BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
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: Information belongs to someone else

Complaint:
I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I have contacted FTC and the police and I'm doing this on my own. Chapter XXXX bankruptcy, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. There are also inquiries on my report that are not mine. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXXXXXX  XXXX XXXX XXXX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-05-17
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Chapter XXXX Bankruptcy in XXXX. My lawyer filed all qualifying debts with my paperwork, notification was given for any debt collectors who wanted their piece with a deadline, all rules within Washington state were followed. I meticulously followed my court ordered plan and all debts were discharged at the end of my plan. One credit card company had kept popping up that had been denied their payment by the court trying to go around the bankruptcy and come directly for me with their collections. My lawyer kept shutting them down. Now here we are in XXXX of XXXX, chapter XXXX has been discharged since XXXX of XXXX and I get served with paperwork from a company called Midland Funding LLC. They filed to garnish my wages and got a judgement against me with a judges signature from TWO MONTHS ago and Im just now being notified on an OLD DEBT THAT HAD BEEN DISCHARGED.  The original debt is listed at XXXX. After filing fees, service fees, court costs, and accruing interest the total amount owed is {$1000.00}. This is completely illegal. It is that companys ( Midland Funding ) job before they purchase a debt to research if its even a legally owed debt before they pursue it in court. Thats their mistake and their loss on legal fees. Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS XXXX XXXX is XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

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 2021-10-15
Company: U.S. BANCORP
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In early XXXX I filed a fraud charge for 3 separate transactions. I had bought digital currency online through XXXX with my debitcard. I called U.S. Banks customer service line and they submitted the fraud charge. The person had sold me something they stole from someone else and I had to return it the person it was stolen from. Multiple employees said over the phone that what happened to me was Fraud. My mother ended up passing away and I took off for 2 months because I didnt want to be around the house she was found in since I lived there to. When I returned I saw a letter saying they denied my Fraud claim because they were missing paperwork they sent out. The only paperwork I had in my stack of mail when I returned was a letter from them saying they denied my claims because they were missing paperwork I never received. I called them over the phone and spoke to someone who told me the same thing that was in the letter and they said they were going to mail out a replacement. They never mailed it out and the next thing I got was a collections notice. I called them again and they said a case supervisor would help me with in 24-48 hours and 5 days later no one has still reached out to me. I spoke to multiple people with the company who agreed that what happened was fraud then i spoke to one supervisor who said I was scammed and thats not the same thing as fraud. Even though multiple other employees admitted it was and it was their mistake I didnt receive any paperwork. I even read the definition of Fraud to this supervisor and she still would say I was scammed and say theres a difference between being scammed a defrauded... The supervisors name was XXXX and they can check the call logs for this and for everyone who was suppose to do what they said they were going to do.

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 2019-08-30
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I Deposited my payroll check of the amount of {$610.00} into my US Bank account. They then put a hold on my payroll check, I have tried to go it to two different branches and called multiple time and they will not help me. They wont ever tell me the correct date for when my pay check will be available. I have been told 4 different days. They have charged me over deft fee because money was taken out of the account and they have informed me that the charges will continue to charge me until money is place into the account however, I don't get paid again for another week so I am unable to place more money into the account. US Bank refuses to help me in anyway and they wont stop the fees or take the hold of so I can pay my bills. My account is just of 47 days old and US bank told me the they place hold on any money coming into accounts for the first 90 days. However, When I opened the account the employee told me that because I have a loan through them that this would not apply to me. I was miss in formed from the start if I would have known this information from the start I wont have open my account with this bank.

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 2018-06-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: First Data Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from Merchant XXXX XXXX and the creditor is TeleCheck. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for Telecheck. I called Telecheck and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call TRS. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in Louisiana. I need them to remove this from my record and not have this associated with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Uber Technologies Inc.
State: PA
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:
XXXX/XXXX/2016 XXXX XXXX XXXX I was told that credit does n't matter good or bad, and the lease of the Vehicle would n't effect my credit. I was never informed that a hard or soft inquiry would be done. 

This vehicle was leased from Uber to drive Uber. I was told it would not effect my credit in any way positive or negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Due to the XXXX breach we froze our credit accounts with all three credit bureaus however Transunion 's eBureau division is still rating us as of XXXX,2017. With erroneous information.

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 2023-03-11
Company: Spring Oaks Capital, LLC
State: VA
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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Spring Oaks Capital LLC, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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:
I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a problem with this company before, but my problem now is i cant afford i cant afford the fees, late payments etc. I work at a XXXX  and we have unpaid vacations and hard to catch up.

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 2020-05-01
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 information incorrect

Complaint:
I attended XXXX University 's XXXX program from XX/XX/2018 to XX/XX/2018. On the last day of the semester, I withdrew per XXXX 's published guidelines. My account at this time was paid in full. After withdrawal, XXXX attempted to charge me {$2400.00} for a session in which I never attended a single second. They then reported this balance falsely on my credit reports by either mail or wire, unbeknownst to me. This fraudulent reporting has adversely affected my credit score every month since approximately XX/XX/2018.

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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XX/XX/XXXX, my son opened a XXXX XXXX credit card account and added me as an authorized user to help boost my score so that I can pursue the purchase of my first home. XXXX XXXX has reported this account on all 3 credit bureaus since it has been open and after more than 3 years, my score was finally where it needed to be to start the mortgage process. However, in XX/XX/XXXX, Transunion failed to report this account and stated that it was removed. My FICO score immediately dropped 46 points, leaving me with a score that no longer qualified for a mortgage. The first action I took was a call to XXXX  XXXX on XX/XX/XXXX to inquire about why my account was removed from Transunion ( it still shows on XXXX  and XXXX to this day ). No one had an answer for me, but the customer service rep was able to verify that I was still an authorized user on the account and that is was in good standing. She told me to contact Transunion to have them pull up the information they had sent for reporting. I then called Transunion as directed and they said to call XXXX XXXX back again and tell them to resend the information because they were not showing anything. Still, no one can tell me why it was removed in the first place and I can't dispute something that is missing. I called XXXX XXXX back and told them what Transunion told me and XXXX XXXX assured me that they have submitted my account information to them already and that it may take a few days after the statement closing date ( the XXXX of each month ) to appear. I gave it some time to see if that would happen. And of course, it did not. On XX/XX/XXXX I called XXXX XXXX back to inform them that it still has not been reported on Transunion. Again, they verified my account in good standing as an authorized user and assured me that they have submitted my account information to all 3 credit bureaus. Due to the lag time it takes the bureaus to update the information it should show up a few days after the XX/XX/XXXX statement closing date. As of XX/XX/XXXX it is still missing from Transunion, but currently reports on the other 2 bureaus. Documents and statements are being submitted with this complaint against Transunion to support my claim. I have worked diligently to improve my credit so that I can finally become a homeowner. But Transunion 's gross negligence of not reporting this vital information that has been furnished by XXXX XXXX on my behalf has prevented me from qualifying for a mortgage. Someone wrongfully removed my account and the devastating effects were immediate. I should not have to wait 45 - 90 days for it to be fixed.

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 2021-08-05
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: Account information incorrect

Complaint:
I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions 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:
I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it 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 2023-01-05
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:
This is my NUMEROUS request that 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 belong 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 following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation