BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked XXXX and TransUnion both to do more research on my score to repair it and they did nothing.

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 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX XXXX am getting XXXX payments through Bank of America XXXX card which I do not like using make of XXXX because always have issue I did not want to use this card because it does not have any safe cards no chips and I am forced to use this card because there's no other way I can get my funds. I had a couple fraudulent transactions on my card I went through all proper channels filed complaints and and then my account got frozen for over XXXX and a half months that was a headache I reported the complaint they sent me a new card and they said that they could not investigate the complaints because my account was frozen but then I got a letter saying that the my complaint was closed because didn't find any evidence of wrongdoing. But why would I get the letter if they're saying that they can not investigate my account because it was frozen. Every time I call they keep telling me XXXX thing after another and they record my calls so there's proof that what I say is going on. XX/XX/XXXX I have XXXX different complaints on XXXX different cards. Claim number XXXX And claim number XXXX. Account ending XXXX XX/XX/XXXX. And also reopen the claim XXXX XXXX .. been such a headache. How can cash be taken out of atm at XXXX location and unless I have a ufo XXXX XXXX to transport me to a different atm that was used in a different town. Minutes apart.. also everytime I spoke to a agent they tell me certain things and tell me a temporary credit will be deposited in my account in XXXX  days. They record the calls so one can pull up my call and interaction with them and it will prove I m getting mislead. Listed on their site that my money and my account are protected and XXXX fraud liability.. False advertisement. I also contacted the local news channel to help me out. I can't get the medicine I need cuz my missing money and I'm on XXXX and I have a XXXX XXXX and major XXXX  issues. I'm not able to get food or basic thing I need for daily living. Bank of america XXXX XXXX cards with no protection. Easy to copy and they need to back up and do what they advertise about XXXX 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 explanation
Consumer complaint received 2018-02-08
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
was paid for work with money order from western union for work on a car. called western union to make sure the money orders where good. they told me yes. i asked them about the possibility of them putting a stop payment on them after i took them as payment and western union said that as long as i had both the money order and the receipt of the money orders that they couldnt put a stop payment on them. the next day i went down and cashed one of the money orders with no problem. about two weeks later i went to cash the other one and they told me it was no good and that i owed them XXXX for the one i cashed. i tried for months to solve the problem with western union but with no luck. finally they told me they were having a hearing on the validity of my complaint and to get a hold of them in a couple weeks. when i did they said that they were not gtoing to pay me and that i still owed them the XXXX i figured i got ripped off. i kept the money order and just ran across it the other day ande my girl friend talked me into following up on getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BARCLAYS BANK CREDIT CARD SHOWS ON MY CREDIT REPORT WITH XXXX, WHICH IS NOT MINE!! PLEASE HELP ... I HAVE FILED WITH THE FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have contacted the credit company on inquiry which were not authorized by me. Also contact TransUnion with several letters about these hard inquiries on my credit report. TransUnion refuses to remove these inquiries which were not Authorized by 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 explanation
Consumer complaint received 2018-07-10
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
National Default Servicing Corporation ( NDSC ) made material intentional misrepresentations as to their relationship as it relates to my home loan mortgage account and foreclosure processes. 
NDSC provided written documents originating from them in which the affixed the XXXX XXXX XXXXXXXX XXXX at the top giving the appearance the correspondence originated from XXXX XXXX XXXXXXXX and not NDSC. Within the correspondence, NDSC stated it had been retained by XXXX XXXX XXXXXXXX to collect on a delinquent mortgage debt prior to XX/XX/XXXX. Neither NDSC nor XXXX XXXX XXXX has provided any written documentation confirming NDSC a Trustee relating to foreclosure processes to date. 
Upon receipt of correspondence from NDSC prior to XX/XX/XXXX claiming any connection to my home loan mortgage debt was unclear and incorrect. I actually believe this correspondence to be a scam of some sort as I was still pending in the modification process at the time of receipt. On XX/XX/XXXX, I was approved on appeal for a MHA HAMP TPP. However, I had not been offered the MHA HAMP TPP acceptance package at the time of the NDSC correspondence. As dual tracking is prohibited under California law, debt collection processes, including foreclosure, can not begin or proceed. 
All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid out the XXXX XXXX  XXXX XXXX credit card by Comenity Bank and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date opened XXXX XXXX debt allegedly owed {$260.00} y consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date opened XXXX XXXX debt allegedly owed {$670.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent

