BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got a notice thru XXXX that I had opened a credit card XXXX XXXX with a limit of {$3000.00} and a 0 % utilization as of XX/XX/2016 and the card was supposedly issued on XXXX XXXX, 2016. I have not applied for any credit cards from XXXX and am not pleased that it has showed up on my Transunion and XXXX reports. Can you please investigate for 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 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED : -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015 -XXXX- XX/XX/2015

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 2023-02-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an ATT  account for internet only that was placed on hold in XX/XX/XXXX due to having to move aburptly. ATT  described the hold as having a small payment ( approximately {$17.00} ) until I could install the internet in my new location. I moved into my new location in XX/XX/XXXX after living in hotels and my car. I moved to an area and an apartment that ATT  did not service. ATT  advised me that they did not service that area therefore I returned their equipment but continued to be charged until XX/XX/XXXX. I spoke to approximately 3 representatives and a fraud manager but found this account in collections for {$100.00} for the months that I had XXXX internet and was paying for XXXX internet from XX/XX/XXXX until XX/XX/XXXX. I began to receive calls for debt collections in XX/XX/XXXX and found these charges on my XXXX XXXX  report from I C Systems on behalf of ATTXXXX for {$100.00}. These charges were disputed at least 3 times and resolved. Recently, charges have appeared again from XXXX XXXX XXXX on behalf of 11 ATT for {$100.00} for an account opened in XX/XX/XXXX. Completely not true. I had XXXX internet service at that time and never opened any other account with ATT. I have filed another dispute resolution in 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 explanation
Consumer complaint received 2015-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to TransUnion to get a free credit score check. This is the first check in many years and it therefore should have been free. The Transunion website forced me to enter a credit card # to continue. I entered the credit card information but never agreed to any charges to the card. I later checked my email and I was signed up for credit monitoring with a XXXX charge. I never agreed to have any expense placed onto my credit card. The website never indicated that I was going to be charged for anything. I believe this is a deceptive business practice from Transunion. I have disputed the claim with Transunion and disputed the claim with the credit card company. Even though Transunion eventually relented, this is clearly a deceptive business practice. People go to the 3 main companies to get a free credit report and Transunion intentionally directs this traffic to enter a credit card number to deceptively charge without a clear signup communication. What a scam!

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 2015-10-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Asset Recovery Associates continues to call about an account that was paid off years ago. The account is almost 20 years old. They claimed they could see our accounts and that they were going to make sure that my husband ( who was never on the account ) was also going be affected by my debt that was almost 20 years old and paid off by at least 10 years. They also claimed that his job would be notified about the debt. How do we make this stop? 
They also said it would hit my credit report at a certain date and that has passed and its not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter from XXXX XXXX showing an account TransUnion reported as " verified '', in fact is not mine. I went to re-submit a dispute online and they would not let me submit my letter supporting that the account is not mine. Furthermore, they continue to report inquiries that are unauthorized, fraudulent, and do not meet fair use requirements. 
Here is the inaccurate data on my credit report : XXXX XXXX XXXX XXXX XXXX Other : You have repeatedly reported this as " verified ''. I now have a letter from XXXX XXXX & it is n't my account. 
XXXX XXXX XXXX XXXX/XXXX/2015 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 Inquiry Other : Unauthorized, fraudulent inquiry that does not meet the requirement for permissible use

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 2017-04-28
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a phone call from IC System on  XXXX / XXXX / 2017  at  XXXX  EST.   They said they were calling about a " personal matter '' and asked me to confirm the address they have on file.   I asked them twice to explain what they were calling about, but they refused to provide more details and hung up.   My research indicates they are a debt collection company, but I have no idea what debt they were calling about since they hung up so fast. Now I am worried that my  credit score will get hurt.

