BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re case #  XXXX  &  XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  and as of today    XXXX   I  received a call from a collector representing the  XXXX   XXXX , the agency is  Brett Borland Law Office.      First the  XXXX   XXXX  attempted to collect over {$4000.00} from me by falsely stating that I failed to give them proper notice to vacate the apartment. They went so far as to write it in my file and put the fee on my credit report and hired  XXXX   XXXX   XXXX  to collect.     I wrote several letters asking the   XXXX   credit bureaus for validation of debt and verification of debt. After several attempts and finally receiving my file from the  XXXX  I reviewed it thoroughly. The discrepancies I discovered made me wonder if  XXXX  had really reviewed/verified/validated, or did they just want money?, I wrote and told  XXXX  that if  XXXX  claims they evicted me, why in my notes from the  XXXX  file is it stating that I owe {$500.00} plus fee for insufficient notice to vacate the premises. The answer is because I vacated the premises and was never evicted.  XXXX  merely deducted the {$500.00} plus dollars and readjusted the amount owed to the credit bureau 's, by fair credit reporting law they were supposed to delete it - or so I thought?     Then the  XXXX  claimed they got a court order from a judge and had a sheriff put me out. I asked  XXXX  months ago to produce the documents because they are making additional false statements and representations. I called  XXXX   XXXX  Courts and no such record exists is what I was told. Also, The  XXXX  released me from my lease due a tenant breaking in my place. I have a document signed by a  XXXX   XXXX   XXXX  and the police report - both of which I submitted to  XXXX  several times, each time they claimed it was not legible after they scanned it in their system. I asked  XXXX  if it were possible to look at the release and police report before they scan it in, then it would be undeniably visible ; they said they would not.     Now ,    XXXX    I go t a call from the law offices of  Brett Borland . The collector said they are collecting for their client the  XXXX  Apartments. Is yet another agency trying to collect on an account for which their is no legal proof of their allegations of a court ordered eviction? And why are   XXXX   agencies collecting for the same account. Just last week  XXXX  was the collector of record?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Account status incorrect

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

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 2022-08-15
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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: SYNCHRONY FINANCIAL
State: CA
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:
So I hired XXXX 's to replace carpets for stairs in my home. I paid for XXXX of underlayment padding per contract, while contractor only installed XXXX. I reported the issue to XXXX 's and XXXX 's couldn't help because contractor claimed all material was used. I escalated issue to card issuer Synchrony Bank, and the dispute team first investigated in the wrong direction, and then closed the case in favor of merchant without collecting anything to refute my claim, saying that I needed to work with XXXX 's to get it resolved. I'm tired of going back and forth with the two entities. 

It's a simple fact that they used only XXXX -- anyone can stop by and measure and I have photos to prove too -- while claiming they used XXXX. This collusion of merchant and bank is ridiculous and disgusting.

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 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This would be the second time I 've submitted a request to investigate inquires on my credit report that I did not believe to be mine or requested by me. I most recently sent Transunion another request to investigate the inquires. I requested to provide me documents upon their investigation showing my signature or something supporting I authorized it. The letter was received by Transunion on X/XX/2017 and on X/XX/2017 I received a letter from Transunion explaining what an inquiry was as their response. Obviously I know what it is, but my request was to investigate it. Since their letter was sent to me so quickly I am positive no investigation was done as I had requested. The letter I sent was certified so I can support when Transunion received my letter. This is the second time I received this response from Transunion. I sent copies of my drivers license as well as my social supporting who I am, but Transunion failed to review my request. 

I have attached a copy of my original letter to this complaint.

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 2021-03-10
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent certified letters to this company and A level 3 HIPPA violation was committed. A level 3 violation is '' an offense committed with the intent to sell, transfer, or use individual identifiable health information for commercial advantage, gain or maliciaous harm. Violation of Subtitle D of XXXX Sec XXXX ( Application of Security provisions and Penalties to Business Associated of Covered Entities ) Violation of Subtitle D of ARRA Sec 13407 ( 1 ) Breach of Security ) Liable for penalties under the HITECH ACT PQD SERVICE INC is in clear violation of HIPPA ( ... no permissible business purpose in divulging protected health info to anyone on an account ) should you ever inquire, report, update or verify anything on the credit report. I am asking you to have PDQ SERVICES INC located at XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX delete all information they have furnished to any and all credit bureaus and destroy any information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection. I will file a formal complaint to the XXXX XXXX  and the XXXX XXXX against your company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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:
I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from 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 2022-08-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/22 I received three emails from Truist Bank that a personal checking account had been opened in my name. My full name was on the email with the account. I called Truist to confirm and they did confirm an account had been opened in my name. I was told that someone must have my name, address, date of birth and social security number in order to set up an account, but that the phone number doesn't have to be accurate. I called Truist and they closed the account and forwarded my issue to their fraud department. They are supposed to call me if additional information is needed, but I wasn't given more information than that.

