for another mortgage. 

My Loan is paid off and they still will not answer the phone, will not contact me, and refuse to fix the negative missed payments showing as red x 's for 10 months in a row on my report. I am being penalized for financial hardships during XXXX since i have paid my loan in full.

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 2019-10-05
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Through a credit monitoring service I learned that a " collection activity '' was entered into my credit bureau file by Credit Collection Service.  The collection agency alleged that I owed {$62.00} in XX/XX/XXXX to XXXX. However, according to my bank bill pay records ( please see attached XXXX, XXXX received payment in the amount of {$62.00} on or about XX/XX/XXXX. I have written a USPS certified mail with return receipt to Credit Collection Service to verify their records and remove the erroneous entry but to no avail. According credit bureau data, the  erroneous entry was entered into my credit bureau data on XX/XX/XXXX even though I paid as agreed in the months of XXXX and XXXX of XXXX. Please see attached letter to Credit Collection Service. 
Further, I reached out to XXXX 's executive service relations Mr. XXXX XXXX ( would not reveal his full name per company policy ), he stated that XXXX did not refer my account to collection. Please see letter containing his statement attached. 
The fact is I do not owe XXXX for the month alleged. I have never been late on this account since inception back in XX/XX/XXXX. But the problem is, on XX/XX/XXXX. I canceled XXXX 's service and the company refused to cancel the service. After speaking with 3 representatives on the phone and 2 others via chat without achieving account cancellation, I went into XXXX 's local store and canceled through store manager Mr. XXXX. However he could not provide proof of cancellation citing company policy.Till date I still have not received final billing statement from XXXX and have no proof that account was terminated by consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Yesterday XX/XX/18 after a XXXX search I saw a Transunion offer for a free credit report. I signed up and entered my credit card number thinking this was merely a verification of identity to receive the credit report. Nowhere in the sign up process did it say that I was signing up for a credit monitoring subscription and nowhere did it say there would be fees charged. It also did not say that the fee charges would be recurring at {$19.00} per month on a " til forbid '' basis. This is inexcusable, especially for a supposedly reputable credit reporting agency. 

I called today to cancel the service and that was accomplished ( they required me to sign in to do this ). I did not know they had signed me up for a credit service and I did not use that service ( the credit report offer did not mention the service or the fees ). The Transunion rep did not disclose that there was a {$19.00} charge already made against me credit card and would not have reversed it if I had not asked if there were any charges already placed against my credit card ( I am still awaiting the reversal verification ). By disclosing this initial charge during my cancellation phone call and not offering to cancel it ( less than 24 hours after inadvertently signing up is another effort to retain funds that were initially gotten through deception. 

For tracking purposes, the phone rep gave my cancellation number as XXXX. 

Please sanction them over this bait and switch tactic. 

1. Here are two of their promotions from a XXXX search : Free Annual Credit Report | TransUnion https : //www.transunion.com/annual-credit-report 2. Click here to access your free annual credit report. With TransUnion, it's easy to order your annual credit reports from all three credit bureaus at XXXX. 
TransUnion Credit Report | Sign Up Today in 2 Minutes Adwww.transunion.com/CreditReport/2Minutes If You Have 2 Minutes, You Can See Your Score Today! There's No Reason Not To. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: IL
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 has stolen my identity and opened up 6 different credit cards in my name. My credit reports are currently showing these fraudulent accounts XXXX XXXX  XXXX opened on XX/XX/XXXX and charged off with a balance of {$2500.00} XXXX XXXX XXXX opened on XX/XX/XXXX that has been paid and closed XXXX XXXX XXXX opened on XX/XX/XXXX and charged off with a balance of {$1100.00} XXXX XXXX XXXX  opened on XX/XX/XXXX currently open with a balance of {$460.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX sold to XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$3100.00} XXXX XXXX XXXX opened on XX/XX/XXXX charged off with a balance of {$400.00}

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 non-monetary relief
Consumer complaint received 2021-09-19
Company: Experian Information Solutions 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 HAVE SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!

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 2018-03-23
Company: Bull City Financial Solutions, Inc
State: IN
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/2018, I sent Bull City Financial Solution a DEBT VALIDATION letter to validate the collection they placed on my credit report. Its been well over 30 days and I havent received anything back from them with this information. As per the FDCPA, I have the right to request validation of the debt. 

I have been a victim of identity theft a couple of years ago and I am trying to slowly start cleaning my credit report due to the damages caused. I never did business with them and I have disputed this collection twice already and I am getting nothing in response. A collection bill is not validation and I have a right to be provided with proof or this collection needs to be removed. Its hurting my credit score badly and making me unable to obtain my goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is trying to collect XXXX on an account that was originally a Best Buy credit card. They are suing me for an account that is not mine!. Case number is XXXX filed XX/XX/XXXX. XXXX XXXX phone is XXXX XXXX. My credit took a huge drop. Best buy  credit card was opened on XX/XX/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 2020-06-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe any debts to any person or company, but starting on XXXX! I began receiving several calls a day, which I didn't answer, from these two numbers : XXXX and XXXX. I XXXX them both and found they belong to Midland Credit Management and that there were many, many complaints online about repeated harassing phone calls from this company. 
Today yet more calls came so I decided to answer, from the XXXX number. A recorded woman 's voice said to hold for a call for me, and then a Spanish-speaking woman came on asking for " XXXX '' or " XXXX. '' I said nothing and I don't know anyone by either of those names. I understood that she was telling someone in XXXX that there was someone on her line ( me ) saying nothing. I finally hung up. 
I want these calls to stop ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: NY
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 reach out to each of these companies to remove the inquiry, they advised me to reach out to credit bureaus. I have sent several letters and the inquires has not been removed yet.

Company response to consumer: Closed with explanation