BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: ATG Credit, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first learned of this debt when I saw the debt on my credit report. I filed a previous complaint with CFPB on the basis that I had never been notified of the debt before it was reported to the credit bureaus and I still had not received notification of it at the time of filing the complaint. ATG claimed they sent me notification, but provided an incorrect mailing address and would never verify what phone number they claimed to have been calling. That complaint was closed without any resolution. 

Subsequently, on XX/XX/2019 ( 5 months after reporting the debt to the credit bureaus ), I  received the first notification of the debt with an accounting and a copy of the " contract '' with XXXX XXXX   XXXX that purportedly provided the basis for the alleged debts. The " contract '' consisted of a merchant application and a terms and conditions document. The " contract '' is invalid and unenforceable and does not provide a means for collecting these alleged debts. 

I completed the merchant application, but immediately above my signature there was a box to check indicating that I received the terms and conditions document. I specifically did not check this box because I was never provided with the terms and conditions document ( I was only given the merchant application ). I was never thereafter provided with the terms and conditions ( not that providing them after the fact of signing would be valid anyways ) and the first time I saw this document was when ATG sent it to me on XX/XX/2019. I am attaching the email I received with the merchant application so you can see that I was not provided with the terms and conditions and the completed application I returned to them. 

I never agreed to be in a contractual relationship with Integrity. A valid contract requires offer and acceptance of the terms of the contract. As I was never provides with the terms, there was no acceptance of the terms and, hence, no contract was formed. If somebody were to claim that by my signing the merchant application, I unwittingly entered a contract, such contract would be void as unconscionable due to the unfair surprise of attempting to bind me to contractual terms that were not provided at the time of contract formation. 

There is no valid contractual basis under which Integrity/ATG can seek to collect these debts that are allegedly owed. My personal credit and reputation are being damaged by these illegal attempts to collect this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Along with a plethora of fraudulent credit inquiries.

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 2020-06-24
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

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 2021-05-10
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi My Name is XXXX l tried open a account with binance. All paper work its been ready. They put on pending list more than 2 or 3 months please can you guys guy help thank you My Binance account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: MS
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:
Equifax INC put a collection on my credit file. I contacted the company, XXXX XXXX XXXX over the account. The XXXX states that on XX/XX/XXXX they sent a request for the information to be deleted off my credit file. Its been two months and the account still remains on my credit file. The account is a collection account. After making a complaint on this company that I do not owe and have no contract with Equifax still has the account showing on my credit file! Equifax needs to delete this account off my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Sequium Asset Solutions, LLC
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:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Sequium Asset Solutions. Along with a plethora of fraudulent credit inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All of a sudden in 2017 I saw a collection on my credit report from a company called Portfolio Recovery. I had no idea who they were or why as I had entered into a debt collection program ( XXXX XXXX XXXX ) that was taking care of my debts and the amount stated was not an amount I owed. I had XXXX and had to put bills on my credit card which then got to overwhelming. They claimed they sent me paperwork ( which I had never received ). I was also getting calls at all times of day and night but when I picked up noone was there, they called from different States with different numbers. I disputed the entry on my credit report numerous times ( it now states resolved, customer disagrees ). I asked them to verify the debt ( which they claim they got from US Bank, however the amount they are asking for is not in accordance with the amount owed ). And I never received sufficient paperwork according to the law to verify the debt. I also received threats I was breaking the law. 
As I never got the verification I never agreed to anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Mr. Cooper Group Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Dear Consumer Financial Protection Bureau Had sold my house in XX/XX/2018, than few months later I received a check from my Mortgage company, ( Pacific Union Financial ) Balance of over payment of Taxes, Than I was out of the country on XXXX work and the check was placed in a drawer and 1 year was gone on this check, so my local bank said I need to just get the check re issued, so I tried contacting Pacific Union to get my Check ( money ) reissued to me, but I find out the Pacific union was bought out from MR COOPER, so I called them and they told Me no problem Mr. XXXX XXXX the check will be re issued, so 2 months go buy and still no check .. and today I called back the newly owned Company MR COOPER and they inform me that the money wont be re Issued because of a bankruptcy I had many years ago? and I said the house never was part of my bankruptcy and had nothing to do with this already issued check, and so I called my Attorney and was informed to Contact this agency. XXXX XXXX XXXX out of XXXX Wisconsin, I was informed even if it was anything to do with a bankruptcy it would get returned to the trustee. 

