BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received repeated phone calls and letters attempting to collect debt. Agent XXXX XXXX contacted me in XXXX and at that time I requested further communication via regular mail and to confirm the original creditor. Agent became belligerent regarding his prior attempts to collect the debt and also proceeded to collect by offering a settlement prior to confirmation of debt and original creditor. I sent a letter to agent certified with return receipt requesting confirmation of original credit and debt in XXXX. I have yet to receive any written confirmation from agent as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Some company named LVNV ( Theyre not even on my credit report ) filed a Lawsuit against me in XXXX of this year with a Lawfirm in Michigan, I live in Ohio. Someone apparently signed my name with COV19 ( I would never sign my name in that manner ) to make the lawsuit legitimate. I only found out about the lawsuit because bankruptcy Attorneys began sending me letters informing me that I was being sued. I never received a complaint. I have no business with this company nor Lawfirm or Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: PA
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:
In XXXX, XXXX, XX/XX/XXXX and most recently in XX/XX/2021 I sent dispute letters to the credit reportimg agencies about fraudlent inquiries. It should also be noted I sent an addidtional letter on XX/XX/2021. I have requested investigations into the matter and I requested that they send me a full description of the procedures used in the investigation and to be sent proof of my consent for my file to acessed in my recent letter. 

Its been almost 6 months and I still have not been notified or see any updates or changes to my credit report. NONE. Not one single acknowlegment OR ANY CHANGES OR REMOVED INQUIRIES!!! 
I send the letters certified so I know they are recieving them but I am being ignored AND WHEN I CALLED RECENTYLY THE REPS WERE NOT HELPFUL!

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 2021-06-02
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, as far as I understand it is possible to help us with an unpleasant situation we are currently facing, 3 months ago my wife and I created 2 accounts at TransferWise ( Wise ), the accounts were verified with documents everything was fine until a certain point, we have an online store that generates the family income and we used the Wise account for transfers, Wise decided to close our accounts and our money stuck there, about XXXX euros, they tell us that the money back process takes 60 working days, but we can't wait that long and we consider this illegal. Can you advise or help us in this situation? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.

# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00} XX/XX/2020# 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.

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 2018-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When l checked my XXXX  and XXXX Reports, l noticed that on XX/XX/2017 an unknown inquiry was made by CAPITAL ONE which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: GREAT LAKES
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again.XX/XX/XXXX, I signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized 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 explanation
Consumer complaint received 2018-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery/Portfolio Recovery Associates Inc has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My mortgage at ditech/green tree services was sold to shellpoint financial, when sold ditech was reporting me delinquent. Shellpoint then transferred that delinquency to two of my credit reporting agencies, XXXX  and XXXX  only. Ditech/green tree was reporting incorrectly, they are now bankrupt and no longer in business. I have filed a dispute with all three credit bureaus on ditech and it was removed however shellpoint is still reporting the delinquency. I attempted to pay ditech at which time they told me to pay the new company ( shellpoint ), I called shellpoint for two months at which time they advised that I was not onborded yet and they would let me know when so I can make the payment. Once I was on boarded I was able to make my payments. At which time I made all payments and have proof of all payments. I am not sure why they are reporting me delinquent, I have proof of all payments and it clearly states that I am up to date on them. This was being reported in early 2020, I believe the delinquency was reported for XXXX and XXXX. Technically I have 90 days to transition to a new lender, and secondly, this was in the middle of Covid, I believe this is wrongly reported. I have made multiple attempts to work with Shellpoint, I do not get any returned phone calls, they do not reply to my emails, and they are non responsive to me. Unfortunately I have spent so much time trying to be patient and work with them to no avail, I have a clear history of on time payments and more than the minimum paid. This is an error on their part and not communicating is making the situation even worse. It is impacting my ability to get a new home, at which time I can only pray it is not going to be serviced by Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 I have contacted XXXX, XXXX, and Experian to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX  my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission 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 2021-06-02
Company: AmeriCollect
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my 3 credit reports and noticed AmeriCollect were reporting that i owe two separate debts for {$750.00} and {$710.00}, when i was made aware on this collection was reporting in my credit file i sent 3 letters requesting information about this debt the first was sent on XX/XX/2021 and they never replied back, the second was sent on XX/XX/2021 and they never replied back. 

i never signed any contracts, agreements or documents with AmeriCollect or anyone they are collecting for, i never provided Americollect with my personal information which includes my social security number, address, phone number, dob, name. 

i never gave permission for Americollect to access my private medical history or very private medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On or about XX/XX/2018 l file a claim against XXXX .the claim was awarded to me in XX/XX/2018 after that bank of America kept sending me letter telling me they paid me twice and just about every week they would take money out of my account I complain to anyone and everyone associated with bank of America to no avail they also said that my wife also file the same claim for XXXX dollars which was never received around the XXXX of XXXX my account was negative XXXX dollars I tried to close my account and negativity happened again with the two claims combine it came out to XXXX l do not owe

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 2018-05-08
Company: U.S. BANCORP
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:
XX/XX/2018 huge concern regarding the possibility that per FCRA, permissible purpose provisions were not followed.

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 2021-06-02
Company: BARCLAYS BANK DELAWARE
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a complaint previously with CFPB under this reference number : XXXX. You did not allow me to rebut the response from Barclay 's. So I'm attaching more information to prove my side of the story. Barclay 's responded that the Merchant says I ordered a Bed Pillow. I did not order a Bed Pillow. I ordered a Nail Finisher. But received a package of disposable masks ( in reference number XXXX, I provided a photograph of the masks ). I'm attaching a copy of the email Order Details/Receipt sent to me from the Merchant dated XX/XX/2020 which PROVES that I purchased a Nail Finisher from this Merchant. Not a Bed Pillow. And not disposable masks. I am asking once again that you ask the Merchant to provide you with the Receipt for my order number XXXX, and you will see the same as my attached receipt. I want my {$76.00} to be refunded to me.

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 2021-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sent certified mail to all three bureau on XX/XX/2021. Only bureau to respond was Equifax and they stated the could find no record of me. I have personally pulled all three of my credit bureau so not sure how this could be. I have proof of certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the bureau by phone, online and by mail I have notified them that this Bankruptcy showing on my file isnt mines. I have contacted the courts as well and have been notified that the bureau hasnt contacted them to verify any information. However the bureau is insisting that they have investigated such matter and will not provide me with who they are investigating with or verifying through. 
I also have been told by the bureau that they are not directly investigating themselves which how can they report inaccurate information that they are not even verifying I would like the bureau to investigate directly and provide me with the party who they are directly verifying to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CITIBANK, N.A.
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:
When l checked my XXXX  Credit Report, l noticed that on XX/XX/2017 an unknown hard inquiry was made by CBNA which l have no idea about it at all.

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 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BANK OF AMERICA on XX/XX/2016 which l have no idea about it at all.

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 2018-05-08
Company: AMERICAN EXPRESS COMPANY
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by AMEX on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CCS Financial Services, Inc.
State: IN
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:
Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX  did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Citi Bank never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from Citi Bank all ways the run around some one going to call back. I call Citi Bank over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from Citi Bank and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by Citi bank

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE XXXX PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.

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 2020-08-21
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX, XXXXCOLLECTIONSERVICES Original creditor. this company just show up on my credit report i called them several times however they still not removing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation