BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wages are currently being garnished from a charge off on my credit card back in XXXX. The original creditor was LVNV funding LLC, which was taken over by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The original complaint was filed on XX/XX/XXXX, and my case was taken over by two judges since then. I received a letter in the mail on XX/XX/XXXX, informing me that my wages were going to be garnished from my job. The letter contained information that XXXX was notifying me that a Writ of Garnishment has been received as of XX/XX/XXXX. During the period of the two judge transfers starting on XX/XX/XXXX, no action was taken. My question is I never heard anything until just recently that the case was reopened after five years. Why am I being garnished after five years of no contact? They are wanting {$9200.00} when the last amount of charge off was {$5700.00}. I'm not sure what to do at this point. The amount of {$180.00} has been garnished from my XX/XX/XXXX paycheck. I can not afford 25 % taken from my paycheck every two weeks when I only make {$2200.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I transfered XXXX Dollar from my bank account through western union to my brother in XXXX and they only asked me for the receiver First, second, third and last name and i gave them exactly everything as they requested.. and now he is now able to get the money from XXXX as they keep telling him that they need the fourth and fifth name also!!! 

Everything else is identical.. ID number .. tracking number.. everything and they refuse to give him the money .. and i am trying to call the company i lost a lot of money trying to call them Internationally and with no good answer .. just handing me from one agent to another.. and when i tried to cancel the transaction and get my money back they are telling me that they will cut it of ... please i am very frustrated form them .. help me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2020-09-11
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: Account status incorrect

Complaint:
XXXX ; XXXX and Transunion should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XXXX, 2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX AND XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX  XXXX Date of request : XX/XX/XXXX XXXX XXXX XXXX Date of request : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request : 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 2023-04-03
Company: EQUIFAX, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I called and told capital one I didnt do a charge and they wont take it off. Gave me a new card for it at least that was already active and someone used it before I actives called and asked about it and said it was using during the night which I didnt even have it yet. How does that happen unless they are already having them active before sending out and knowing the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a dispute back in may of this year. My XXXX XXXX XXXX XXXX XXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX  XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on 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 explanation
Consumer complaint received 2019-10-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Every day I am getting harassing calls at my job, which is making it difficult for me to work, as well as getting harassing calls on my house phone and cell phone for myself and my mother, the cosigner. The representatives says things such as I shouldn't have taken out the loans if I can't afford the payments, they are going so send an officer to my place of employment, as well as to my home to serve me notice, they are going to garnish my wages, and they are going to keep contacting me. On Monday, XX/XX/2019, I told the representative that I fell behind in payments due to me getting sick for a few months so i was out of work with no income, this was after the months of XX/XX/XXXX-XX/XX/XXXX when I am unemployed because school isn't in session. The representative offered me a XXXX paper for the time I was working, but my illness would not be labeled as a XXXX, I just had to get well and I told her that. She then told me to try to borrow the {$370.00} payment from someone so the loans wouldn't default. i explained to her that no one has that type of money to loan me and I can't pay them such a high payment and still live month to month. The last payment was made to them on XX/XX/2019 in the amount of {$340.00} by my mother was is on a fixed income due to retiring and we can't afford that high payment. We have experienced several losses like repossession and loss of housing due to income changes. It is stressful and they aren't trying to compromise, but threaten and call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I was charged a {$5.00} excess activity fee from Key Bank for transferring funds from my savings account to my checking account. This resulted in an overdraft fee being assessed. I was able to get the overdraft fee resolved, but prior to doing so I researched the reason for the original fee, and the verbiage on their website detailed it as being in compliance with Regulation D. My transfers did not exceed 6 in one month and seemed to be more due to the dollar amount of the two transfers out of the account to my checking, totaling {$1100.00}. It was my understanding that Regulation D was lifted in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: ENCORE CAPITAL GROUP INC.
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 am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. Midland Credit Management is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed.. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts published from Midland Credit without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX bankrupcy However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-03
Company: Sterling & Associates, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There's a XXXX charge cass number XXXX it's supposed to be closed and it got dropped you still are active I shouldn't have no active cases. 
And I know live back in XXXX Louisiana the address is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express Platinum card was locked from use after an unknown 3rd party that was not on my account, did not have access to my card, and who I have no knowledge of their existence, had an unpaid balance on THEIR DIFFERENT credit card. Again, a total stranger did not pay their bill so my unrelated AMEX Platinum was locked for ~3ish months. I paid {$690.00} for a 1 year membership and I was unable to use my card for 1/4th ( 25 % ) of that time. I have been calling and live-chatting since mid XXXX to get my card reactivated, my credit score fixed, my membership extended by the 3 months I was locked out, and my sign up bonus reinstated since I was wrongfully locked out of my account for the entire duration of the sign-up bonus. They continually tell me to wait 2-3 weeks then call back, as I have been doing for 6 months now with no resolution in sight. I would cancel my account but I would lose any chance to get my refund on the wasted, stolen membership. First Declined charge was on XX/XX/22 and no charges would process despite a {$0.00} balance and no notice of locking or anything until XX/XX/22. I've been in contact with them from XXXX with no resolution, just being told to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 WOULD LIKE TO KNOW THE REASON WHY NOTHING HAS BEEN DONE BY ETHER AGENCY ABOUT THE XXXX 'S XXXX/XXXX ACCOUNTS WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT, STILL NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW WHAT'S GOING ON AND PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORTS BECAUSE IT IS REALLY GETTING IN THE WAY OF CERTAIN GOALS I WANT/NEED TO ACHIEVE. IF THIS ACCOUNT IS REMOVED IT WILL REALLY HELP OUT A LOT.

