BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be 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 2018-09-29
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company going by name Debt Recovery Solutions , LLC has constantly harassed me about supposed medical debt in collections. These are fraudulent charges. I have disputed these charges as fraudulent on multiple occasions with all 3 credit borrows. Company keeps opening collection accounts in my name for different amounts ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/2020 through XX/XX/2020 Bank of America has continously allowed a vendor, XXXX XXXX, to make back to back ACH charges weekly on my account without authorization. Then BofA began charging not only overdraft fees but additional fees while clearly seeing this vendors continuous back to back withdrawals. Even after filing a claim for return of fees ( claim # XXXX XXXX and asking for a stop payment, two more transactions occurred and additional fees. While I have on occasion been able to overdraft my account via a cash withdrawal, immediately following my account was suspended from doing so but BofA could offer no explanation to the change which was reasonably adverse and retaliatory to my filing complaint about their handling of my account. Still no resolve, no return of fees and vendor still charging.

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 2020-09-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
For the last six months I have been disputing with the three credit bureaus and no resultion.

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 2018-03-01
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX TRANSWORLD SYSTEMS INC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information which has been sent to collections on my credit report. After extensive examination of my medical records, Ive discovered that the below balances were never billed to my insurance company, XXXX XXXX XXXX XXXX. listed below are the accounts in question. 

Please verify for each of these accounts, what I am being billed for, and an itemized copy of the services I am being billed for. Please also confirm that these services were not billed to my insurance company, and please confirm that I am not liable for these balances since my insurance company was not billed in time to get these account balances settled. A copy of this letter has been sent to XXXX, XXXX, and XXXX as well. These accounts were removed from my XXXX and XXXX reports already, but they remain on my XXXX   report. I have verified numerous times that my insurance company was never billed for these alleged services. Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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:
I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED 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 explanation
Consumer complaint received 2017-08-06
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX   XXXX  , 2017 I summited a complaint through   XXXX   XXXX   and   XXXX   XXXX  . Amount is {$310.00}. The amount owed is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: PRESTIGE FINANCIAL SERVICES 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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.

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 2021-04-27
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: Account information incorrect

Complaint:
Transunion has negative information and out dated information severely impacting my credit report. This is TERRIBLE

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 2020-05-15
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: Information belongs to someone else

Complaint:
The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted cashapp 5 times and all they asked was to ask the person for my money back. The person clearly had scammed me for my money and was unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
My card was again declined and the card was blocked after trying to make a small purchase ( cup of coffee in this case ). This is the third time my card has been permanently blocked by this company and they did not contact me when they blocked the card. Rather I had to call them and wait on hold for hours before anyone could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Ashelys ' furniture Home Store/ Synchrony has not responded as of XX/XX/XXXX nor XX/XX/2020.

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 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have provided this information. See complaint XXXX ; Your complaint form did not allow me to add information and that is something you should fix. A key problem here relates to the Bank of America XXXX at XXXX XXXX XXXX XXXX, XXXX, North Carolina, as the Bank of America has been remarkably negligent and uncooperative, not providing a valid fax # or email address. This has been going on with other victims since at least XX/XX/XXXX and with me the scam involves a bit more than {$120000.00} lost. 

The account with Bank of America involves XXXX XXXX, the scammer 's money mule, as well as a scammer clone of XXXX XXXX XXXX XXXX. There are numerous law enforcement and financial agencies involved. 

I am providing you with about 1/20 of the material I have and I would like you to look pages 1 and 2 of the PDF attachment, as they provide the account information and XXXX XXXX XXXX XXXX 's fake website, so you can see the full extent of my loss.

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 2020-10-29
Company: EQUIFAX, 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:
this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When my mortgage company did my escrow analysis on XX/XX/20 my escrow payment increased to XXXX $ monthly substantially increasing my mortgage payment. My husband and I had anticipated some increase due the fact that the previous owner had numerous homestead exemptions on the house and since we had moved into the house in XXXX we did not qualify for any home stead exemption, so we knew going in, that there would be a discrepancy due to the tax bill. XXXX $ was deposited at closing and XXXX was going monthly into the escrow account, by XXXX {$2900.00} should have been deposited into the account. Our home owners insurance was paid in the amount of XXXX ( XXXX ) monthly pmi was paid at a rate of XXXX ( 9 months ) and our tax bill was paid in the amount of XXXX ( XXXX ), total amount out XXXX, which results in a discrepancy of around XXXX. When I called to discuss the escrow account with my mortgage company I was told that to catch up from last years shortage I would have to pay out XXXX. They calculated this number claiming to have paid out XXXX on my behalf and that on the date since i did not have a balance of XXXX in the account I now owe that too. I was unaware there was a penalty for not keeping a minimum balance in the account and according to what was actually paid from the account last year as shown by my escrow statement they did not pay out XXXX last year on my behalf. My husband and I will gladly pay out what we owe for last years shortage, but we will not pay out a grossly inflated inaccurate amount that includes a fee that was never disclosed to us. Also, pmi payment was projected to increase from XXXX to XXXX monthly over this year. I asked for an explanation as to why, and the agent told me that she couldn't explain pmi to me and tried to reach out to the pmi department unsuccessfully. According to my amortization schedule, the pmi should be decreasing with my payments not increasing since the amount of my loan has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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: Information belongs to someone else

Complaint:
The Credit Bureaus are reporting erroneous information on 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 explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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:
I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: Experian Information Solutions 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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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:
REMOVE FRAUD INQURIES FROM MY CREDIT REPORT FINALLY! 

This is my third message to make you to accept my complain. Why I still have someone else 's inquiries or fraud inquiries in my account? What is that? Do you understand that this wrong and misleading information just killing my life planning .... How should I proceed if in 2021 Bureaus can not guarantee that they reporting right information plus the system is interconnected this effects on my score and on my financial planning, loans, mortgages and my wife mood .... So could you please get finally my point and apply proper actions?! Please I want to have my own information in my credit report So remove it asap

Company response to consumer: Closed with explanation