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 2018-07-10
Company: Alliance One, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified XX/XX/2018 by collection agency that I owe debt from a utility company. I was not aware of the debt and asked for a copy of the bill. In the meantime I contacted the utility company and discovered it was from my rental property ( they sent my bill to the rental address ) the original bill was for XXXX and they discovered a billing error and reduced the amount to XXXX. I received bill from Utility Company and paid the same day by check ( XX/XX/18 ). Also received bill from Collection Agency. Collections called again around XX/XX/XXXX and I told them I paid the balance and I provided check # and amount when asked. Contacted by Collections on XX/XX/XXXX that I owed a balance of XXXX ( difference between original bill and revised bill ) and I explained that there was no balance and account cleared. They insisted. I verbally disputed the charge and asked them to call Utility Company and they refused I again disputed the balance and they insisted I owed. I contacted Utility Company and they verified XXXX balance and stated they would contact Collections. On XX/XX/XXXX called Utility Company again and they started the manual reversal. Almost 2 weeks later the Collection Agency filed a derogatory remark and collection notice to all reporting Credit Bureaus. My credit is in yellow status and dropped 50-100 points ( depending on what agency ). Also note that in the correspondence from the Collections they did not provide info on the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: EQUIFAX, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
Someone took over my lease at the XXXX XXXX XXXX complex. And the new tenant has an overdue bill so now the apartment complex sent a collection agency after me. The collection agency failed to contact me and damaged my credit without telling me about the debt or trying to resolve it with me first. I had to find out from XXXX XXXX. Even though I signed a lease-closing document when I moved out that stated I wouldn't be responsible for any debt the new tenant will accumulate. Now the apartment complex has accepted their wrongdoing and removed it from my credit but I lost 22 credit points because of this derogatory mark and gained none after the error was removed. I was planning to get a car loan and did not get the rate I wanted because of this. I asked Equifax and XXXX  both to do more research on my score to repair it and they did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report I am getting penalized for deliquent credit card accounts. These two accounts were my ex-wife 's, which she had prior to our relationship. She made me an authorized user on both of the accounts during the relationship. Now, being divorced for almost 2 years, my credit report still shows association with her credit cards. The credit card companies can not access these accounts without her authorization or passwords, which I have zero access to which leaves me with my hands tied behind my back and at fault for her debt. I am unsure of the exact amount she owes or how long these accounts have been deliquent. I don't even know her account number or credit card numbers.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: MD
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 sent dispute letters to equifax on XX/XX/2021 and the 30 day mark for them to reply was XX/XX/XXXX. it is XXXX the XXXX 2021 and they still have yet to reply to my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: R & B Corporation of Virginia
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an issue with XXXX XXXX that stems from XXXX losing my account for twice. I had been a customer for 7 years and suddenly my service gets cancelled. The reason I was given on one of my 9 calls to XXXX was somebody tried to open service at my address and they weren't supposed to cut service but they did. After repeated communications where their accounting system did not show I made payments via auto pay or that I had an account for 7 years I was told by XXXX  to dispute the charges with my XXXX credit card, which I did. I also closed my account. At the time of closing I had a XXXX   balance as I paid everything. Months later I was sent a bill with cancelled payment fees. I contacted XXXX again notifying them I closed my account and that XXXX told me to dispute charges. XXXX stated they are submitting paperwork to resolve the accounting issue. I haven't heard from XXXX since and it has been a few months. Today I received a notice from my credit monitoring that there are open accounts and derogatory marks posted by a collection company employed by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
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:
I have filed a dispute with Experian to accurately correct two accounts, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed in XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted each lender directly who confirmed the accounts have a XXXX balance and was reported to each credit bureau including Experian as such. 
Under the FCRA, both Experian as the credit reporting company and each lender are responsible for correcting inaccurate or incomplete information in your report. It has now almost been 4 months since both lenders initially reported to Experian and roughly 45 days since the dispute has closed to no avail. Please contact each lender directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present.

XXXX, TRANS UNION, AND XXXX   made my life miserable.

I can not refinance my house loan.

I can not cash out since 2002 till present.

As a XXXX XXXX I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports.

Credit card companies will not approve me.

Banks will not approve me to obtain loans.

I have to purchase Bond to enable me to do b and c loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I approached TransUnion in XXXX for a free credit check. I was billed {$1.00} on XX/XX/XXXX, and billed monthly until the most recent date, which was XX/XX/XXXX. The monthly cost has increased from {$17.00}, to {$24.00}. 

At the time, they required I enter debit/credit card information, which they have since used to bill me monthly. I used my debit card when I requested my free credit check, which has since expired. I do not recall when my debit card expired. I checked my bank statements and have not found a monthly charge, but I can only go back a few months into my statements. 

I did not know I was being signed up for a monthly subscription service. I did not receive a bill from TransUnion via mail, or email. The only trail of bills I could find was on their website, which I visited recently. I closed the account after discovering the list of charges. I am completing this report and will contact my bank later today. 

I fear they have charged my debit card without my knowledge and without fair notice. I believe they intentionally hid the " orders '' on their website to charge my card without my knowledge. I hope to find the total they charged my account when I speak with my bank today. 

I did not knowingly sign up for a subscription through TransUnion. They have since billed me without my knowledge and consent, and without fair notice. I have since located CFPB enforcement regarding this issue, dated XX/XX/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