BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: Experian Information Solutions 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:
Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX XXXX Credit Card. The Removal Date that is stated on the Experian is XX/XX/2019. Today date is XX/XX/2019, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( 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 2018-04-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A representative named XXXX from a company called XXXX XXXX out of a Texas called two family members of mine saying they needed to serve me with papers. 

My mother forwarded me the number they called from so I returned the call. Spoke with a woman named XXXX. She claimed I was not supposed to be given this number but said she would help anyway. She informed me I had an account with XXXX XXXX from XX/XX/XXXX that had gone into collections in XX/XX/XXXX. I've never received any mail, calls or emails regarding this. She informed me that if I paid {$760.00} by XXXX XXXX today ( XX/XX/XXXX ) I would be served with a summons. She claimed I could use anyone 's credit card so long as they signed the paperwork she would be emailing to me. I never received an email. 

I contacted XXXX/Wells Fargo. The collections department informed I was in good standing with them and that there was no record of my account or debt. Regardless of the amount of time that passed there should still be a profile for me and that there was none. They instructed me to not pay or provide information to XXXX XXXX  and had no record of ever using them for any purpose. They also informed me that they never threaten to sue customers over past debt and that they've had an influx in scam calls recently. 

When I called XXXX back I did not get an answer at first. No answering machine either. I called again and informed her of what the bank said. She immediately became unpleasant and offered to put a manager on the phone. After a brief hold XXXX picked up again and simply said that I would be receiving papers within a few days. I said I'd happily contact my lawyer and she hung up. I've already spoken with someone at the FTC who agreed it sounded like a scam as did the rep from XXXX. 

The number I called to reach XXXX XXXX is XXXX. I am happy to follow up with whomever necessary to make sure this is handled.

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 2019-02-24
Company: Experian Information Solutions Inc.
State: SC
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 became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XX/XX/XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, Experian, and XXXX of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC   Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of  the Fair Credit Reporting Act.

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 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have an issue with XXXX and Transunion reporting. XXXX XXXX deleted an account off my credit report but it still shows on both XXXX and Transunion. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than Transunion. Something on XXXX side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need Transunion and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.

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 2019-03-19
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recieved notices to remove pet from my apartment and I complied. The following day I was admitted to the hospital for a week. While I was in the hospital the leading office allowed my family to enter the apartment without my permission and move my personal belongings into storage. They are failing to communicate with me and come up with a solution to the issues needing resolved. I was informed that new management had taken over and that it was a hassle for them to find any of my records/leasing information and even record of me living there. Ive attempted contact plenty of times including in person and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have Barclays XXXX Visa card. I was late on one payment. They without warning cancelled and closed my account. They then informed my interest rate would be 21.24 %. They informed me the only way I would qualify for a lower payment is if I had a hardship and failed to make payments. I explained to them I had a significant hardship, but I am now current on my payments. They stated the account would have to be in collection in order to get a lower interest rate. I explained to them that made no sense that because I am current on my payments now they can not restore my credit or lower my rate. The representative even agreed the system made no sense, but she was bound by the banks rules and they can not make exceptions for one particular person.

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 2021-03-27
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a chargeback on XX/XX/2021 of {$100.00}, and was notified my trading was disabled. I deposited {$1500.00} to cover the chargeback on XX/XX/2021. The website said my trading would be restored in 5 days. 

It is now XX/XX/2021, and I can not access my money. They will not let me withdraw the funds to my bank account, sell, or buy XXXX. I have around {$1800.00} stuck on their platform that they will not let me withdraw. 

I have sent several support tickets, which show up as Solved as soon as I send them. Nobody is looking at the support tickets or responding to them. 

Ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I dont recognize some of the accounts that are reporting to 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 non-monetary relief
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XXXX of XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, XXXX, and Transunion of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

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 2019-02-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
There was an error on my credit report at time of this company checking and they lowered my limit from {$3500.00} to $ 520 days after I paid it down to a {$320.00} balance. My credit report has since been fixed but now my points dropped 93 due to this card limit decrease. I paid my debt down to under 10 % in order to get a loan to buy a business. Now after they lowered my limit my score dropped 93 points because of 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 non-monetary relief
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: SC
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 became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XX/XX/XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, Equifax, Experian, and Transunion of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to Darcy ( 06-30-00 ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
Yes 2020 I had gotten XXXX XX/XX/XXXX someone got my card I ordered a new XXXX end of XX/XX/2020 and the money was mostly gone my roommate did it I told bank of America they said there refund me then sent a letter eorr they keep sending me letters to open my claim but they send the same thing error so I don't know what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been in XXXX two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XX/XX/XXXX.During first trip I opened Bank of America checking account and close it right before I left a country at XX/XX/XXXX.Second trip was from XX/XX/XXXX till XX/XX/XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XX/XX/XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX at XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in XXXX XXXX till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to XXXX. Those accounts were opened within XX/XX/XXXX-XX/XX/XXXX years when I lived in XXXX and dont even think about XXXX. So, this complain is about BANK OF AMERICA account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ .I have never apply for Bank of America credit card/never received and never use ANY of Bank of America credit cards . I physically lived in XXXX-it 's no way for me to used this card. I called Bank of America fraud department and told all this information above, but they still didnt report to credit bureaus to remove this fraud account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: OR
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:
Dear XXXX, Equifax, XXXX, Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation