BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have filled a dispute in regards to the incorrect and inaccurate items that was reported on my credit report. I haven't had any response of some sort of result on some of my disputes. My first letter to the three major credit bureaus was on XX/XX/2021 and my second letter to dispute these inaccurate items was on XX/XX/2021. The balance amounts of these accounts are {$520.00}, {$290.00}, and {$390.00}.

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 2018-05-04
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Diversied Consultants has been in accurately and unfairly reporting an account which they claim I owe {$410.00} since XX/XX/XXXX. I attempted to resolve this matter by sending a letter via certied mail USPS ( XXXX ). The letter was received on XX/XX/XXXX, I requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Diversied Consultants failed to provide validation. In their response they provided an itemized document ( bill print out ). As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Due to their Negligent Willfulness of Identity Fraud and  Diversied Consultants dismissive response, my next course of action will be legal. 

Not only are there numerous errors in Diversified Consultants reporting, conflicts of vital information exist in each of my individual credit reports. 

Laws I can potentially le suit for : 1 ) FCRA Section 623 2 ) US Court of Appeals, XXXX Circuit, No.XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC  opinion letter Cass from XXXX 5 ) Metro 2 Compliance FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Jim Bottin Enterprises, Inc
State: MA
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:
XXXX XXXX keeps calling my cell phone for another party, no idea how they rec 'd my phone number but its not even me they are calling for. I answered one time and told them to never call again but they keep calling. they just called me at XXXX on XX/XX/18 and left a voicemail making threats that if there isn't a return phone call there will be further action. I have an outgoing voicemail with my name so you think they would realize its not the person they are calling but they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, XXXX, and Transunion this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act

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 2019-10-22
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:
This account below is not mines. I never received notification of this debt prior to being added to credit report which is against the law. I have disputed this with the collection company after it was added to report. I have also filed a formal complaint with the Attorney General of Florida. 


COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$31000.00} Highest Balance {$31000.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 08 XXXX 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 explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, 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:
I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I went to make a purchase online using my credit card. The transaction was declined. My bank advised me the transaction was being routed through a XXXX bank. Soon after I started getting calls from XXXX ( a Michigan # ) trying to get information about my card for a better rate. This is clearly an attempt at executing some type of 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 monetary relief
Consumer complaint received 2020-08-26
Company: WELLS FARGO & COMPANY
State: NC
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 XXXX & XXXX I purchased XXXX concert tickets for my birthday that was to take place on XX/XX/XXXX. As of today we have not received a refund and they have scheduled concerts for days that dont correlate with my schedule. I reached out to Wells Fargo after receiving word that refunds wouldnt be issued and they declined my claim XX/XX/XXXX stating its past the 60 days of notice. I had been reaching out to them since XX/XX/XXXX to see what the resolution would be and I have not received my service or refund!

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 2020-07-28
Company: Adler Wallach & Associates, Inc.
State: LA
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 duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan AWA Collections is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
funds have been taking from my account from transactions I did not make to the best of my knowledge from XXXX and CHASE banks to XXXX XXXX and when I made these companies aware of these actions they did not respond in a proper manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased a XXXX XXXX  on the Walmart website in XX/XX/2020 for {$470.00} plus tax ( {$490.00} ). I received the TV soon thereafter ; however, later I noticed I was charged a second time. I ordered one Tv, not two. I received one Tv. There is a bogus charge for the exact same amount on my Capital One Walmart Credit Card. Once again ... another exact charge on creditcard. Called once to Capital One,,, it was supposed to be looked into..do n't have the exact date. Called again around XX/XX/2020. Nothing was done prior and now they looked into this -- formally now. I was reimbursed on the creditcard soon thereafter -- temporarily. Then later Capital One says Walmart disputes the amt and the charges were placed back onto the creditcard. My dispute is with Walmart charging me 2 times. 

I was told to now supply all docs, receipts that I have and to fax to Capital One. Which I did on XX/XX/2020. Nothing heard yet. 

Would please like assistance to resolve this. I only ordered ONE TV. Please help as Walmart is charging my credit card for TWO tvs. 

