BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Ive submitted numerous disputes and the credit bureaus haven't sent me any correspondences at all regarding them.

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 2020-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are two collection accounts on my credit report and I know they are too old to be on my report.

The first one is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The second is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this many times and they never send any documentation showing when/if I was son

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account has been disputed back in 2022 and this account DOES NOT BELONG TO ME NOR AM I RESPONSIBLE FOR THIS ACCOUNT. The bureaus nor the creditor was able to prove to me that I was the owner and by law that Is illegal and everything has to be removed per 15 usc 1681b! I am so disappointed with the companies and I do not want to have to take legal action. I am giving you all 1 more chance to make the situation better and finally FIX THE ISSUE BY REMOVING THE FRAUD ACCOUNT THAT DOES NOT BELONG TO ME FROM CAPITAL ONE AUTO FINANCE.

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 2021-10-19
Company: Resurgent Capital Services L.P.
State: MD
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:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. The credit reporting agencies continues toviolate my my rights according to 15 USC 1692. Any bad debt furnished on your reports are ruining my reputation and its defamation of character.

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 2023-09-28
Company: NCB Management Services Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This collection company keeps harassing me over a debt I am NOT liable for. I have asked this company to provide me with the following : Original signed copy of the contract, showing date account opened, authorized payment agreement, and XXXX disclosure. 

They HAVE NOT provided me this information. 

15 USC 1692, NCB Management Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have a right to privacy 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Omega RMS, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter on XX/XX/XXXX from a debt collector dated XX/XX/XXXX for medical credit I did not sign up for. I requested validation when I was looking over my recent credit report. The letter also contains the statement they are resuming credit reporting. 
The original creditor XXXX XXXX XXXX never informed me prior to forwarding/selling the alleged debt to OMEGA RMS , LLC XXXX XXXX XXXX XXXX, MO XXXX XXXX debt collections agency. There was a charged interest amount totaling {$640.00} on top of the alleged debt of {$800.00} while the debt collection agency was in possession of said alleged debt. OMEGA RMS has not contacted me until I requested validation of the said alleged debt. Upon receipt of this letter it shows a debt origination date with the original creditor of XX/XX/XXXX with the first payment being auto-drafted from my checking account on XX/XX/XXXX. The signature the document bears is not my signature. I do not know how the original creditor obtained my checking account information and can charge me for credit I did not sign up for. I also looked up my states statute of limitations on medical debt ( 6 years ) and credit debt ( 3 years ) with that being said this alleged debt is not mine as well as beyond Delaware statute of limitations as it is over 7 years old. This alleged debt or publication of alleged late payments was not listed on my credit report the year I purchased my home 3 years after the origination of the application not bearing my signature but signed by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}.

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 non-monetary relief
Consumer complaint received 2020-07-14
Company: AmWest Funding Corp.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX  impacted heavily by Covid-19. I initially reached out to Amwest in XXXX, informing them of my listings and sales being cancelled and I would need a deferall. They weren't very cooperative until I filed a complaint, then agreed to move the two months payments to the end of the loan and slightly increase my payments and remove late fees. I have attached the statement where they continue to charge me a late fee. I contacted the XXXX  department again in early XXXX, letting them know that we are rolling back again due to covid, and i did manage to pay my property tax and insurance but need help with my XXXX mortgage and now XXXX. I didn't get any response, I emailed again, with no response. Their website states they help and will continue to help for covid impact, i attached a screen shot, but no response. I finally called XXXX XXXX at XXXX, he said he would get investor approval and let me know, never heard from him, i emailed again, and again, he finally responded and said he is waiting on the investor. This is very hard on our family to keep reaching out and get no help and response like all other regulated banks are helping my neighbors. I am asking for help and doing my part communicating and staying pro-active. please help, and also the unecessary late fees should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my fami

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 2020-04-16
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that XXXX XXXX has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX County Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what XXXX  is doing is unlawful. I need some help in determining what they have done was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This past XX/XX/2022, my personal bank account with PNC XXXX XXXX group was hacked online. During the time my account was hacked, I was not able to communicate with PNC bank and neither was PNC bank able to communicate with me. I did not receive any alerts or notifications during the online hack, after 60 days of internal fraud investigation with PNC bank and a police report with XXXX Fl police. PNC bank is now sending me letters notifying me that I owe PNC bank {$9300.00} and that I should receive more notification letters with more amount that I owe them. 
I had in my bank account {$3700.00} that was to pay bills, I never received my money after the investigation and I was not able to pay my bills on time due to. I am trying to take PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX to small claim court. For I am not responsible to pay back PNC money that was stolen out of my control. I banked with PNC for 9 years and never had a problem. The first time my account ever got online hacked and instead of PNC bank helping me, they confiscated the money I originally had in my bank account before the online hacking. I need help with getting my money back and not having to be responsible for paying PNC bank money that was not my fault taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: I.C. System, Inc.
State: GA
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:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2020-01-24
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a debit transaction attempted to clear my account. It was not an ACH or A Check but a debit transaction. This transaction was denied and I was charge a {$32.00} fee by XXXX. This merchant attempted to charge my card again on XX/XX/2020 and again XXXX charged be {$32.00} for this attempted debit transaction. I made it very clear to the XXXX customer service rep that I don't have overdraft coverage and I opted out of this coverage with one of their customer service representatives by phone to mitigate fees like this. It outrageous to assume that banks would try to charge someone a fee for an attempted debit transaction. This is just greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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: Information belongs to someone else

Complaint:
INACCURATE INFORMATION SHOWING UP ON CREDIT REPORT TAKING MORE THAN 30 DAYS

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 2020-07-14
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 I have been denied by Equifax office of consumer affairs the right to gain access to my credit file. I called Equifax to have my credit report made available. Upon reaching the office of consumer affairs I spoke to Mrs. XXXX who was very rude and condescending from the start of the call. I was simply indicating that I needed my file made available so I can work to purchase a home which requires a tri merge report. She denied my request and hung up in my face. 

This isn't my first time speaking to her or the office of consumer affairs. Every time I've called Im dealt with very poorly and felt very discriminated by this office. They continue to single me out and mistreat me. As a result of Equifax 's discrimination of me has caused XXXX XXXX and XXXX  and has cost me and my family financially by the negligent actions of Equifax. 

I've been apart of data breaches by Equifax and have had my information compromised as a result of Equifax 's data breeches. I've asked for a manger call back since XXXX of 2020 and haven't received one single call from a manager of Office of Consumer affairs. At this point if Equifax doesn't clear this matter up in a very timely manner I will have zero choice but to sue Equifax in federal for XXXX XXXX   and harassment and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
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:
I contacted Equifax and try open up a dispute on few accounts that are not mines and I marked them as fraud and send in some documents to them few times for three frauldent accounts which are XXXX XXXX   AND ANOTHER XXXX XXXX AND LASTLY XXXX XXXX XXXX XXXX XXXX ... XXXX I didn't apply for these accounts and Equifax keep disconnecting my phone calls each time I call and I have to call again and be on hold between 20-45 mins each time and this is getting frustrating and I don't have no patience at all and I have things to do with my life ... XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out several times disputing this late payment that is reporting for the month XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: TN
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 AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
For several months credit card companies have not updated their information to XXXX XXXX XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct

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 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
There are XXXX names on my credit report. My name and ss and my twin name is ss. XXXX XXXX XXXX XXXXXXXX and XXXX I didn't apply for anything from these companies. 
Also my address is wrong I never lived in XXXX, XXXX nor 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