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 2023-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made attempts to reach out to Equifax and XXXX in attempt to request that the hard inquiries be removed from my credit report as I did not authorize them. They have confirmed receipt of the request and refused to remove the following inquiries from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was at XXXX XXXX checking out and the clerk offered to give me a discount on my purchase if I opened a *store* card. I asked her to confirm that it was a store rewards card ( rather than a credit card ) and she did. She filled out the application for me ( asking me for my details ) and submitted it. I completed the checkout with no additional payment required, since she told me the opening bonus would cover the entire balance. 

I later checked my credit report with XXXX, and saw that they had opened a store credit card ( XX/XX/XXXX according to XXXX ) with Synchrony Bank and the amount that I had spent at the store was listed as past due ( the amount that should've been covered by the reward in the first place ). Since I had not knowingly opened a card, I was unaware that it existed up until this point, and obviously could not have paid the balance, nor did they contact me to make me aware of the late balance before reporting it to the credit bureaus. 

I contacted their customer service early in 2021 when I discovered the issue, and they referred me to their fraud department. The fraud department assured me that the balance would be zeroed and the account would be removed from my credit report. They instead closed the account and left it on my report showing paid and closed ( but previously past-due in XX/XX/XXXX ). I contacted them several times in the ensuing XXXX months and they repeatedly assured me that it will be taken care of, but to date it has not. It has been several months since my last attempt to resolve the issue.

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 2021-07-19
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-10-04
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
1- I tried to dispute a charge with Discover Card today XX/XX/2021. 
After I went through all its question pages, provided all the information it asked, wrote and explained things, composed sentences within the limited number of characters allowed, uploaded images, all that, reaching the submit page. There I read this message : you can not submit this online, call 1-800 .... I have experienced the same thing a few years back. It is not clear why Discover uses this deception to waste customers ' time? Why, for example, I am asked me to upload files if the case requires me to call? When I called Discover, waited on the phone and talked to someone, I learned that none of the information I provided online was stored. A complete deliberate waste of customers ' time. **** 2- I tried to find an email address and contact discover by email. There is none and the company does not provide an email. **** 3- I tried to send Discover a message from my Discover account. There is an inbox but no outbox!! I tried to compose a message but only messages related to some obscure subjects ( such as naturalization / change of name ) is possible. No possibility of contacting Discover for any real issues. **** 4- Discover has a chat line that pops up. I tried it. It is an AI garbage. Discover does not want to hire American workers to serve its customers and relies on largely useless AI gimmicks. **** All in all, terrible service.

Company response to consumer: Closed with explanation