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 2017-04-21
Company: Atlanticus Services Corporation
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I took out a credit card with Action Card a few years ago. Unfortunately, due to unemployment I fell on hard times and am unable to pay the bill of {$1000.00} until I 'm gainfully employed. I have been receiving several harassing calls from a  XXXX   XXXX   XXXX . This credit card is in my name only and this  XXXX   XXXX  somehow got a hold of my wife 's cell phone and now she is harassing my wife. My wife did not co-sign on this account nor was she ever a user. I 've asked   XXXX   XXXX   to stop calling my wife and she stated that she is a lawyer and that she can call anyone in my household. I also told   XXXX   XXXX   that I am unemployed and that as soon as I am employed again that I will make payment arrangements.  XXXX   XXXX  stated that unless I am living on  the street that she will do everything and anything to collect from me. I feel that she is being overly aggressive. I understand that bankruptcy might be an option but that will hinder our employability so we are trying to handle this as best as we can. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-08-31
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank is my mortgage company. I live in XXXX XXXX Texas XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had a fence burned up in a wildfire XXXX XXXX and my XXXX company has sent me a check for {$20000.00} and it is made out to US Bank and me. US Bank had previously told me they would sign and release up to {$20000.00} so I could move on with the repair work to the fence. There was no damage to my home, the only damage was a burned down fence around my XXXX acres. I have a XXXX who lost over {$100000.00} of livestock ( drowned in the floods ) who needs the work, but I ca n't get him started because the insurance check is {$760.00} over {$20000.00}, US Bank is wanting a XXXX, and notarized forms including a release of lien commitment form, another signed contract form, and then will require inspections on the fence. This is in a XXXX XXXX that was decimated by XXXX, and there are not going to be inspectors for this. Also, this is a ranch hand that will be repairing the fence, not some white collar guy who fills out paperwork, not to mention finding a notary in a rural community. I called US Bank for the XXXX time because it had been over a week since my initial request for an exception and no one will approve the release of the funds. I tried to complain and asked to speak with someone higher, and if there was an XXXX XXXX XXXX, I was told she had never heard of that and that the issue was being escalated to corporate and it would take another week. I was told that US Bank reviews exceptions on Tuesdays & Thursdays only and that I would just have to wait for my answer. Not only was my request not approved yet after a full week, now I can not even call anyone to escalate a complaint. This seems like very poor service/treatment. Please help me understand why a person ( who is in a XXXX declared disaster area from the worst flood in Texas history ) with an XXXX FICO with under 80 % XXXX who has XXXX missed payments with over 30 years of mortgage payment history can not get a {$760.00} exception to policy approved?

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 2019-10-18
Company: General Information Services, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A misdemeanor charge I have out of Illinois is being reported as a felony on a background check. The Company GIS/ XXXX XXXX told me today XX/XX/2019 that on XX/XX/2019 they spoke to a Circuit clerk out of XXXX XXXX Illinois and were told that the charge was a felony which is a false. Ive spoke to the clerk three times this week and and they have stated that it is a class a misdemeanor and also send me Docket information and other reports Pertaining to my case that states it as well. Ive disputed this two times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I am seeing multiple hard inquires on my credit report by XXXX XXXX bank which I have not authorized.

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 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been notified by my employer that FIA Card Services, the successor company to MBNA, both of which are or were a wholly-owned subsidiary of Bank of America, is attempting to garnish my wages in the amount of {$530.00}, for an unsecured ( credit card ) debt on which no payment has been made ( original default was longer than 12 years ) for over 12 years, which is time-barred from collection in my state ( Virginia XXXX, after 6 years and violates the Fair Debt Collection Practices Act ( FDCPA ). I also received no notice of legal action from, in, by or in regards to the courts of my residence which is XXXX County, Virginia, from FIA Card Services, via any process server, law enforcement personnel, or other on behalf of FIA Card Services, nor via any official communication from XXXX County General District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling every  30  minutes throughout the day, every day. I have requested they stop. One woman got nasty with me. I do not know who they are. I have no debts and I do not owe them anything. I have told them they have wrong number. They continue to call!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: MI
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:
Today I spoke with a representative from Experian 's fraud department who indicated that Experian is continuing to decline honoring my police report due to their internal policy. I was also told that the creditor does not send Experian a letter in writing to remove the fraudulent information, it would remain on my credit for up to 7 years as it was " verified '' by the creditor with my name and social security number, that clearly has been breached. 

Therefore, Experian continues to willfully report fraudulent information on my credit and it is causing me financial harm and distress. The account from XXXX XXXX is fraudulent. The account number is XXXX, This account is detailed in my police report that was sent to XXXX. This is a direct violation of the Fair Credit Reporting Act.

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 2021-01-19
Company: EQUIFAX, 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 IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED

Company response to consumer: Closed with explanation