this Check ( XXXX dollors ) is My money Not Mr. Cooper, This is A check that already is a issued check from Pacific Union Financial Bank, closing statement on my personal residence house. the check is just now over 1 year old I was gone on XXXX work and went unnoticed. I asking for the Bank MR Cooper who purchased Pacific Union to RE - Issue this check, if not issued in a timely manor to pay me my added expense 's for my time and inconveniences to the law .. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX Make Check Payable to XXXX XXXX XXXX {$120.00} dollors -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Pacific Union Financial original loan holder now is MR COOPER XXXX XXXX XXXX XXXX, TX XXXX - XXXX Mr. cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Mr. cooper complaint address att. customer relations XXXX XXXX XXXX XXXX tx. XXXX Mr. Cooper phone - XXXX If you need any more information you can please e-mail my personal e mail - XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Santander Consumer USA Holdings Inc.
State: OH
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 credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I suspect fraudulent inquiries on my credit report that I didn't authorize. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE FRAUD ALERT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt to XXXX XXXX XXXX was sent to a 3rd party collection company in XXXX. My balance once sent to collections was a little over {$1800.00}. I made payments of {$75.00} directly to XXXX & XXXX on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I returned the rental instrument ( sax ) on XXXX/XXXX/XXXX to the XXXX & XXXX store, which should have credited at least another {$800.00}. I then made additional payments directly to the 3rd party collection agency ( Transworld Systems ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$75.00} each time. I have spoken with XXXX & XXXX and they told me that I need to speak to Transworld Systems and that there was nothing that they could do. They confirmed that any payments that they received from me were sent directly to Transworld. I called Transworld Systems and they had no knowledge of any payments made to XXXX XXXX XXXX, or of the instrument being returned. They told me that they would look into it and update my balance. I disputed my credit report twice and the balance still shows the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a Florida Unemployment Debit Card where funds were deposited during my XXXX   period which ended on XX/XX/XXXX. I have a balance of over {$3000.00}. on the account. The company managing the card is www.eppicard.com. 
The card is good through XX/XX/XXXX. It has not expired. 

As of XX/XX/XXXX I am no longer able to use the card for ATM withdrawal, food purchases at XXXX, or any purchases online. I can no longer access my card balance and information online. I receive an error code telling me there is a Fraud Alert on the card. The company cant fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent specific documentation and requests to this company, 'XXXX XXXX '. They closed the account as a result of them failing to provide any contracts or documents bearing my signature proving that the account belonged to me. According to the FCRA Section 623, this account must be permanently deleted from my credit report immediately. It is your responsibility to send a deletion request to the bureau 's. Failing to delete this account would put you in violation and I may pursue legal action. XXXX agreed to cease all collection activity because the account wasn't mine and neglected to delete the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is about XXXX XXXX located in XXXX, IL. 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call XXXX XXXX at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX  XXXX nor this XXXX XXXX. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card. 
Listed as factoring company on one report and collections on another.

This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX  XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my account at one of your branch in XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). As this account is secondary, my primary goal was to avoid monthly fees if possible. The branch initially tried to set me up with a student account but discovered I did not meet the age requirement. I was then suggested to have a different type of account instead which requires {$1500.00} minimum daily balance to avoid the fees. I chose that account and made deposit within the timeframe instructed by the associate who helped me open that account. 

Today I surprisingly found out I've been charged monthly for a fee of {$4.00}, I went to the branch but wasn't able to find the associate who helped me. They acknowledge this could be an error while setting up the account but they were not able to help me correct the fees. I called the 1-800 number but they couldn't help more than 2 fees either. Therefore I am writing to you and would really appreciate if you can help reverse the fees that were charged due to the error. 
Thank you very much for your time!

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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a credit card with Capital One that accumulated {$2900.00} in cash back rewards. For no reason, the account was closed and have been denied the earned cash back rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to get a Job XXXX XXXX XXXX which turns out that my application was denied due to XXXX XXXX XXXX reporting innacurate background check information, I called them and explained the situation which they told me that i had to get in touch with XXXX which I did and XXXX told me to get in contact with XXXX XXXX XXXX the company that provide my incorrect background check which states that i have felonies/misdemeanors in the state of Texas, XXXX XXXX Ca, and South Carolina but I was born in XXXX Ca and raised in XXXX XXXX and never lived in Texas or South Carolina or XXXX XXXX. No one seems to be able to help me out with this situation and this is causing a hardship on myself amd family because I can not pass a background check and get a job due to all these innacurate findings on my record. I feel like identity theft is the reason why and someone is using my identity to commit crimes in other cities/states. Any help helps. 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 explanation