BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
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:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$85.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
O n   XXXX   XXXX   XXXX   this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pressler & Pressler , LLP said : Explanation of closureDear XXXX XXXX XXXX : Your complaint involves a bill for medical services placed in this office for representation by XXXX XXXX XXXX of XXXX XXXX, XXXX. On XXXX XXXX, 2015, this office sent both you and your wife a Fair Debt Collection Practices Act ( FDCPA ) letter pursuant to federal law allowing either of you the opportunity to request verification of the debt. Your initial request for verification was received on XXXX XXXX and this office responded by way of letter dated XXXX XXXX. On XXXX XXXX, 2015, this office received correspondence from your wife indicating that the debt was still disputed as it was believed some payments you had sent to XXXX XXXX XXXX were not properly credited to your account. This office responded by way of letter dated XXXX XXXX and invited you to bring to our attention specific payments which you believe had not been credited to your account. Thereafter, your wife responded with a ledger showing payments made directly to our client and a letter indicating she still did not believe the debt was verified. This office sent you a third response on XXXX XXXX, 2015 advising that information sufficient to verify the debt had been provided. Moreover, upon review, it appears your account was already credited with the XXXX payments totaling {$65.00} that you have made since the time the account had been placed with this office. A balance of {$1000.00} is currently due. As to the inquiry made on your credit bureau, on account of this firm 's representation of XXXX XXXX XXXX, such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. If you desire to voluntarily pay this matter without judicial intervention, you may contact Attorney XXXX XXXX XXXX at XXXX ext XXXX. 

Please review the above they are all over the map on this based on there response I do not have an account with there client my spouse does and that matter is being Address under separate cover. Case in point Can this Attorney product a document or contract Sign by ME? if not no verification of debt no standing and this is just disregard for the above mention law. as stated in there response " such a credit inquiry is permissible pursuant to a legitimate business need as promulgated by section XXXX of the Fair Credit Reporting Act ( FCRA ) [ 15 USC sec. 1681b ]. Please do not threaten ligation if you do not have standing under the law. in addition Phone call to your office will not preserve my rights under the US code that regulates there company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have not opened an account with XXXX XXXX XXXX.I am not aware of any of the activity on the credit card. It does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has called me numerous times. Today, they called me at work and wouldn't even tell me what they were calling about so I hung up. I then called them back and they referred to some credit card ( Visa ) that was opened in 2008 and they said I owed over {$3000.00}. I am not even aware of a credit card or bill that I owe from that far back. The lady on the other line typed in my information when I said I wa n't paying it because I am unaware of that bill. 

There number is XXXX. I asked them to please stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
bank of america is refusing to acknowledge my authorized third party and refusing to provide me with the documents requested in the information request and refusing to fix the errors mentioned in the notice of errors. bank of america is charging more on the payoff than the final judgment.

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 2015-09-04
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
on XXXX/XXXX/2015 I checked my account balance to obtain what I had available. My available balance was {$300.00} I withdraw {$200.00} which left me a remaining balance of {$100.00}. I logged onto pnc.com website to obtain my balance and it stated that I only had {$15.00} out {$100.00}. PNC charged {$81.00} for a unknown fee and when I called to speak with a rep he was unable to specify what was the fee for. I have direct deposit and a total of {$3000.00} deposit from my employer XXXX and child support combine together and PNC NEVER charged me a sevice fee. I asked to speak with a manager since the Representative was unable to assist me. I was on hold for XXXX and no one came to the phone. I 'm disputing those XXXX charges of {$81.00} and {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX njXXXX XXXX. sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied for a private loan to attend XXXX XXXX College. Started school XX/XX/2016 and tbe school closed down on XX/XX/XXXX. We showed up Monday XX/XX/2016 to find notices on the door. My lender kept giving me the run around on discharging my loans stating the school would find a teach out program. I have attempted to call several times. I have also been told please call at a later time as they are gathering concrete information from XXXX XXXX XXXX of XXXX XXXX TX. I was also advised XXXX actual lender was waiting to hear if we were offered a teach out. The teach out is through a University and they are not dealing with any private lenders. I feel this is unfair that we have to pay for a loan that we did not het an education ln due to school closure. 
I have this private loan with UAS loans for {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone. 
I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
American Express who I had direct deposit from XXXX XXXX has breached SEC rules and regulation. They have stolen money from my account and transferred it to an employee or another account. It was not there money to do so and the XXXX found out that employee assisted with this unauthorized transaction .I am desire all of my money back not just the XXXX back but all XXXX which was deposited because of the harassment and lack of integrity in which this corporation has none. I have had to wait which has caused other payments to be delayed since I am no longer working for a company that takes insurance policies and breaches security when it comes to paying your salary in this form. Please resolve this right away so I can legally pay my bills and hire representation to sue both this organization and employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I logged onto Midland Credit 's website to make payment arrangements. After logging in and choosing my payment plan it says that a payment MUST be made today to be able to take advantage of this offer. Wanted a credit card or checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.

