BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
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: Account status incorrect

Complaint:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to 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 non-monetary relief
Consumer complaint received 2020-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by PORTFOLIO RECOVERY ASSOCIATESs actions. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. I need you to take this matter seriously, and send me a response. My email is XXXX, and my phone is XXXX XXXX XXXX XXXX. 

Accounts information : Account 1 : Portfolio RC ( original creditor : XXXX XXXX  ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$910.00}. 

Account 2 : Portfolio RC ( original creditor : XXXX XXXX XXXX ). Account number : XXXX Opened date : XX/XX/XXXX, High credit : {$2000.00}. 

Portfolio Recovery XXXX, XXXX is acting against the consumers right. They are re-agins the mentioned accounts, they are reporting discrepancies across bureaus. They are being unfair and negligent. 

I have attached some documents for the company. Please send it to them. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

EXPERIAN : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} XXXX  : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on my credit file

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to get TRANSUNION to fix an error on their end for 4 months. I have spent 6+ hours on the phone, spoken to over a dozen CSRs, MAILED in a fraud complaint from the FTC in XXXX and tried XXXX . I can not get them to remove an errant hard inquiry. I am at my wits ' end. They should be accountable to someone...

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 2020-04-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called XXXX credit card ( Comenity ) on XX/XX/2020 @ XXXX and sent email via profile on XX/XX/2020 asking for late fee to be waived. Due to my payroll was delayed since I was sent home from work due to an employee coming into the office who had XXXX. The employee did not quarantine himself for 14 days as instructed. So everyone was sent home immediately. Therefore my timecard was not submitted for payroll. So I had to wait until my manager spoke with payroll so I am just now getting paid a month later since she missed the cut off time. I just got approval from my employer to get up computers to work from home. So I asked the late fee to be waived since this was out of my control. I spoke with a customer service rep and I spoke with a supervisor by the name of XXXX who explained it was nothing that can be done. For someone who still made a payment once I got paid to make sure they received payment. He was not sympathetic to my situation. This is unacceptable with everything going on in the world.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 

Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX. 

I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. 

I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX. 

I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: GVA Holdings, LLC
State: CT
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
They called me to verify that I applied for a loan by calling them. I did not but they had all my information. I asked for information to find out what was going on and they told me to file a police report, They had my social security number but would not give me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For years I have kept a home protection warranty with XXXX XXXX XXXX and paid roughly {$56.00} a month. In XX/XX/2019, I sold my home and I subsequently cancelled my warranty which was automatically billed on my credit card. 

Also in XX/XX/2019, my credit card with XXXX was picked up by a skimmer in Kansas during a business trip and I cancelled the credit card to prevented the many unauthorized charges that were occurring on my credit card. 

In XXXX of 2019, I had purchased another house and I established another warranty with XXXX XXXX XXXX which made my original warranty unnecessary after the sale of my house on XX/XX/2019. 

XXXX  bills the credit card on a monthly basis to renew the agreement. When a representative called me approximately 2-3 months later, I told them that I had cancelled the warranty and my house was sold on XX/XX/2019. They said that they would transfer me to someone else, and I wound up on hold for a very long time, which is what happens any time you attempt to call XXXX. 

If any balance was due for XXXX, I'm happy to pay it, if any service claims were unpaid, I am happy to pay it. But they are attempting to charge me {$210.00} which is unfathomable how they would think that {$210.00} is due. To date, I do not have an itemization of charges that they claim that I owe, so I can only assume that they are trying to bill me for months after my cancellation.

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 2020-04-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed the incorrect name reflecting on my credit report at least 4x 's in the past 6mths, via online disputes and only half the report gets corrected. 

My name is XXXX XXXX XXXX. I am not sure how an incorrect prefix of XXXX keeps getting attached. I submitted a dispute on XX/XX/2020, regarding the incorrect prefix reflecting on my name and provided a copy of my Drivers License and received an email on XX/XX/2020 indicating that my dispute was completed, however my name on the credit file still shows incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
default judgement filed and i was not properly served summons, wage garnishment order served my employer. i submitted claim of exemption. Midland Funding LLc submitted opposition to claim of exemption stating they would not be present at exemption hearing. 
found that to be strange begin that they felt i really owed them. 
I went to exemption hearing, no proof of service in documents when i inquired who was sub-served for me, original creditor was not indicated in documents. Judge said my money was to be returned to me. I feel humiliated, and Midland should be findfor falsifying legal documents, destroying people credit worthinessand making false implications to consumers employers. This would be consider a strike against me, and another strike, i could lose my job after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Harley Davidson Financial Services 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: Was not notified of investigation status or results

