BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is NOT my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

ACCT # XXXX BALANCE -- {$1200.00} PLEASE SEE ATTACHED MY IDENTITY THEFT REPORT WITH ALL DOCUMENTS CONTAINING THESE FRAUDULENT ACCOUNTS .... PLEASE REMOVE I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a phone from XXXX XXXX XXXX  on XX/XX/2018 for {$730.00}. On XX/XX/XXXX the phone quit working and was blacklisted as it was reported lost or stolen. The phone i bought was brand new and I'm supposed to be the only owner and I didn't report it lost or stolen. XXXX XXXX XXXX wouldn't do anything to help me. I filed a police report at my local police department. The police report id is XXXX. I paid a lot of money for this phone and i can't use it. XXXX XXXX XXXX  either lied about item being new or has reported it for insurance claim or something. Went to huntington bank as soon as i could to dispute the charge and they denied my dispute due to age of item disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely from my Credit File : 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 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 2021-12-15
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over a month ago, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

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 2023-04-25
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
on XX/XX/XXXX I purchased a flight with Frontier in the amount of XXXX. 
On XX/XX/XXXX I went back on Frontier too book a ticket for my cousin when i realized the price was significantly cheaper. I went through the prompts of cancelling my ticket and I believed to understand is that I was going to be refunded {$700.00}, however once speaking to a rep they informed me that I was going to be charged XXXX $ as a cancellation instead. I ended up having to rebuy the same flight tickets so i essentially was charged 2x for the same tickets. The representative refused to do anything to help me or let me speak to a supervisor although i reached out immediately after this was done. I saved for two years for this vacation and I can not afford to pay double the price for these tickets over a mistake that was made. I'am looking to be refunded for the XXXX from the 1st charge on my credit card for tickets that I do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am experiencing difficulty paying my mortgage as part of my loss of employment during COVID Pandemic. I have a FHA mortgage and this is my first home. I have been overwhelmed by phone calls, text msgs, notes in my mailbox as well as a person coming on to my property to take pictures. I feel harassed by people who want to purchase my home and who know I am having mortgage challenges. 

I have reason to believe that my mortgage banker M and T Bank representatives are sharing my private information with people who want to exploit and take advantage of my mortgage problem. All these attempts are to buy my home. This information is not public. There is no other way for these people to know without this information given to them from my bank. 

I am being harassed. Please help.

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 2023-07-14
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:
Transunion credit report reflect unknown charges with an unknown company that resulted in a significant negative impact on my FICO score lowering it from XXXX to XXXX. According to the report, a company named XXXX XXXX XXXX ( XXXX ) listed a " lease '' opened XX/XX/2023 with an original amount of {$4000.00}, {$1200.00} payment, with XXXX days current in arrears. 

On XX/XX/2023 I connected with Transunion to dispute the recording who disclosed to me that they could not share the XXXX account number with me and that I should call the merchant directly. On XX/XX/XXXX, I connected with XXXX who refused to look up the aforementioned data to determine legitimacy or correcting ownership unless I shared my social security number with them. I informed them that the account did not belong to me and that I refuse to share personal information surrounding a fraudulent account or transaction. Either the matter was obtained in error or the debt was obtained through identity theft. My identity must have been compromised. 

The numbers I called in an attempt to resolve this matter are : Transunion 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm calling to report a company called Cordoza & Wexler - approximately six months ago I was harassed by this company for a debt I do not owe and I don't even know what they're talking about something to do with a payday loan and I've had a few in my lifetime and they were all paid back - the case number before was XXXX - the last time they called me they said I owed {$900.00} - now they're saying I owe {$700.00} - the person I talked to today was XXXX XXXX and I told him to stop calling this number and they had contacted me before and he blatantly lied and said we have never contacted you and then he backpedaled and said oh I see we did call you before - and you need to clear this debt - I told him no one has tried to serve me any documentation - and he said how do you know and I told him I'm home all day no one is coming to my door and that I had asked them to provide me with proof that I owe this debt before and I have never received anything so please stop calling and harassing me - I told him once again to provide documentation and all he did was talk over me - these are definitely scam artists and I just want these people to go away and what irritates me is he has my social security number. I don't know who these people are but they are horrible - I have blocked them and they keep calling so I called today to find out who they were. The last time that I reported this apparently you tried to contact them and they did not get back to you and the case was closed. I am beyond irritated with this group. The phone number that was on my caller ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Various details ( account status, date opened, payment status, date of last payment ) about this closed Fed Loan Services account are inaccurate. They are reporting late payments also incorrect to the credit bureaus. These late payments have different amounts of days late across the credit bureaus as well as the open date on the accounts are incorrect. I challenged this information through XXXX, XXXX, and XXXX  and nothing was changed. I would like payment status to be update to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today on XX/XX/2023 I received a notice from my bank USAA on my debit card fraud claim that they will not be refunding an UNAUTHORIZED, Ach withdrawl that took place on my checking account. 

On the letter USAA submitted to me, it was stated that " We received a copy of your authorization for this debit transaction ''. 

When I called USAA at XXXX XXXX to request the paperwork of the documents used to deny my claim, XXXX different REPRESENTATIVES from USAA hung up on me. 

This is the not the XXXX transaction in the past year USAA has allowed someone to take from me and not provide me with the resources/documents used to deny the accreditation. 

I switched from my former bank to USAA because I kept having my identity stolen and checking/credit cards used without my permission. 

When I first started with USAA I had no problems, but since the pandemic I have had much difficulty trying to get my stolen money refunded by them. 

I, XXXX XXXX XXXX, DID NOT AUTHORIZE THESE TRANSACTION LISTED BELOW AND NEED USAA TO ACT/CREDIT THEM NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unauthorized and duplicate inquiries that does not belong to me. Also, I have no accounts with these inquiries made.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX   XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX  XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a XXXX # therefore, I can not get it online. All three bureau continue saying it will take 7 business days for credit report to arrive in the mail. It's been a few months and nothing has come in from TranUnion and XXXX. I did get credit report from XXXX. I submitted copy of XXXX # along with XXXX XXXX XXXX and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. TransUnion stated over the phone that my credit report comes up on their system under a social security # and the number that TransUnion has is not my XXXX # ( I do not have a social ) and that I need to send in documents proving that information transUnion is reporting is inaccurate. COPY of XXXX # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/ I would like to get an updated report from XXXX too.

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 2021-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian and XXXX credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information 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 explanation
Consumer complaint received 2023-02-24
Company: RIA FINANCIAL
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I attempted to make a money transfer to my son to be husband in the country of XXXX and it was denied and said that my account was blocked and they have no way of unblocking it. I asked for a reason and why y account was blocked and they said the decision was final and they can not unblock it. They would not tell me the reason and I feel that I should be able to know the reason why they are denying me service. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation