BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
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:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( TU & XXXX ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( TU & XXXX ) The following items are incorrectly reporting that I was late : XXXX   XXXX - Opened Date : XXXX ; Bal : {$650.00} ( TU, 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 2020-07-22
Company: Experian Information Solutions Inc.
State: AR
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-04-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive received repeated calls every weekday and on weekends throughout the day, from Midland Credit through different phone numbers. I have told them that I am in the process of disputing some of their claims, and they continue to call me every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my debt, however there werent many resources to assist with the amount that is due. I tried a payment plan but the amount was too much for me to handle. I can do like {$100.00} a month but thats going to take forever to pay off and also have other bills that are due. If theres any way to assist with my debt, that would help a lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls in violation of the DO NOT CALL LAW. This call was on XX/XX/2022 from XXXX no name on caller ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
I just filed a complaint on Experian on XX/XX/2022 complaint number XXXX I made a complaint expressing how I have asked Experian for them to investigate and reinvestigate the same 2 accounts several times and each time it comes back the same verified and accurate and no change, when I know that it's inaccurate. the 2 accounts below are the inaccurate accounts I'm speaking on : Account Name : XXXX XXXX XXXX Account # : XXXX and the 2 account is, Account Name : XXXXAccount # XXXX XXXXXXXX. Experian responded to my complaint saying you're going to reinvestigate these accounts at my request my complaint never said I wanted you to reinvestigate you already did. That's what I'm complaining about the results, I asked you to " IMMEDIATELY DELETE '' them because you failed to properly investigate and reinvestigate these accounts to many times. It is your responsibility to make sure my consumer report is reporting 100 % accurate and you failed it is my consumer report, it is about me, I am the consumer If I disagree with information that you are reporting on my consumer report, you must remove it. It is not up to the furnisher who is your clients to make the decision what's reporting on my consumer report which I didn't give them consent to furnish anything on my consumer report and I didn't give Experian permission either I was supposed to get a notice from the furnisher letting me no they were going to report negative information to my consumer report before they even did it to let them know if I was ok with them reporting my personal information or not they did not notify me neither did Experian. According to the FCRA 15USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and person meaning the creditor aka furnisher making the report are not included in consumer reports. My consumer rights have been violated by the furnishers of these accounts and Experian. DELETE THESE ACCOUNTS OFF OF MY CONSUMER REPORT IMMEDIATELY THAT IS MY REQUEST. If you do not delete these accounts immediately, I will file a complaint against Experian to the Attorney General and Federal Trade Commision for Willing fully and knowingly you are reporting inaccurate information on my consumer report I have every letter I sent you pertaining these accounts and every response you gave on these accounts as evidence. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been harassed by Wells Fargo Bank staff named XXXX XXXX XXXX from with attached dunnest that she has mailed may 20-50 smilax dcouments and nothing afterwards. Many of the documents she sent me I had no pending compliant that she need to send me such documents. XXXX XXXX is only harassing us when she no reason to write to us when there was no pending complaint and at any time she provide more detail.as stated in the attached letter. 
On XX/XX/XXXX my loan was modified with first payment starting date on XX/XX/XXXX.

On XX/XX/XXXX I received letter regarding foreclose of my property from XXXX XXXX who was the same officer who approved loan modification. 
I received loan modification on XX/XX/XXXX and in on XX/XX/XXXX I received notice regarding foreclose. Matter of 7 days I received notice for foreclosure and its not past XX/XX/XXXX which is when first payments should start.

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 2023-04-21
Company: ALLY FINANCIAL INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Have tried to transfer $ from ally IRA acct to ext acct All 4 transfers have not gone thru Ally continues to delay w/o explanation

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 2023-02-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter on XX/XX/XXXX to remove 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 that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2021-02-26
Company: ENOVA INTERNATIONAL, 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: Account information incorrect