Complaint:
I have made sure to make my payments on time for XXXXHARLEY DAVIDSON CR with the account number XXXX. This account should not have late payments statuses in my record. Make sure to provide me with any documentation about the late payments being done in the month indicated in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been charged XXXX by my bank since XXXX of 2019 out of a bank account I had some money on but didn't use. Recently I needed to start using this account again and I found these charges that were never authorized. 
I contacted the bank, they conducted an investigation and admitted it was their fault. 
But instead of refunding me ALL my money ( upwards of XXXX ) they refunded me only XXXX. 
When I called them, they said they don't need to refund any transactions made over 60 days ago. 
Please find attached some bank statements I collected randomly, but the charges are on ALL my statements and I can provide 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 2020-04-03
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This auto loan was opened on XX/XX/2020 in XXXX, NC with BB & T in my name. I have NEVER been to North Carolina and I have NEVER been a resident. I have filed a dispute twice through my credit bureaus but both times BB & T has claimed that this is an accurate loan. Which I wasn't aware of until today. I have tried to contact BB & T multiple times but I have never gotten through to a live person. I do n't drive and I have never owned a car before. I didn't have any knowledge of this account until I checked XXXXXXXX XXXX  and noticed it. I've tried twice to dispute it. Additionally I never received any bills or information about this account. This is my last resort in trying to remove this fraudulent loan off of my account.

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 2015-04-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express offers promotions where if you make the necessary purchase they will credit your charge account with a stated sum. I routinely avail myself of these offers. In this instance I spent the required {$200.00} at XXXX and did not get the promised {$50.00} for using my Amex Serve card. .I did the same offer on my other Amex cards and got my credits within a few days. Their representatives assured me that i would get the {$50.00} credit ( all info herein is documented ) - that I needed to wait 90 days.After waiting the 90 days I resumed calling Amex to get them to fulfill their promise. Instead I ended up with their last response totally off target and making me want to pull my hair out! I have printed evidence that I enrolled my card during the proper period, spent the requisite amount during the correct dates, and an acknowledgment from Amex that confirmed all of the above. Over 120 days have passes and yet I am forced to file a complaint to get the {$50.00}. Very sad!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My Wife & I 's XXXX XXXX, our longest credit account of record, was transferred on XX/XX/XXXX from being issued and managed by XXXX XXXX , to being issued and managed by CapitalOne bank . We were told after the XXXX transfer period our account access would be restored. At the time of notice we were told all account holders would retain and be reissued a CC. We also have long held savings, checkings, and another XXXX account with CapitalOne bank. On XX/XX/XXXX I attempted to log-in to my CapitalOne accounts to manage transactions and pay the XXXX. There was no access for me, but my wife retained access. We were originally co-applicants to the CC when we opened it, and have retained joint access and joint management of the CC. It has appeared on both of our credit histories even before we were married. My wife attempted to grant me account manager access to the XXXX through CapitalOne but that was not allowed, despite it being allowed for her other CapitalOne credit card. After numerous calls to CapitalOne on XXXX ( and lots of conflicting information ) we were finally told by 3 separate account supervisors in succession on two different calls that " CapitalOne systems do not allow for joint access to manage this CC '' and that our options were to only use my wife 's account login to manage the CC or close the account. I pointed out that it is actually a violation of CapitalOnes Terms of Service that she share her log-in with another person, and that their claims of " systems '' not allowing fall flat when they specifically allow for joint account manager access on other credit-cards. I also pointed out that this CC was opened under the terms that we would both have joint access and control... and we never waived or asked for that to be restricted. I asked they honor the original terms when we opened this credit card and they said " we can't ''. Supervisory Account managers XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ) made these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: World Omni Financial Corp.
State: NC
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, SOUTH EAST TOYOTA FINANCIAL DBA OF WO, account number XXXX has violated my rights by reporting negative late payments from XX/XX/XXXX to XX/XX/XXXX. According to 15 U.S.C. 1681, Section 602 A, it states I have the right to privacy, as well as, 15 U.S.C. 1681, Section 604 A, Section 2, which states a consumer reporting agency can not furnish an account without my written instructions. Therefore, I am requesting this account be removed, and deleted. from my credit report with XXXX, XXXX and XXXX, as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Debt Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.

Company response to consumer: Closed with explanation