BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
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: Account information incorrect

Complaint:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX. and XXXX XXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX XXXX? Furthermore, it has been [ 37 ] thirty seven days since the debt has been paid in full and it has not reflected on 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 2016-09-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The company SANTANDER CONSUMER USA is reporting that I have missed a payment. I have never missed a payment. The vehicle was traded in. Santander received and posted the payment late.. Under the FCRA, they are required to conduct an investigation on this account if I request it. I submitted in writting requesting for them to conduct an investigation. Per the FCRA, they had 30 days to conduct this investigation and respond to my request. Santander did not respond within this time periord, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX and Emmett Goodman office have not provided me with the information and documentation I have requested in regards to alleged debt. 
Everything is listed in documents attached as well as in this box. I have placed a freeze on my credit report so that no more unauthorized pulls or fraudulent accounts are added to my file. I am very concerned about the way XXXX XXXX XXXX opened an account and added it to my credit file as if its a new account? Yet only reported it when a summons was delivered on XX/XX/2019. This alleged debt has NOT been validated and still hasn't been. Both XXXX XXXX XXXX and Emmett Goodman 's Office has not furnished me with the documents I need for the hearing. I want this information in writing. Not hearsay or what they say XXXX XXXX XXXX says. Along with the information I am requesting and have a right to see and examine, I also want the entire unredacted file from XXXX XXXX that XXXX XXXX XXXX received electronically and also the physical documents sent to them. I have a right to examine this. XXXX XXXX XXXX and their counsel should be able to produce even basic information to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX/XXXX/2017, at XXXX XXXX, I received a phone call from Wells Fargo 's representative XXXX XXXX. She acknowledged my complaint but once again refused to allow me to record the conversation. She insisted on not providing the timely response, by stating the next follow up phone call will be on XXXX XXXX, which is over two weeks from today, knowing that we have been deceived before with false deadlines and exploiting our patience and generosity. This process has been going on for many months and Wells Fargo keeps refusing to release the appraisal in the acceptable format.

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently reviewed my credit report and noticed an unauthorized and fraudulent inquiry on my TRANSUNION credit report.I called to let them know my rights to have any inaccurate information taken off immediately. They told me to call the actual company that the inquiry is from. So I called them and they put a report in and told me they were going to request to transunion to delete it. I gave it some time and I called transunion to see if it was off ( the inquiry ) .They told me they never received it and still werent complying.I feel like someone is not doing their job right because as I recall, any inaccurate information has to come off, but hasnt come off yet and I dont know what else to do so here I am

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 2019-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a fraudulent withdrawal in XX/XX/XXXX with my credit card with Capital One. I reported the withdrawal as a fraudulent transaction and was temporarily credited the money. The money was taken back after they concluded that it was not a fraudulent transaction. I had guests in my home when the transaction took place and my card was used without my permission or consent. It is still fraud. Even though my PIN number was used, I had all my PIN numbers written on a piece of paper in my wallet. That is how my PIN number was exposed. I am irritated that Capital One refuses to reimburse me for this. They exposed the data in a breach that I am still suffering from. I have had this account since XXXX and been a good customer. I need my money back for the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX andXX/XX/XXXX, the creditor name on this account was changed from XXXX to XXXX  on my Credit Report. I have attached a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Harris & Harris, Ltd.
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:
XXXX XXXX XXXX XXXX XXXX - First, you get a recording from phone number XXXX telling you to call the number above about a debt. I have called the number and they ask for a lady named XXXX. My name is XXXX and this is obviously the wrong number. I have called them times to ask them to stop but the calls keep on coming. 

PLEASE HELP AND MAKE IT STOP! 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Personal information incorrect

Complaint:
I have reached out to each credit bureau several times about the name and addresses listed on my credit report being inaccurate and they have not removed the information from my credit file. with all of the credit breeches and fraud going on I would like this fixed immediately. 


Name And Addresses XXXX XXXX XXXX ( this isn't my legal name that is on my social security card please remove ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( I have never lived here. please remove ) XXXX XXXX XXXX XXXX, CA XXXX ( I have never lived here. please remove ) please remove the information that I am listing because I have never lived at the addresses. 

My Correct name and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA 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 2017-11-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, Equifax received my dispute about Bankruptcys on my credit file as being incorrect. As of XX/XX/XXXX, I still have not received the results of the dispute nor has the information been deleted. When I called Equifax, the supervisor named XXXX with employee ID XXXX, states the information was sent electronically to an old email address and refused to send it to a new email address on file. Equifax has also not removed old addresses or employers as requested in XX/XX/XXXX. XXXX advised me the information has been verified with the Bankruptcy court, which I know to be untrue because the courts do not verify this information by calling them over the phone which she indicated is how it was verified. Equifax has not followed the guidelines set forth by the FCPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: RICHLAND HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke to the company reporting debt to credit agencies, based on the information there reporting, I had medical insurance coverage at the time and the fail to invoice XXXX XXXX   XXXX XXXX XXXX. Both companies were on 3 way call and was adviced to send invoice but company could not produce invoice nor where they tried to submit invoice. So this is inaccurate information harm credit causing me Turbulence and request that this be removed ASAP.

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 2019-05-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX my chase checking account was hacked and 2 XXXX quick pay transfers ( account ending in XXXX ) were made to unknown person ( {$990.00} and {$770.00} ) totaling {$1700.00}. I immediately contacted Chase fraud dept and executive offices. I was issued a provisional credit of {$1700.00} while Chase investigated mater. I also closed accounts, opened 2 new accounts- changed ID and password. On XX/XX/2019 Chase came back with fraud claim denied with no notice/ email/ courtesy phone call or mail- they just took the amount of {$1700.00} out of my account ending in ( XXXX ) i had pending transactions and cause my account to be overdrawn - charging several NSF fees. I called fraud department and was told they determined that i made the wire transfers my self to a person i knew. They said decision was final and nothing could be done. I did not make those wire transfers. I do not know the person who received money transaction. I have never signed up or used XXXX quick pay. No one has access to my laptop/ cell phone so no way possible i am responsible for this fraudulent incident. Chase does not spend money to protect cyber activity with their online banking services. I also run a daily anti virus program daily on my laptop. I contacted the executive offices ( XX/XX/2019) XXXX ext XXXX ( XXXX ) said he would investigate- also communicated with fraud department XXXX with no success in recovering my money {$1700.00} plus NSF fees as a result of incident. 

I have filed a online complaint with Federal Trade Commission and Texas Attorney general 's office XXXX consumer Complaints. 
Executive Offices Rep ( XXXX ext XXXX unable to resolve at this time. 

Mr. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XXXX XXXX, XXXX I was served with papers by Portfolio Recovery Associates PRA for an alleged debt from XXXX. I responded to the court order and served upon PRA a request for the following information as allowed by the FDCPA.
1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
PRA failed and refused to provide me with this information after my request and I have now learned that PRA did not have all of this information required of them prior to filing the lawsuit as required by ; UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 201s-CFPB-0023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
*Cavalry Portfolio Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/19 1. Cavalry didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 
3. Remark trade lines as DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In g
eneral No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX   Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA 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