BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX CRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2020-07-31
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage to pay off my ex wife for the condo we bought together at the end of XXXX and was dragged along until XXXX saying I was approved. I was charged over {$1000.00} in fees and then finally emailed I was declined because my condo hoa didnt pass final review.They were unprofessional and told me the fees can not be refunded. I feel extorted.

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 2022-07-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a XXXXXXXX XXXX credit card during the pandemic lost my job moved around from XXXX job to other thats when I lost track of some of my credit account. Recently I got sued by XXXX XXXX XXXX XXXX XXXX XXXX for {$8000.00} they are claiming I owe them. I have. No recollection owing them or midland credit. I would like you to help me find out where this came from and how I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 called up Bank of America and asked how to minimize my interest payments. I asked if I should pay off my statement balance or my total balance. They told me that I should pay off my statement balance. I asked them to clarify and they told me again to pay off my statement balance. 

Then the next month I was charged a lot of interest and when I called them about it they told me there was nothing they could do to waive it. I closed my account because they were decietful.

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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2018-10-30
Company: Atlanticus Services Corporation
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:
On XX/XX/2018 I applied for a XXXX  account to finance furniture from XXXX XXXX. On the XX/XX/2018 I contact XXXX  and let them know I cancelled the order from XXXX XXXX because XXXX XXXX ordered my furniture incorrectly. XXXX  agreed to waive the {$49.00} annual fee since I never received the product from XXXX XXXX, 30 days went by and I received notification from Fortiva indicating I was past due {$76.00} which is $ XXXX+ a late fee. I talked to them on XX/XX/2018 and I was told to call back in 7 days so a manager could review my account, I spefically asked if it would be reported past due and ahe said no. The account is now showing closed with a balance and past due. I would like this corrected to either closed at {$0.00} balance or deleted completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I looked at my credit report and seen multiple charges on there from various collection agencies. Upon further investigation I was informed that FCRA rights state that we the people are to give written consent for collections to be added to your report to give individuals an opportunity to dispute before anything is added to your credit report. I did not receive any paperwork nor did I give my written consent. I was not given the opportunity to dispute these collections before they were added. I have not determined if these charges are even valid however if any of them are it would also be a hippa violation as well.

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 2022-11-20
Company: EQUIFAX, INC.
State: SC
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 file a dispute several time with XXXX about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. XXXX has been notified and still refuses to remove this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX  XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago

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 2020-09-11
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2023-05-14
Company: V and H Portfolio
State: AL
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 explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ( opened ) XX/XX/XXXX {$75.00} Filed disputes with XXXX credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW XXXX XXXX ( opened ) XX/XX/XXXX {$150.00} Filed disputes with XXXX  credit agency.  Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. 
DEBT IS A VIOLATION OF HIPPA LAW Debt Recovery Solutions ( opened ) XX/XX/XXXX {$59.00} Filed disputes with XXXX credit agency. Debt has not been correctly verified or validated. Debt is not mine as I have been covered by state insurance for the past 4 years. Debt could be a result of identity theft. A police report has been filed. DEBT IS A VIOLATION OF HIPPA LAW Incorrect social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received multiple calls from a XXXX XXXX which I was unable to answer. At the same time I received a text from XXXX XXXX XXXX XXXXXXXX claiming to be the fraud alert from my bank saying there was an unauthorized purchase of over {$1000.00}. I responded " no '' to the text. Then I was called from XXXX XXXX XXXX XXXXXXXX. The ID said it was my bank. Did not give sensitive info, I had disconnected. Called my bank and they said there was never any charges and they never made any contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: WELLS FARGO & COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Knew of the debt and had agreed to have the company take the funds from my bank account via ACH withdrawn. Since no communication/contact, either in writing or phone number had been received it was assumed that the debt had been paid for and cleared. Till I pulled my report today XX/XX/2020 and saw a 'WF/XXXX XXXX   ' Charge off as of XX/XX/2020. 

I do not feel like my rights as a consumer has been upheld through the FDCPA as there has been at bare minimum no written notices for the 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-28
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I DEMAND RELIEF AND REMEDY! I WANT THIS OFF MY CREDIT REPORT AND RELIEF MONEY AS WELL AS THIS COMPANY TO BE HELD ACCOUNTABLE FOR IMPROPERLY NOTIFYING OF SUEING ME. ILLEGALLY PURCHASING DEBT ASKING FOR INCREASED FUNDS THAT INCCURED INTEREST. NOT HAVING ANYTHING SIGNED FROM ME IN THEIR DATABASE. MULTIPLE FALSE ACCOUNTS CONTAINING MY INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 2023-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was approved for & received a Capital One mastercard only as a ruse to harass me for a previous bill I never incurred. After I closed this card, XXXX XXXX, the collection agency assigned to that bill called, throwing my personal data in my face that Capital One gave them. This is fraud & data mishandling of the highest order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
XXXX XXXX holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling XXXX XXXX and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.

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 2020-10-19
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This issue has been ongoing since XX/XX/2020 With U.S. Bank. ( there is no US Bank in my state and the two ATMs in my town, don't take deposits. ) I will just skip to the issue : I am trying to mobile deposit a larger amount than normal. ( but my balance is lower than normal as well ) I keep calling and trying to get that changed even if for the one time since I now know that limit and they keep sending me denial letters stating that " Your previous deposit history does not indicate you would need increased limits ''. 

I had no idea that there was indeed a limit to deposit not to exceed {$3000.00} ( {$6000.00} a week ) I can not cut a check in half. 

My balance is now dangerously low, like hopefully make it through this month low. 
I have told them to look at my balance, I need to deposit this immediately but that doesn't seem to make a difference. 

They are going to force me to get another bank and have to change all my automatic deposits and withdrawals.I move around a bit and was trying to establish a relationship with a bank we liked. All because they don't want to take my money. 
I have too much going on in my life right now to be dealing with all this and/or going to a new bank and transferring everything.

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