BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Was contacted by XXXX XXXX XXXX XXXX a short time ago at my job. I told him I can not have personal calls at work. He called again yesterday XX/XX/XXXX in the afternoon and I told him again not to call me at this number. He called again today XX/XX/XXXX at XXXX and I told him for at least the third time not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning in XX/XX/XXXX I noticed AWA Collection Agency listed on my credit reports.  I immediately disputed it and asked for validation of the listed accounts.  Since then, I have attempted to communicate with them on multiple occasions.  To be exact, I mailed letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I never get proof that these debts belong to me.  What I have received on 2 separate occasions have been bills.  But never identifiers that prove that I incurred these debts.  I work for a XXXX XXXX company, am well covered and have no medical debt.Since I am getting nowhere with them I thought I would go the extra mile to get some help in once and for all resolving this situation.I've specifically asked for signed documentation and other supporting documentation which they cannot provide me.  They provide billing statements that do not prove obligation for me to pay them.  These 4 negative reporting accounts have destroyed my credit and halt my ability to move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Hello, My issue is with my Capital One Credit card. They reported me as a payment Late for the month XX/XX/XXXX and XX/XX/XXXX. The problem is that I set up automatic Payments back XX/XX/XXXX, on the mobile app. This was confirmed on my Moblie device. Keep in mind this credit card balance was {$380.00}, and I've never been late. So come XX/XX/XXXX, I get an alert saying My credit report had some changes. So check it, and find out XXXX XXXX had reported two months late. So I dispute this with all Credit bureaus and received the month of XX/XX/XXXX removed as a late payment. They will not remove XX/XX/XXXX, which is part of the same dispute. The investigation that XXXX  XXXX launched hasn't been fair and they continue to report wrong information to the credit bureaus. The customer service rep confirmed my story and assured me cap one would fix this, but nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( CAPITAL ONE AUTO LOAN -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX  is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Source Receivables Management LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Hello, my name is XXXX XXXX XXXX XXXX Transunion has caused me damage by reporting an account from XXXX XXXX XXXX with inaccurate information. This is strictly for forbidden by the FCRA. The FCRA also states a credit reporting agency must delete any account with information that is inaccurate or they have reason to believe is inaccurate. Transunion claims this account was verified however they are reporting it as an open account when XXXX is reporting it as a closed collections account. How can Transunion have verified this account to be accurate when all credit reporting agencies should be reporting the same information 100 % accurately? I have proof in the included screen shot and will file a civil lawsuit against Transunion for {$1000.00} per FCRA violation in Federal court in the state which I reside.

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 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows : XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX. XXXX The creditor ( Bank of America ) received my written request identifying the merchant, amount and date of transaction and it has responded stating that Bonk of America is unable to process inquiry I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX  to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. Bank of America representative XXXX XXXX, Bonk of America, Resolution Specialist kept looking for excuses inventing reasons to deny helping me. First, XXXX XXXX stated that he is unable to find disputed transaction. When I provided him with letter identifying the disputed transaction, XXXX XXXX falsely claimed that there have not been claims filed for these transactions within the allowed timeframe. When I provided him with the banks response to my dispute stating they are unable process inquiry. XXXX XXXX  stop responding to my communications. Eventually he run out of excuses. XXXX XXXX  is either inept and unable to help or he is just dishonest and purposely avoiding answering my inquiries. 
It appears that the creditor ( Bank of America XXXX either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.

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 2021-10-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection is not from the original creditor. Jefferson capital systems at XXXX XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX have been sending me collection notices for the amount of {$7900.00}. The collections are being reported past due. I do not know either of these companys and have never done business with either of these companies. Neither of the two companies have a contract with me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions 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:
There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX  XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX-XXXXXXXXXXXXXX Amt {$9500.00} Opened XX/XX/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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX, I submitted my original dispute, via TransUnion, with XXXX XXXX XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). TransUnion came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, TransUnion came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX  and Equifax. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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 have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$330.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without my permission! You must remove this as soon as possible.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I submitted dispute letters to XXXX, Experian, and XXXX notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

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 2020-11-08
Company: PNC Bank N.A.
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with PNC in the 1st quarter of 2020. For some reason, they have been withholding interest. Over many months, I have attempted to remedy this issue, but PNC has been very unresponsive. They are unavailable by chat or their message center, so it has been necessary to call, which I have done several times. There is absolutely no one available who can tell me what is necessary to remedy this situation - I do not want to withhold interest on my savings account, there is no reason to withhold interest on this account. I attempted to accelerate the problem to the next level and that resulted in no additional assistance. All I want is to stop interest being withheld from my savings account. There is no reason that something this minor should take almost a year to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT THIS IS JEOPARDIZING MY CREDIT

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 2019-07-12
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ). 

On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ). 

This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I changed the funding source for my pp debit card from my XXXX XXXX account to my XXXX XXXX. I did this because there was no money in the account because my wife and I are changing financial institutions. Sometime on our before XX/XX/XXXX paypal changed the funding source back to XXXX XXXX, which is going to cost me at least XXXX dollars in NSF fees. And they did this without giving me any notification that the change had been made.

Company response to consumer: Closed with explanation