Complaint:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to Net Credit, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Federal Trade Commission provides the following information regarding credit freezes : " If you request a lift of the freeze, the agency must lift it within one hour ... You also can lift the freeze temporarily without a fee. '' I have repeatedly and unsuccessfully attempted to temporarily lift a freeze on the Equifax web site on XX/XX/XXXX. Subsequently, on XX/XX/XXXX I called the Customer Service phone number ( XXXX ) XXXX. No issues were reported by the automated system performing the security checks. I was on hold for 30 minutes. After providing additional information to the customer representative, she informed me she did not have sufficient information to confirm I am the account owner. I was requested to mail proof of identity including driver 's license and SSN card. I asked to speak with a supervisor. After 30 min, the customer service rep informed me she would transfer my call to a supervisor, and put me back on hold. After another 30 min I talked to the supervisor. The supervisor asked me the same questions, repeated she was no going to be able to help me, and pointed me back at the web site. 
This violates the legal intent to make the process friendly and accessible. Equifax is demonstrating disregard regarding the customers ' time by complicating the process and not providing explicit information to help resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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 13th endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX 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 2023-07-16
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Saturday XX/XX/2023 XXXX dollars was taken out of my Synovus account without my authorization showing up as if a transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX when I had never visited that branch According to them after just using my card once in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ATM someone was able to steal my information The withdrawal was not obvious to me at first since I usually turn off my cell phone on Saturdays but after filing a complaint with synovus they replaced the XXXX dollars XX/XX/2023 I received a call saying they were going to close my account I was never given an explanation as to why the address of their XXXX XXXX XXXX branch reflected on the withdrawal nor why they took measures to close the account they still owe me XXXX cents sent to my account after it was closed I contacted XXXX the branch manager weeks after and she denied being the manager and denied knowing anything about a check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021.

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 2021-12-07
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX and on XXXX XXXX I transfer money to XXXX XXXX through XXXXe/zelle {$1200.00} to cell # XXXX it was the wrong number, I was notify by XXXX XXXX the next day, she never received the {$1200.00} on XX/XX/2021 I contacted XXXXZelle open a claim # XXXX they told me that they will contact the bank for the recipient to return the money, I have called the cell number XXXX no answer, I text them twice asking them to please return my {$1200.00} no reply by him/her the XXXXzelle told me that they will return my money back on XXXX XXXX but they never did. 
so I called XXXXzelle customer service XXXX XX/XX/2021 and they told me, they have mail me a letter with a deny result and that I have no right for claiming my money So in XXXX/ZELLE their law it is ok for a stranger to still my money because the banks are giving them permission for strangers to keep others customers money, with no punishment, which means I am the criminal here for making a human mistake, my punishment is losing my {$1200.00} I would like your help, I need to find the identity of this individual so I can report him/her to the police department please, I am XXXX XXXX XXXX and retire I must recover this money the bank XXXX told me they very sorry they can not help me, I asked them information about the individual that they allow to keep my money and they also denied me to report this person that stole my money, they told me " we sorry we need to protect the customer identity for secure purpose " So who protect me? 

XXXX never mail me the denied letter I need to know why they lie, I called them asking them about my mail letter they did not want to mail me another one I think they are hidden something maybe ZELLE is stilling my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: NE
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:
Company is fraudulently reporting a debt that dose not belong to me. This company is in numerous of violations of my consumer rights. I've attached my affidavit below in this complaint listing all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX, violated my rights. I have never done business with XXXX XXXX. XXXX XXXX illegally reported invalidated information to my TransUnion report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.

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 2023-05-08
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used Coinbase to transfer money to a demonstratively scam site utilizing what looked like the Coinbase logo among others on the front page. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BARCLAYS BANK DELAWARE
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to COVID closures I was furloughed and my boyfriend was laid off for a month and we are still not full time. I had to pay rent and other priority bills at that time and prior to missing a payment I had made multiple attempts to reach out to the credit card company to make arrangements where I was complaint and in good standing. So that a hit would not be applied to my credit. Im currently making double payments since the missed month and I would like the credit company to reconsider their recording of a missed payment since they were non responsive and didnt allow me the opportunity to be up to date with my account. 

XXXX has made no attempt to respond to my calls or my letter than I had sent in XXXX. When I call I keep getting a recording and no one will answer. How can I be a compliant card holder with a company that is non responsive. 

Requesting to remove missed payment from credit agencies.

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