BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX, I received multiple phone calls from Midland Credit Management regarding overdue debt. On multiple occasions, I told Midland that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from Midland Credit Management regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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: Investigation took more than 30 days

Complaint:
Ive reached out to all three credit bureaus XXXX XXXX and Trans Union Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the two XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX at Transunion and XXXX XXXX, Vice President, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent information.

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 2019-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, XXXX and Equifax on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT EQUIFAX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt collector calling my place of work and home and a distant relative many times after they were told not to call back I have a XXXX child and they call non stop Today X/X/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: IL
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:
I, XXXX XXXX placed an online order of XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. It was shipped through XXXX XXXX delivery on XXXX XX/XX/XXXX. Tracking number XXXX initially showed that it was supposed to be delivered on XX/XX/XXXX but it was not delivered on that day and finally the tracking showed that it was delivered on XX/XX/XXXX at XXXX XXXX. I was home all day and there was no delivery made by XXXX, so I contacted merchant via email on XX/XX/XXXX at XXXX XXXX  but merchant never responded to my email. Then I tried to catch them via phone call and was able to speak to person named XXXX and explained him that I have not received my package and there was no doorbell and no XXXX  person. He advised me to check with neighbors and then I checked with my neighbors and front and back door as well but there was no package. Merchant is giving false statements about me. I NEVER said it is common for packages to go missing in my apartment building. I always receive multiple packages safely at my apartment building through all major carriers. Merchant was totally non cooperative and was not willing for REFUND or REPLACEMENT. Merchant also stated property is secured and to speak with property manager. Its not the issue with my apartment building so no use to contact property manager. I did mention that it might be possible that XXXX delivered to wrong address because all the buildings are similar in my area. Merchant filed claim with XXXX because I have not received my package. XXXX declined claim because XXXX  delivery SIGNATURE Option was not requested at the time of shipment. It was perishable Frozen Meat and Merchant should have opted for signature delivery to get my item in time. Out of {$450.00} I paid {$130.00} for shipping cost. When I have paid high shipping amount then it was Merchant responsibility to ensure package properly about lost or stolen insurance and option for signature delivery, as all other merchants do for high value deliveries. I am a long time CHASE CUSTOMER since XXXX and I believe that it is unfair that I must bear loss of {$450.00} when I have not received my item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Collections Acquisition Company, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole a check from me and used it at XXXX XXXX XXXX XXXX. The store obviously didnt ask for Id to verify the check belonged to the person because I didnt write the check. I have contacted the business years ago and also disputed it with the collection agency and the credit agency. This is still on my credit report and signature on the check is not even mine. This has affected my credit score for years and its time it be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am having a problem with my mortgage servicer, PHH Mortgage Services. I am U.S. military, and in XX/XX/2019 I set up a payroll allotment via myPay to pay my mortgage every month. XXXX XXXX XXXX XXXX ( XXXX ) ( in XXXX ) sends out payments of {$1500.00} in my behalf on the first day of each month. Until now, PHH has  been receiving my payments OK, although a few months ago they called me and said one of my payments was late. This month, however, they called me ( on XX/XX/19 ), said they hadn't received my XX/XX/XXXX payment, and said they were adding a {$37.00} late fee onto my bill. This is the first time they have ever demanded a late fee. I called PHH again on XX/XX/19, and they again denied receiving my XX/XX/XXXX payment in the amount of {$1500.00}. This money is missing. I went to my local finance office and had them put a trace on the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 2022-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ERC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: AZ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXXdentity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXXXXXX, I attempted to make a withdrawal from my payroll card and discovered that my entire pay had been withdrawn. I called the number on the back of the card, which was issued by Bank of America, and was advised that the money had been withdrawn in XXXX County, Florida that morning. I filed a dispute by telephone and was given instructions to send written documentation. 
On XX/XX/XXXX, I received a letter from Bank of America stating that they had determined that there was no fraud and they had closed their investigation due to " inconsistent, conflicting information ''. This was before they could possibly have received the documentation that they requested. 
I received a new payroll card and did receive my next payroll, but did not receive any of my money that was due to me on XX/XX/XXXX. 
On XX/XX/XXXX, I faxed an appeal letter to Bank of America with all documentation proving that I had not been out of the State of Texas in XX/XX/XXXX. In fact, I had been at work for XXXX, XXXX, working on the Toll XXXX extension in XXXX County, Texas. My card had been in my possession the entire time. 
In fact, it would have been impossible for anyone to have used my card to withdraw my pay in XXXX County, Florida and be back in Texas when I used my card at the ATM in XXXX, Texas. Bank of America is well aware of this fact, and it is my opinion that they closed the fraud investigation without any investigation at all. 
I have called repeatedly to inquire about the status of the appeal and have been told that they have 90 days to investigate it, and that they will not credit me for the amount while they investigate. This has created a hardship for me, losing my entire paycheck to fraud and I have no way to prevent it happening again.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$130000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I have tried numerous times to obtain from XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of this collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has shared my information without written consent