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 2020-09-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-08-18
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to remove a debt that wasnt signed for with Jefferson capital systems in the amount of {$660.00}. I have asked for my wet signature and they only return with verified debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XX/XX/XXXX, I was switching auto insurance companies. I had cancelled my insurance with XXXX, however they ran an unauthorized charge on my checking account. This thus led me to incur overdraft fees. After contacting US Bank, they explained to me that they would remove the charge and fees if XXXX reversed the charge. I called XXXX XXXX and asked them to reverse the charge, they stated they were n't able to do it electronically, but could issue a check. I called US Bank to confirm this was ok, the CSR stated it was fine, I would have to deposit the check into my US Bank account. After receiving the check, I deposited it immediately and called US Bank right after. The CSR I spoke to, stated they would reimburse the fees. A month or so later, I get a letter from US Bank stating my account was closed for having a negative balance, and that it was referred to collections. I called US Bank, and the manager I spoke to, his name was XXXX, stated they could n't do anything since the account was transferred to the collections agency and that I would have to speak to them. I explained to him that the charge was unauthorized, and that the payment had been returned. Again, he stated US Bank could not help me any longer. This is irritating because I am being hit with fees for a charge I did not authorize, and now my credit is in jeopardy.

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 2022-08-18
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: U.S. BANCORP
State: NC
Product: Credit card
Issue: Sale of account

Complaint:
My Fidelity Rewards Credit Card account was sold to Elan Financial. Neither XXXX ( who had managed the account ) nor Elan Financial notified me of the change in account status. They also failed to send me a new card and I only found out about the change because my old card stopped working at merchants. Wait time to connect with an Elan Financial representative was over 20 minutes, twice. It is lucky I caught it now because payment is coming due next week and would have gone to the old address ( and been denied ) rather than the new Elan Financial payment address. Elan claims to have sent a letter and new cards, and gave me a bit of runaround before agreeing to send new cards.

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 2020-01-17
Company: EQUIFAX, INC.
State: OH
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:
Hello I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed being that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I purchased a {$100.00} XXXX XXXX gift card in XXXX of XXXX. I put the card away and went to use it in XXXX of this year. The card is still brand new in the package and the associate at the register opened the card. This is when I found out the card had been used in XXXX of this year by someone with the last name XXXX out in California. I called XXXX XXXX and told them about this and they informed me to send in a fax to dispute this transaction. I faxed them on XXXX XXXX which showed the card in my possession. I faxed them again on XXXX XXXX from my job. I faxed them again on XXXX XXXX. I called them on today to find out what is going on with the resolution and was told that it was denied because it was outside of the time frame. I got really upset and disgusted when she told me to send in a letter of reconsideration because this happens all the time when someone buys a gift card or is given a gift card and go to use it and find out that it is empty. When she said it happens all the time is when I said to her why should send in a letter of reconsideration if you know this happens all the time. They know that I am in Georgia and that the transaction was done by someone without my name in California. I do n't know what to do at this point. It 's like I have just lost {$100.00} of my hard earned money.

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 2020-09-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have already filed a complaint # XXXX with cfpb about Wells Fargo home mortgage. I have received letters from three big VPs in WF with generic letters XXXX XXXX XXXX - Home Mortgage XXXX XXXX XXXX - Home Mortgage XXXX XXXX - Home Lending Basically stating we can't help you. 

Here was the issue one more time ...

I made the stupid and foolish mistake of taking covid relief option for the home mortgage loan for 3 months ( XXXX, XXXX and XX/XX/2020 ). My loan # XXXX before the arrangement was {$170000.00} now it changed to {$180000.00}. Plus instead of differing me for 3 months they differed me for 4 months even though I informed them that three months all I needed. I made the payment for XX/XX/2020. But WF didn't help.

Worse of all and not knowing that WF reports on monthly basis all customers banking activities to consumer credit reporting agencies. Although, I was assured by the government that going on deferment with your bank will not impact my credit report negatively nor any information will be shared. It was opposite of all. My credit report was negatively impacted as WF reported my differements and was DENIED refinance mortgage loan. Currently, WF charging me haffty 4.25 % interest while I can get under 3 % a new mortgage loan. I have been a 25 plus years customer of WF and they treated my like XXXX. 

WF is a very large and greedy organization. Their leaders don't know what's happening to their customers. I am disappointed on their response, services, lying on my credit report and failing to address or fix my issues.

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