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 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account 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 2015-11-13
Company: Credit Central Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After recently moving and providing new address lost my job and made Credit Central aware of loss of job with promise to continued payment once I got a new job. Still not working. Within one week of notification of loss of job my cell was turned off. They started calling everyone on my referral list and someone provided my mother 's # to them. They call her # every day, my mom is XXXX and has repeatedly requested for them to stop calling her. Then 3 weeks ago a man showed up at her house and verbally threatened her, she called the police but they could n't find the guy that came to the door. Then 3 days later a woman showed up, she again requested for them to stop coming to her home and made them aware she has XXXX. The lady left. Tonight at XXXX a XXXX XXXX ( same guy from before ) came to her door and tried to force himself into her house, verbally threatened her and she called the police, the police came and basically just told him to leave. I have repeatedly requested for them to stop calling her and I have requested on more than one occasion for them to provide documentation on how much is still owed if anything, but have never received any such documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$36000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was under XXXX when the debt occured, Placed on parent and childs credit history, when my mother called several times and asked that it be removed because I was under XXXX when it was incurred, they refused. Stating they do not removed from credit. ( My mother paid the debt ) This is illegal, as a minor I was not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XX/XX/XXXX  I filed a Dispute with Eqifax to remove inquiries that were incorrect on my credit file, by  XX/XX/XXXX  I received confirmation that my Dispute was complete. The inquires we not removed and I was notified that it was factual. I called 13 times after filing 609 letters with all documentation proving that the inquiries made on   XXXX   XXXX   XXXX   was not made by me. I purchased my car  XX/XX/XXXX  and those inquiries fell off only to be done placed back with a date of   XXXX   XXXX   XXXX  . I received a letter that Equifax had a comprise into their system. Every rep I spoke to was rude and only replied with oh well it will come off in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I was approved for a credit limit of {$1400.00}. As of XXXX XXXX th 2015 I received a message stating that my credit limit had decreased to {$640.00}. I had a debt ratio over 50 % and have made payments on time for the short period I have had the credit card. Now this will reflect on my credit score as debt to ratio of 99 % of my credit limit used. I have a statement showing now - {$51.00} due to this decreases not to mention the impact it will have once it reports to the credit bereaus. I find this type of act to be very harsh considering I just received a credit limit increase on my XXXX bank card. This practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
this is in reference of the following complaint that i filed on XX/XX/2016 .... XXXX my question still was n't answer ... i stated that the attorney stated they where employee of XXXX XXXX that they are working on there behalf ... they are being mis leading because they are debt collectors trying to collect a debt ... that not mines ... but they want you to think they 're working with XXXX XXXX they why they are coming after defendant.. they said we are representing capital one.. and my question again are they representing XXXX XXXX as they 're they client or they are just debt collector, can they answer that please, and they also said there was no resolution reach at all. but once i told them that was n't my debt, they never respond back to tell me any thing different, as to ask more question they never stop collection of the debt, they proceeded to file a law suit, what happen too the fact that they suppose to hold off on collection for 30 days until they fine out if what i said was true, i should have got a response from them before they decided to file a law suite , so who else can i contact if i want to bring a law suit against them for fair debt violation, and they have a paper with the wrong amount, that does n't match the paper work of the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Other

Complaint:
I have been a Discover card holder since XXXX. Since that time, I have never had a delinquency with them. On XXXX XXXX, XXXX I gave birth to a baby girl who experienced some health issues. After coming home and getting settled in XXXX, I missed my Discover payment. I called and called Discover to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my nine year account to good status. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Discover Card on XXXX XXXX called regarding a missed payment. I spoke with the representative ( name unidentified ) and informed her that a payment will be made on XXXX XXXX. Do not withdraw any moneys from my account. Not only did the representative automatically deducted moneys from my account for the payment causing other bills to " bounce '', she also went in and authorized automatic monthly withdrawal commencing XXXX. At no time did I approve or authorized such actions. It was not until I went to see if specific check " cleared, '' did I become aware of the action of Discover CSR. I called on XXXX XXXX to file a complaint regarding the action of that particular CSR of XXXX XXXX. The CSR of XXXX XXXX was named XXXX. XXXX transferred me to XXXX that wanted to refund my payment. I agreed for it to remain due to the fact that my checking account was already overdrawn due to the Discover withdrawal and the account to be paid payment " bounced. '' I believe this is a practice of Discover. This is the XXXX time in XXXX years that Discover 's representative fails to " listen '' and do exactly what they chose on these account upon calling the customer. XXXX removed the automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have received XXXX civil summons in nc from the same debt collector and they are also a law firm ... is this a type of intimidation ... I got summons afther summons from the same place. I was n't even informed that they were about to summon me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account with BB & T requires a $ 500 monthly ACH deposit to remain fee free. The required deposit has been made every month before XXXX without issue. However, in XXXX, the fee was charged even though the required deposit was made in accordance with the terms of the account. After numerous communications, BB & T has apparently decided to reinterpret their own terms, without any amendment to such terms or notice to its customers, regarding what type of ACH deposit they will recognize. I have been charged a {$12.00} fee for XXXX, and BB & T refuses to refund it or admit any wrongdoing whatsoever. I will be ending my relationship with BB & T over this issue, however, there must be consequences to BB & T for their fraudulent behavior.

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