BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-09
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, XXXX, and TransUnion consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while XXXX and TransUnion are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and XXXX and TransUnion are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and TransUnion is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as XXXX and TransUnion are inconsistent and not following these laws.

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 2021-08-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I know that these accounts are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
I have requested proof multiple times for incorrect status and balances. Please delete the following accounts : XXXX XXXX XXXX   XXXX XXXX # XXXX ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX UNVERIFIED PLEASE DELETE XXXX XXXX XXXX # XXXX ACCOUNT NOT MINE PLEASE DELETE XXXX/XXXX XXXX XXXX # XXXX DUPLICATE PLEASE DELETE XXXX/XXXX  # XXXX DUPLICATE PLEASE DELETE XXXX  # XXXX WRONG BALANCE ERROR PLEASE DELETE 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 2023-06-28
Company: EMCC Holdings, LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I notified XXXX XXXX about them inaccuratley reporting a 30 day late payment on my XXXX Credit Report. At the same time I reported the dispute to XXXX. XXXX notified me the resolution had been posted. When I checked, they reported me late in XXXX, rather than removing the 30 day late in XXXX. The XXXX payment was not even due. I then disputed it again with XXXX. On XX/XX/2023 they notified me that the dispute was reolved. They removed the late payment in XXXX, but failed to remove the intial late payment in XXXX have yet to receive a response or evidence showing the late payment in XXXX as of XX/XX/2023, which has been several days beyond the intial 30 days I requested the dispute to be settled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: MI
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 obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DONT RECOGIZE THESE ACCOUNTS 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 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 2023-03-23
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:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I went into a U.S. Bank branch to open up a U.S. Bank Business Silver Checking account along with a U.S. Bank Platinum Business Money Market Account. There was also a promotional offer where I would receive {$400.00} bonus if I deposited {$5000.00} in new money into the account within 30 days. On XX/XX/2019, I made my first deposit of {$3000.00} and I made another deposit of {$2000.00} on XX/XX/2019. The flyer states that I will receive my bonus within 45 days after deposit verification. From XX/XX/2019 to XX/XX/2019, it has been 76 days. The banker who helped open my account made certain that the promotional code he entered was correct, but I'm unsure why there's such a long delay of my bonus posting. Also, the banker mentioned that there would be three statements worth of fee waivers for the U.S. Bank Platinum Business Money Market Account, but I've been assessed the second and third statement fees on XX/XX/2019 and XX/XX/2019, respectively. I contacted the banker and he said he'd get back to me once he hears back, but I haven't heard from him since.

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 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX one of them XXXX XXXX and it was some other businesses and companies that I applied for a credit card and they denied me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The XXXX XXXX XXXX Bank and the credit card companies have stolen my assets. My grandmother was XXXX XXXX XXXX and my Father was XXXX XXXX XXXX and I am XXXX XXXX XXXX. I have been searching for a resolution for 13 years and I've been given nothing but lies and wild goose chases from all entities. The issue seems to be too overwhelming for anyone to take action in my favor. I will start to post my bank statements and other evidence online so as to make the community aware of my wasted life and complete existence while someone else enjoys the spoils of my family 's blood, sweat, and tears. My family was ignored contractually and left to die I am the designated principal and last of my bloodline. The account has been given to every bank from here to New York. My expenses do not allow me legal assistance in this matter. Please help, I've been reduced by labels that do not describe the truth. I have suffered greatly, we have all been left without our investments by lies and excuses from the holder for 13 years. My SSN is 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 2021-08-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For the week of XXXX XXXX -XXXX  XX/XX/2021 XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ The overdraft fee is XXXX  $ x12 in one week is XXXX  $ Im being unlawfully being charged overdraft fees which is again fair business practices and public policy.

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 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXXXXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX  Balance : {$2900.00}.

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 2017-03-07
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced with XXXX and their parent company Golden Empire Mortgage. It was made clear to me there would be no points. Later, they added thousands of dollars in points buried in the documentation.They did n't contact me by letter, email or phone. I 'm not a professional so it slipped past me especially since I was told there would be no points. The added fees were hard for someone like me to spot or even look for as a result. I consider this bad business practice and a dishonest way to handle the process. I would like they way it was handled investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account has been charged fees out of retaliation for my complaints with the consumer Federal protection bureau. I was told by XXXX XXXX XXXX vice president branch manager and XXXX number XXXX that if I make any other complaints about fees all of my accounts will be closed. Today I realized there was additional fees taking out of my account that I was not entitled to pay. I went in the branch asking to go over the fees one by one. The branch refused instead referred me to speak to XXXX XXXX district manager over the XXXX branch location that I visited. And which she was rude to me as always and advised me that my account all three of them will be closed at the bank 's discretion. And that they would not go over any fees with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went to branch report a problem. Multiple accounts opened in my name my money was divided in to two 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 2023-06-28
Company: EQUIFAX, INC.
State: TX
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 am submitting this CFPB Complaint by the provisions of the Fair Credit Reporting Act and request that the Credit reporting Agencies remove the unauthorized inquiries reporting on my Credit File. I sent a dispute letter to each of the three major Credit Reporting Bureaus on XX/XX/XXXX, with complete attachments of my personal information as well as the FTC Report I received from the Federal Trade Commission for reporting the fraudulent activities on my Credit File. I need the following unauthorized inquiries removed from my Credit File the sooner the better : 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  XX/XX/XXXX. It has been 15 days for the Credit Bureaus to validate these inquiries and I expect that these inquiries will be completely removed from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Over the XXXX XXXX weekend I completely paid off my Bank of America credit card to the tune of {$7500.00}. We're in the process of paying off all of our debt and I called BofA to ask about transferring some balances to my newly paid off card. The woman I spoke with was more than happy to help me until I mentioned my husband. We're a XXXX couple. Immediately her tone changed and she made a XXXX remark. When asked about household income she said only my income and not my husband 's income was a factor, and then she put me on hold. When she returned she informed me that BofA no longer wished to do business with me, no longer valued me as a customer. In all of my years I've never missed a payment. I believe I was terminated as a customer because I'm XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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 status incorrect

Complaint:
On XXXX/XXXX/2020 I received notification from my credit monitoring companies shows that a credit card account from XXXX  were reported to the Equifax credit bureau with the description reported as affected by natural disaster credit card. I called XXXX  and the customer service rep says that my account is not on any disaster plan. I called Equifax to dispute the charge and Equifax and were told that there wasn't anything in the description says my account were affected. I have a screen shot copy from the credit monitoring it's been other occupation where Equifax has reported and inquiry from XX/XX/2020 in XX/XX/2020 it showed up on my credit report and when I called the company they didn't have any knowledge of that inquiry. This has cause a halt with my credit score because Equifax keeps reports errors that harming my credit. Being a XXXX XXXX and working very hard to achieve a better credit score and for the credit bureau to report these errors and to have a lower credit score is very emotional hurtful.

Company response to consumer: Closed with explanation