BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Profit Recovery flagged my account as collection on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Amount XXXX THIS NOT MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We scheduled and paid for in for a trip to XXXX  XXXX And paid the Full amount of {$5600.00}. 
The trip was scheduled for XX/XX/2020, The trip was never taken and when we went to reschedule our trip we found out book it was out of business they took our money and services were never rendered. 
We sent a letter to the credit card company on XX/XX/2020 requesting a refund And Barclays Visa denied our dispute. 
Please help us rectify this situation and get our money back for a vacation that was never taken

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 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a dispute to Transunion stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/2023 I followed up with a dispute stating : I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Dispute resolved ; reported by grantor. XXXX deleted from my report on my dispute completed XX/XX/2023 but Transunion failed to perform an investigation and delete the disputed inaccurate information. 

In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A states : I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
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: Personal information incorrect

Complaint:
incorrect phone number reporting on my credit.

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 2020-12-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called XXXX, XXXX, and Experian multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XXXX XXXX, 2020 and I recently just called on XXXX XXXX, 2020. 

These are the three collection accounts : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$690.00}

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 2017-12-15
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2017 I was purchasing an airline ticket from XXXX XXXX and saw a promotional offer for the Mileage Plus Explorer card from Chase. The terms for this card included a {$50.00} statement credit, XXXX bonus miles, and a XXXX dollar intro annual fee for the first year. A couple months later I was looking up a charge for something else and noticed that I had been charged the annual fee for the first year that was supposed to be waived. I have contacted chase about this many times and gone through all the processes and they still refuse to credit me back for the {$95.00} dollar charge. I have never signed up for a card with an annual fee and would have never done anything like that. I also took a picture of the offer, as I have been taught to do, to document the offer I received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, Equifax falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, Equifax claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called LendingClub today to attempt to change my due as to avoid being internally late. The company agreed to change my due date but then proceeded to tell me that I would have to pay two payments for one mother because its their guidelines and if Im late 28 days or more they would report it to my credit report. This is against FCRA guidelines since they cant report until account is 31 days delinquent. Im aware lending club already violated FTC guidelines but I feel as though they are continuing to violate consumers FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Information belongs to someone else

Complaint:
There is an account, XXXX XXXX XXXX  XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX  Delaware that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX Delaware several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed 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 explanation
Consumer complaint received 2020-09-14
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I received a letter from Transworld System Inc about a medical bill stating they received a inquiry from me for debt validation. Unfortunately the company listed a medical account and they stated in the response letter while we have complied with federal law, factors beyond our control may prohibit us from confirming or denying the presence of inaccurate information within the timeframe prescribed by state law. We may not have sufficient time to complete an investigation of alleged inaccuracy.

The second account I have is from reliant energy which I also have no validation from the company from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
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've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo called my daughter at work today, she is a joint account holder. She works from XXXX to XXXX PST. I called the lady back and she refused to help me or talk to me. She wants to speak with my joint account holder exclusively. Also, she is very hard to understand, she does not speak XXXX very well over the phone. This is the dumbest response I have ever received. It is a joint account, so she should be able to speak to either account holder. I am not incompetent, I am just an elder person. I still have all my faculties, so there was no reason to NOT talk to me about our account. They are just trying to say they made contact when they have not. I have a case open with number XXXX. Just wanted to add to that complaint.

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 2019-07-22
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 contacted Transunion to help me dispute some hard inquiries that are reporting on my credit that were unauthorized and affecting my score. They told me that I need to reach out to the creditors myself which I have already done and am unable to get any assistance that way. I need for the following Inquiries which were not authorized to be deleted immediately of of my Transunion credit file. 
XXXX  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 Please have my credit file updated and these inquiries removed.

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 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened using my information with Truist Bank. I received a letter in the mail that was generated on XX/XX/2022 today ( XX/XX/2022 ). This letter indicates that the account that was set up in my name was overdrawn- {$41.00}. 

As of today, I have not contacted Truist Bank, so no action as been taken yet. However, I do plan on filing a police report and contacting the bank regarding this issue.

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 2022-08-10
Company: EQUIFAX, INC.
State: FL
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate informati

on showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Equifax Employers : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX {$7400.00} I have disputed this more than once ... it was settled ; yet Equifax will not remove ... 
Litigation may follow soon ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently discovered that Citibank, which my wife and I have been customers at for 45 years, has been charging me interest for a line of credit loan that I never applied for. They say it was done at a cash machine. I know nothing about this line of credit loan. My wife, who passed away recently, took care of our Citibank bank account, and never mentioned this to me. A loan does not make sense as we have {$50000.00} in two checking accounts. I have asked the manager ( XXXX XXXX ) and assistant manager of my local Citibank branch at XXXX XXXX and XXXX in XXXX numerous times over the past more than two months for information about this loan - when it began, what was the amount, and what was the rate of interest, as well as a complete historical record of payments, both principal and interest. They say they are working on it, but I have not yet received a reply. I dont understand why it would take so long to find this information that should be easily accessible in their computer records. When I asked for a copy of our statements, so that my accountant and I could speed up the process, they refused to do soas well as giving me the name and contact info for her superior. The last I heard she was going back to 2013, to give an idea of how long this may have been going on.

I would appreciate any help you could give me in obtaining this information and in getting a refund of all interest fees that I believe should not have been paid.

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 2018-04-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I mailed out a validation letter certified mail for the credit company XXXX XXXX to validate not verify info about this debt and the only thing they mailed me back was a bill. I specifically asked for a signed Aggrement and other supporting documents. They provided me with billing which doesnt provide that Im obligated to pay them anything. They have reported delinquent info that reporting to all 3 credit bureaus that Im asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: NJ
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 recently sent letters over 60 days ago to this bureau and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
My complaint is against the western union company, more than a year ago I have asked for the shipping history, which during the last five years I have done.This company has opened several cases, during which they ask me to fill out forms to send copies of my identification, which I have done repeatedly, after a few days they close the case, and then they open another arguing that the information is not complete, in the form they ask for my personal data, a copy of my identification and my address which I write on the form and it is also in the copy of my identificationSince 2020 I have sent the same form, without getting a response about my shipping history, I have a legal prosecution in my country with money that I sent for 5 years, which is why I need this history, the wester union company has ignored my petition, and it has made me waste time and money, I need your help to receive the information that I am requesting, I can not keep waiting and that wester union only opens and closes cases.

Company response to consumer: Closed with explanation