BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, On XXXX of 2016 XXXX XXXX XXXXe reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled. 

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number ***XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed 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 2017-06-29
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Account status incorrect

Complaint:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid 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 2021-10-27
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I invested money and bought stocks as well as bitcoin through XXXX, on XX/XX/XXXX I woke up to several emails saying my stocks had been sold and the money had been deposited into an account I did not recognize. When I tried to open the app my password and pin had been changed and I no longer had access to it. It took over two hours on hold before getting someone on the phone. I was then told the cashapp " investigating team '' would send an email to follow up. After waiting 3 weeks I called back and waited another 3 hours to speak to someone. When I did finally receive an email from them it took another 2 weeks of them " investigating '' before they proposed a solution. I was told they would credit the money back to my account - an account they were told repeatedly had been hacked. They asked I make a new account and send the username to them so they money can be credited back to me. I have now been waiting since XX/XX/XXXX for this credit. I have emailed the " support '' team about 5 times now and have not gotten any response from anyone. I have tried calling them numerous times and the automated voicemail either hangs up itself or tells you no one is available to take your call then hangs up. I tried contacting them to get the matter resolved through their chat option but apparently the " advocate '' is now crying in a corner because I called him useless- his solution was to email their " support '' team... given I have already emailed them 5 times and have gotten no response I think my description was pretty accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
Account at XXXX 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX put a collection - XX/XX/2019 Amount {$1400.00} I do not owe this debt nor know what it is. I called XXXX and they said they bought it from another collection agency whom I and removed the collection because the account was not mine. 

Many collection agencies once they lose remove bureaus will sell to a new collection agency even if trying to collect unlawfully. The new agency then puts a collection on consumer regardless what result was. They pass it on to eachother. 

This happened to me once on a XXXX XXXX {$100.00} collection that was my family members. It started w/XXXX then 3 diff collection agencies took it over even after I wont the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: CARD Corporation
State: MD
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: Overcharged for something you did purchase with the card

Complaint:
Today XX/XX/2019, I ordered a XXXX ride, the amount for the ride was {$20.00} but I was charged on my card in the amount of {$25.00} and it had XXXX XXXX by the amount. 
I live in XXXX not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: SunTx Capital Partners
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 status incorrect

Complaint:
I have contacted the company several times to correct the issue. They are reporting my account as closed/charged off and sold to another lender. 
The company is reporting that I owe more money than my account really does. 
The company has not been reporting accurate information since XX/XX/2020 Also has been reporting that I am late on this account. I have NEVER been late and also my account was paid up for a year.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX reporting on credit report however never did business with any of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Between XXXX XXXX on XXXX, my hacker personal device has been forced multiple Factory Resets and data wipes. It has multiple APN 's. I logged onto my TRYIST MOBILE BANKING APP on XXXX to discover my personal XXXX XXXX device I purchased on XXXX, was not recognized. The 2 Step verification page had an unknown phone number listed. I went to the Bank Branch and informed a Bank Clerk. She removed the number immediately without fully exposing The full number. She intended to send a security ticket, but waited until I left the property with my personal device that can hack any electronic system within it's range. I informed her that reporting my hackers results in major breaches of the systems I report on, but they seemed to never touch funds. 

XXXXXXXX  I check my TRUIST ACCOUNT daily notifications show multiple thresholds reached. I see 27 deposits made ranging from $ XXXX {$600.00} dollars into my account. While heading to the bank to understand this activity, manual withdrawal starting occurring. The same Bank Professional is informed and gives me a printout of my activity. It shows ( suspiciously ) XXXX. The period my personal device started Wiping data. My account was receiving and removing funds of over {$3500.00}. I went to the XXXX Police station with the documentation to file a report. 

This was shown as starting XX/XX/XXXXXXXX  and continued the morning of XX/XX/XXXX. I can not do an audit of my account because the data changes after documentation. The TRUIST BANK SYSTEM has been breached.

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 2021-09-12
Company: Fairway Independent Mortgage Corporation
State: IN
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:
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
To whom it may concern I have recently been informed that there is a negative information reported by United States Bankruptcy Court, in the file they maintain under my social security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX  XXXX & XXXX XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. they all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to the United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies '' I am just a little confused why the credit reporting agencies lied for

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 2018-02-18
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing Inaccuracies on My Credit Report HUNTER WARFIELD XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$4500.00} {$4500.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam, I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion This item is ( inaccurate or incomplete ) because I do not owe this debt. I received no letter in the mail and when I called the company after seeing it on my report they said it was an error aND MAILED me a letter stating it was paid. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of the following documents supporting my position : 1.Letter form company saying I owe no debt Please reinvestigate this matter and the disputed items within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Total Card, Inc.
State: NC
Product: Credit 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges keep reappearing on my credit card and the company keeps adding days for me to wait for them to clear Everytime they clear they add the same charges again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on my credit card, but I accidentally selected the wrong checking account and the payment NSF 'd. I immediately made the payment using the correct checking account and called AMEX to ask them to stop attempting to debt the incorrect payment information ; however they refuse to stop attempting. So far AMEX has attempted 4 times to collect a payment that I already satisfied and refuse to stop. Amex customer service said they can continue to attempt to collect the payment until it is received because I consented to such. Well that may be true but it is completely unfair. each time they attempt I incur a fee, but AMEX wants to inflect pain for my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as past due balance. i do not know this company. I have never done any business with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reported a Health Information Privacy Complaint against the hospital or physician due to releasing private medical information and company charging someone elses insurance. This debt is a result of identity theft where they charged another persons ( My sisters ) insurance company ( XXXX ) instead of my insurance company ( XXXX XXXX ). XXXX and XXXX were aware of this prior to any surgeries or procedures. Because this debt is a result of identity theft and hippa violation ( an XXXX report has been made with XXXX ), I will be suing both the XXXX, XXXX, and collection agency as this fraud issue is now effecting my personal life/credit and agency refuses to acknowledge legal consequences by removing this from my credit report and conducting their own investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX  and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the fair credit reporting act XXXX XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-13
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PCR Group
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
account adjustment beareu showing a collection that they stated to me over the phone as closed, but still reflects on my credit report the debt should be closed on my report because I filed for bankruptcy.

Company response to consumer: Closed with explanation