BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Referencing back to complaint XXXX on the date XXXX Referencing back to complaint XXXX on the date XXXX. 
This is an existing issue that still has not been resolved by MIDLAND FUNDING LLC. 
On XX/XX/2022 I, the consumer sent MIDLAND FUNDING a debt validation letter. On XXXX XXXX I, the consumer sent MIDLAND FUNDING LLC a cease in desist letter ; in response to your letter XX/XX/2022 you wrote that a cease and desist restriction only stops phone calls and mailings but in fact the law defines " communication '' when ceasing communication pursuant to 15 usc 1692c ( 2 ) " the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As I stated to you before my consumer report is in fact a medium so MIDLAND FUNDING LLC is breaking the law. On XX/XX/2022 I, the consumer sent MIDLAND FUNDING LLC an affidavit of truth via certified mail of all violations against me. On XX/XX/2022 I, the consumer sent a Fraud/aggravated identity theft letter to MIDLAND FUNDING LLC for not having my written consent nor permission to have my SSN which is aggravated identity theft in accordance with 18 U.S.C 1028A. As the original creditor I did not extend credit to MIDLAND FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.

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 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One Quicksilver credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than 400 % of those who hold the Capital One Quicksilver credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One Quicksilver credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One Quicksilver credit card it was on a larger than normal purchase of a few thousand dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful XXXX  with XXXX XXXXr XXXX and several XXXX XXXX. The whole point of getting this card was to be able to have access to a higher credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PLS GROUP, INC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a call on XXXX at 6:40 am I advised them it was before 8 am the caller got rude and hung up on me. They called again today at 7:30 I asked when the payday loan took place and also advised they were breaking the fcc rules. he would not tell me the name of the company and hung up on me. I called back and spoke to XXXX. I asked the name of the company he said it very quickly. I asked him to repeat it and he said I already told you and wanted to know the purpose of my call. He then proceeded to hang up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, has violated my rights. 

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.

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 2019-06-10
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, I received an alert on my credit report of a collection company, when I view my credit this company DIAZ & Associates have placed a payday collections in the amount of {$800.00} from some company named XXXX. Monday, XX/XX/XXXX I received a letter in my mail from DIAZ & Associates, acct # XXXX-XXXX, file # XXXX stating that I owe a payday loan to which I know I never did. So attempted to call this company at XXXX-XXXX-XXXX to ask information about this letter, the person transferred me to the manager XXXX. I asked him what was this and when was this acct generated. XXXX gave me the date of XX/XX/XXXX and I asked him did he have paper work with my signature, copy of my id, of how was this acct generated. XXXX told me he didn't have that information and could not give me the facts of how this acct was opened. But I told him that DIAZ & Associates was the ones that put it on my credit and XXXX said yes they did. XXXX stated that he would give me the number to this XXXX but then said he didn't have it but got really bothered when he felted as if I was being rude. But I told him I have a police report from being an Idenity theft person, he said it was to old. I stated how would you put things on peoples credit and not have all the correct information they are needing. I used a curse word and hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX CXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo created a fake credit card in my name. I was never notified about this until they started piling fees onto the card, closed the account after the amount owed was about {$100.00} over the spending limit for the card, and sent it to collections, at which point I started getting phone calls. Since then, I was given a settlement check in the class-action lawsuit about this issue, but the account still shows up on my credit report. I tried disputing it with the credit agencies multiple times to no avail, and then with Wells Fargo themselves, and it is STILL on my credit report - it looks like they actually reopened it and reclosed it due to my complaint, which will keep it on my credit report for another 7 years, even though I never applied for a credit card, never received one, and never signed anything, AND the company recognized their actions against me as unlawful ( I received a settlement check ).

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, hurts me applying for credit and applying for jobs. I've reached out to have these issues resolved and haven't gotten a response. I would like to get this issue resolved as soon as possible.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 opened a complaint XXXX explaining that someone broke into my home & took my personal information and now has been trying to open accounts in my name. I have called Transunion they hang up and constantly tell me something different every time I call. I have been hung up on XXXX rep say they got my information then another day they never got anything from me. I need help to get these inquiries that I did not apply for removed. Please remove these XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. You sent me a letter stating that some of the information I gave you suggest that someone else submitted the complaint on my behalf but that is not true. I submitted this complaint & I am again asking you to help me get this information removed 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 2022-08-25
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two collections on my credit report. The Original Creditor for both is XXXX  XXXX and the two debt collectors are Midland Credit Malmanagement and XXXX XXXX XXXX. I have already filed a complaint against XXXX XXXX  and the CFPB forwarded the complaint to XXXX XXXX Regulator and I have received Notification from the Regulator and that XXXX XXXXXXXX was informed of the complaint and directed to respond. 

This Complaint is against Midland Credit Management. Both Midland and XXXX who are both affiliated companies, Midland Credit Management services accounts for XXXX. Both affiliates are reporting and claiming rights to that debt. 

However, as i mentioned in the last complaint toward XXXX. There is no XXXX XXXX on any of my credit reports. I have two collections for the same Original Creditor that does not appear in any where on my credit History. not one of the 3 credit Bureaus. 

In My Last complaint to XXXX, they responded that they own the account, they provided no proof, they didn't say who they purchased it from, simply a take my word for it type of response, they didn't even address, the possibility that there was a possible error between the two affiliates. and to my disbelief, the CFPB closed the case. 

So that I don't leave room for misinterpretation, I'm going to be Blunt. I believe that the two affiliates who have a Sudden case of amnesia concerning their partnership as well as XXXX XXXX XXXX affiliation, XXXX is the company that responded to the XXXX complaint who is also affiliated, but they are conspiring to collect invalid debt by passing on debt that has been time bared and exceeded the 7 year look back period and when confronted they point a finger at each other in an effort to stall and eventually discourage consumers from challenging the debt further. 

This will probably be closed as well, after I receive the ( Oh, we own this debt, we are not going to prove to you, but you can trust us response ). and that's ok, I just need Midland to respond and when I receive XXXX XXXX XXXX response, I will take XXXX, XXXX and Midland to Court and let them try giving those weak explanations to a judge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 is 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 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 2022-07-19
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX  ( account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account with Bank of America ending in XXXX and XXXX had been in good standing. I had several claims from a credit card company that I owned and paid through this account. I filed the claim through the bank and some of the claims were paid. On XX/XX/XXXX my account was closed abruptly. At the time I learned the account was closed I had just arrived at my XXXXXXXX XXXX needless to say I had to reschedule because I couldnt pay my copay with my debit card and I didnt have any other way to pay. I have {$9500.00} in claims that should be paid as well as {$380.00} that was in my bank accounts. I called the bank several times and was told that they dont have to give me an explanation why they closed my account. Its a XXXX weekend and I dont have anything from my accounts and Im XXXX with a 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 monetary relief