Have docs for you when requested. Thanks for your kind help to resolve this >just want to be billed for exactly what I ordered ... .one TV. Take the second charge off my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
ihad a XXXX  account and had incorrect bal on it i filed dispute on balance with transunion and just an hour or so it notified me outcome they deleted my XXXX  account which caused my score to drop 108 points i called transunion and waited over an hour to talk with someone they insited they could not put it back on my account once they took it off advised me to contact XXXX  i did and XXXX  told me they only report to beraurs they cant put it on that transuinon would have to do it i got back in touch with transunion they gave me run around asked for copy of ss card and drivers liense to be sent i did still no change so i filed dispute with them and no word or comformation of my filing ti has really hunt me i want it fixed i didnt do it it was there mistake but dont admit it just fix it they dont care at all please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX at XXXX I called XXXX Mortgage to make my regular monthly payment of {$2200.00} for the month of XXXX. I spoke to XXXX and she informed me that an escrow analysis was done on XX/XX/2021 and that a letter was sent to me dated XX/XX/2021 advising me that effective XX/XX/XXXX my payment is {$2700.00}. I told XXXX that while I understand there may be an escrow shortage Midland Mortgage has to provide me with a 30 day notice before any changes take effect and increasing my payment XX/XX/XXXX is a violation of XXXX XXXX XXXX transferred me to XXXX in the escrow department and I asked XXXX to transfer me to a supervisor. At XXXX I finally got to speak to XXXX XXXX a supervisor in that department only to hear the same information. They refused to take my payment of {$2200.00} because according to their system it was {$2700.00} Im extremely concerned that Midland Mortgage personnel seemed to have to have no clue about XXXX XXXX or what I was trying to explain. I wonder how many more mortgage holders who dont have knowledge of lending regulations they have done this to. Based on my conversation yesterday with multiple employees I think an audit needs to happen because I know I cant be the only client going through this with 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 monetary relief
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : 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 2018-05-04
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BB and T Bank allowed a non-signer, XXXX XXXX ( XXXX, XXXX ) to transfer funds from my account which was unauthorized. The total was {$180000.00}.

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 2021-02-11
Company: CL Holdings LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection agency ( Jefferson Capital ) says I owe money from an account I never had. They say I had a card from XXXX XXXX  XXXX XXXX. I live in Virginia and have never been to Delaware. I checked online and this " bank '' was shut down by the Feds for fraud and money laundering. Apparently, they stole my info and opened a line of credit in my name. Now they no longer exist and Jefferson Capital says they bought the debt and want their money. This is all a big scam. How can I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As per telephone advice provided today by XXXX of your Bureau I am attaching two PDF documents which are updates to complaint : XXXX You provided a very narrow definition for my complaint when it should have allowed : all that apply. 

The billing and collection practices by XXXX XXXX XXXX XXXX. XXXX XXXX as agent for XXXX XXXX Rewarded Account are beyond what is allowed by law. They skirt Federal Law by not sending anything about the collection dispute via the United States Postal System ( USPS ). 

They dun by numerous telephone calls, as many as three even four in one day. They stop short of the XXXX deadline. 

They are Robot calls. When on the rare occasion they leave a message on my answering machine it is confined to advising me to call a number regarding the status of my account. I can not at this moment remember if they ever mentioned XXXX XXXX as the account. 

My original complaint I believe mentions the numerous phone calls. XXXX advised me rightfully so that CFPB can not address this matter. What I would like is this government agency to work with the Do Not Call registry to tighten up investigation and prosecutions of offenders. I can supply that agency with many offenders. 

As to what I want is for your agency which has been spectacular in helping me to advise and ensure that XXXX wipe out all charges incurred on this account. 

Further, I want XXXX to notify the four Credit Reporting agencies to restore my credit rating to the high 800s. And for XXXX to prove to you that was done. 

Then I you want to ensure XXXX advised XXXX XXXX of the truth of this complaint. 

I had written to XXXX that there original claim of investigation was insufficient. This is even worse. 

Note : XXXX  acknowledges they have the power to erase the original charge of {$16.00} but conveniently admit they are not doing this by advising me the current balance is {$16.00}. The exact price of the shoes I bought. I will never use this XXXX XXXX card or any Store Credit Card. 


Close the account as long as it does not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection is not from original creditor. I never heard of XXXX XXXX XXXX to owe them {$1500.00}. I never had a contract with 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 explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am filing this complaint because XXXX, Capital One, XXXX XXXX XXXX, and XXXXXXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation