BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/18- 3 phones calls between XXXX and XXXX. The first 2 calls I did not answer but on the 3rd I picked up thinking it might be something important. The female who would not provide her name, just that she was with Common Wealth Financial. After giving the company name she hung up. When I called the number back XXXX answered and said this was about a debt but first he must say legally this is an attempt to collect a debt. He DID NOT the mini-miranda This is an attempt to collect a debt. Any information obtained will be used for that purpose '' XXXX never provide the name of the creditor just that it was a medical bill, the amount owed and said he would just send a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-03-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am part of the customers that lost their house in foreclosure due to getting the wrong modification from wells Fargo which made my payments higher instead of lower. I know I need to be compensated for that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
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 called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification from XXXX XXXX of a Debt Collection on my report. I look into the claim and its ITEM IN DISPUTE : HWARFIELD XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : Ownership I contacted HWarefield and told them this is fraudulent. They asked me to send my personal information information which i refused. This not my debt. I have never personally done business on any level with these people. 

I need this removed from my credit report as soon as possible Thank You

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 2019-08-20
Company: WELLS FARGO & COMPANY
State: GA
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:
I had loan accounts opened in my name and it has negatively impacted my credit ratings.  I received a call when I used to bank with them that someone had tried to open several accounts with my information so not sure how this even happened?They have placed this on my credit reports and I am a victim of fraud and identity theft and never signed any documents opening any loan accounts

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 2020-05-23
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was off on XX/XX/20. I received a letter stating that they were attempting to collect the same debt, when I checked my online account and called I was told that I'd have to wait 10 days in order to receive an updated correspondence and that I could not have an email sent showing that the balance was paid and the account was closed. When I inquired as to why my online account was not reflecting payment I was told that's an IT issue and I'd again have to wait. I have a bank statement showing that the amount was deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recieved A response from the named company stating I owe A debt taht i have no knowledge of. I filed A complaint against this company because they are reporting inaccurate information. When i requested proof of debt I was sent A credit card statement. Which is NOT proof of debt. Tis shows that somebody used my name or information and received A card in my name. I have not recieved A signed contract nor copy of my drivers license to show and prove that I am the party they are trying to collect on. I have stated now for the second time that i have not had any contracts, services or cards with this company or the named company on the statement they " Credit one '' Additionally I would like to add the address they have listed on  the statement is not my address. However as of today they are still reporting this incorrect information even after I have informed them that this does not belong to me. This is my final complaint in an attempt to have this company remove this incorrect data from my credit file or I will pursuit legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After paying TIAA {$300.00} for an appraisal on my home in XX/XX/XXXX I called and asked to have an electronic copy emailed to me. They confirmed my email address and told me I would received the document within the hour. It never came. I scanned the hard copy myself and moved on. 

On XX/XX/XXXX I called to ask for a copy of my most recent statement as I was unable to access it through their online banking system and they have never sent them to me via mail. I was told the statement would be emailed within 30-60 minutes and it never came. I was also told my online banking would be corrected to allow me to access my statements online. That never happened either. 

On XX/XX/XXXX I called back to request a copy of my statement. I again verified my email and was again told it would come to me within 30-60 minutes and it never came. I am still unable to access my statements online or via email. 

I need these statements to prove eligibility for sliding scale healthcare and a home refinance. I am not receiving them via the USPS, email, or online access. After 3+ hours spent on the phone with TIAA I still do not have a copy of my mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, Inc.
State: NV
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:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please check payment history, date open, last activity and Status of XXXX XXXX COMENITY BANK/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CB/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX I ran my first XXXX XXXX inquiry and discovered 3 accounts that were never set up by me. I did not know how to resolve the issue, so I made payments for the first time that next month, from my personal checking account in order to not ruin my credit and called and closed those accounts and reported them. I continued to pay on them while I investigated and tried disputing them. I discovered, through some time and law enforcement investigation that I have been the victim if identity theft. I filed a police report and an investigation was started and sent to the prosecutors office. It is probably international, so they did not pursue. I have a copy of the police report filed on XX/XX/XXXX with XXXX County Sheriffs office. These accounts have been open and paid for for years without my knowledge or consent. No paper bills were ever mailed here until I requested them. No payments were made from my accounts until I discovered the accounts on XX/XX/XXXX ( I believe ) There was a fraudulent XXXX account, linked to XXXX and light coins that was used to pay for these credit cards. that was closed and resolved immediately. I never signed an agreement to open these credit cards. I have spent over a year disputing these 2 Bank of America accounts. At first I was told it was resolved and then they changed their minds. I have spent thousands trying to keep a good credit rating and have spent countless hours on the phone with them disputing and trying to repeal the denial. I have provided Bank of America with the police report and proof that the account used to make payments on the Bank of America credit cards was fraudulent. I provided them with this TWICE, as it was 'lost ' the first time. I have not attached any documentation to this, as I have already provided it to Bank of America twice. They should have it. 
I believe I have fulfilled all of the requirements and I continue to cooperate. However, I was told I could look to you for help resolving this issue. I feel like I have had no choice and I'm losing so much for an account charging things that I have never heard of or seen! 
Thank you in advance for your help, 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 2023-01-18
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX I received {$15000.00} From XXXX XXXX XXXX. 

Account Has been limited after payment received. 

sent paypal a photocopy of my drivers licence, bank statement, and answered questions regrading to the activity on the account. 

XXXX of XXXX I received a email from paypal stating they have chosen to part ways and i have to wait 180 days for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX B-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry 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 2020-06-01
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:
the account I listed are fraud I check my credit and I found the accounts I never open this is a fraud accounts

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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account on my credit report is false. Ive contacted you with validation letters and you sent false information back. The statements you provide had an address that doesnt belongs to me. Its against the FCRA. You will be fined {$1000.00}. I will take legal action if this account is not deleted 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 2023-01-06
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received an email today from Discover saying my account was closed because they couldnt verify who I am. I've had my credit card since XX/XX/2022 and had XXXX problems and always on time with payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a unauthorized wire transfer was withdrawl out of my savings account without my authorization i sent all the documentation to Citibank to tell them i am a victim of fraud i did not authorize a wire transfer. I was a victim of sim card swap XXXX confirm this

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 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Claim # XXXX from Bank of America My account was charged {$180.00} from cash app. I did not authorize this transaction. I contacted XXXX XXXX through email and I was told to request a refund. I requested a refund and was not successful. I contacted my bank institution and explained the situation and they temporarily credited me back the {$180.00} until investigation was over. Claim was closed and now Bank of America wants to hold me accountable for the transaction. I do not think it is fair to hold me accountable for this transaction.

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 2020-12-02
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This morning on XX/XX/2020 I received an update on my credit report of a new derogatory remark from a company Jefferson Capital Systems LLC whom I have never heard of. They had opened an account on XX/XX/XXXX without my knowledge stating they had bought debt from XXXX XXXX in my name to the tune of {$100.00}. I have never been contacted via mail, phone, or email by Jefferson Capital Systems LLC to make me aware that I in fact owed them any amount of money. Instead they put my account in to collections putting a negative remark on my credit report, and driving down my credit score. 

If I am correct, this goes against the Fair Debt Collection practices act subsection 808, as well as subsection 809 showing that they have to make contact with me about debt owed to them. I have contacted Jefferson Capital Systems LLC today XX/XX/2020 to speak to them about why my account with them is in collections on my credit report. They repeatedly said that what they did is within their company guidelines, and completely ignored what I had to say when I brought up the Federal Fair Debt Collection Practices Act. 

I don't see any way that shows what they did as being legal, how was I supposed to know I owed Jefferson Capital Systems LLC money if they never contacted me saying so? What they said is that if I pay the debt, the remark will be removed, however I truly believe what they did is technically against the law.

Company response to consumer: Closed with non-monetary relief