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 2020-06-23
Company: Experian Information Solutions 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXXXXXX {$460.00} XXXX   XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}

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 2019-05-03
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT 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 explanation
Consumer complaint received 2019-09-27
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was charged overdraft fees in the amount of approximately {$200.00} total. I should have not been charged fees because I had enough funds available for the transactions that were made. I emailed them 3 days ago when my account became negative approximately {$100.00} and was told that I had pending transactions that had not been taken out however there were no transactions that showed pending. All of my pending transactions always shows and those funds are always held. On yesterday morning my account was overdrawn approximately another {$100.00} for the exact same transactions. When I called I was told that there were pending transactions that showed in the background that they only could see which caused my account to overdraft. She also stated that I could not have known that because I couldnt see it so technically the transactions that I made would have been covered but since I couldnt see the other pending transactions it caused my account to overdraft. The rep refunded approximately {$100.00} due to the situation and because my account is not regularly overdrawn but did refund the remaining approximate fees of {$100.00}.

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 2022-02-03
Company: Westlake Services, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card was issued by XXXX on XX/XX/XXXX it was sold or transferred to Westlake Portfolio Management in XX/XX/XXXX, due to XXXX going out of business. My monthly payments were always {$35.00} due on the 1st of each month. I made my first payment on XX/XX/XXXX with a customer service representative. When XXXX & XXXX came my payment was considered 3 & 9 days late and I was charged a late fee which I paid. My XXXX payment was made on XX/XX/XXXX via the mobile app but my payment posted on XX/XX/XXXX and I was charged yet another late fee. On XX/XX/XXXX I called and spoke with a customer service representative named XXXX, I had previously spoken to 2 other reps but the calls were disconnected both times. XXXX said that my payment was considered late because their system doesn't post the payment until 24 hours later, I told XXXX that I have never made a payment on the due date and it be considered late. XXXX said she would put a request in to have the fees reversed and it could take 24-48 hours she said to call back and verify that it was reversed XXXX also processed my XXXX payment for {$45.00}. I checked the mobile app on XXXX and noticed that I was charged another fee of of {$9.00} for an unknown reason. I checked again on XXXX and was charged yet another fee of {$9.00} bringing my total due to {$19.00}. I called on XXXX and spoke with 5 different reps of those 5 I was disconnected 4 times by the rep when they were suppose to transfer me to their " credit card department '' the 5th time I called I spoke with XXXX who said that they did not have a credit card department he then transferred my call to XXXX XXXX, XXXX looked into the account and said that the fees were justified because my payments were considered late. She said she would request a call back from a department who can handle my account. The contract details say that the amount financed is {$650.00} with a 0 % APR and a monthly payment of {$45.00}, the contract states it ends on XX/XX/XXXX, this is all incorrect I am being charged interest and it is not been disclosed to me with those amount I would end up paying {$1400.00}. I sent an email to XXXX expressing my issues about my account I received a response that said I needed to speak with a rep, unfortunately their reps just like to disconnect the calls and can't help with my account. When looking at my statements I am being charged interest but the balance amounts do not match.

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