BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: DataMax Corporation
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a debt collection item on my  XXXX  credit reports for an unpaid utility bill that I never opened.  XXXX   XXXX   XXXX , a  utility  company in   XXXX   XXXX    seems to believe that I opened an account in  XXXX . I enlisted in the  XXXX  in  XXXX , and have not lived in   XXXX   XXXX   since then. I am currently stationed in  XXXX , and wad previously in  XXXX . I 've also resided in military housing ( ie. barracks ) since  XXXX , where I have no rent or utilities. Furthermore, I was  XXXX  in  XXXX . In short, I had absolutely  zero  reason to open a utility account with  XXXX  or anyone else. It was not me who opened this account. If someone used my information, they did not have my permission. I have filed disputes with the  XXXX  credit bureaus. Thus far,   XXXX   is the only one to have competed their " investigation ''. They have decided to keep this fraudulent negative information on my credit report. How can I get the collection agency and the utility company to remove this false report from my credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted  XXXX   XXXX  after noticing that this alleged account was removed  THREE  TIMES in  XXXX  - specifically  XXXX   XXXX  and  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . This collection agency has reinserted themselves back as Credit Bureau  of Lancaster,  to which I never got the 5 day notice &amp; this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because  XXXX   Hospital  does not have these records, and was referred to contact  XXXX   XXXX   XXXX  who handled some old accounts according to  XXXX  Hospital, they too have no records. Today,  XXXX / XXXX / XXXX  - I called  XXXX  today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.

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 2021-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
On XXXX XXXX 2021 I had a fraudulent charge on my debit card through Bank of America for an approximate amount of {$1400.00} which took place in Nevada. The company that took the money out of my account without my authorization/permission is called XXXX XXXX . I had contacted the bank numerous times and not a single person helped. I did file a dispute and they told me I made the charge and there was nothing they could do. I do not and have never traveled to Nevada as I live in Michigan. Bank of America has never shown proof nor documents stating that I purchased this ticket and will not refund me my 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 2022-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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: Information belongs to someone else

Complaint:
I have been the victim of ongoing and troubling ID THEFT. I have several incorrect items reporting on my Equifax credit report. My address needs to be corrected as well as the fraud items need to be removed. Police report on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ATG Credit, LLC
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX is attempting to get money from money that have never dealt or owed them money. I confiemed they are scammers over the phone and they literally blocked my number!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2021-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft, someone made transactions from my chase card that wasnt me, and I had my account closed due to debt that shouldnt be on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I have dispute d my Capital One ac count many times and as of today 's date they are still reporting beyond the 7 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 7years. I have requested payment history but they have not been able to produce it. This account was opened in  XXXX  and has had missed payments starting in  XXXX   XXXX . I was able to obtain this information from their collections team. I am requesting this account be deleted from from Experian credit file per FCRA rules. Per   XXXX    website Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion is reporting a collection that another collection company was reporting. I t was removed as the account in question was the result of an accident. This was for the ambulance ride for me to the hospital. Under the state of Florida insurance I had PIP insurance in place for up to {$10000.00} of medical bills ... the company failed to bill it..I can not be reimbursed if I pay ... they must bill the insurance directly..I have explained this to the collection company and they do not care..it is a Florida law that they provider bill the PIP insurance ... I disputed this same information when it was reported by another company..now this company is reporting he same info ... .How do I get them to remove this false/incorrect information? I have disputed this multiple times - each time trying to give more detailed information ..each time they say verified ... how is it verified ... I also never signed anything guaranteeing payment ... this is th e Fire Dept  ambulance service..they should bill properly. Also, ... now Transunion-since disputing this has made it impossible for me to access my credit info online..forcing me to do it by telephone and mail-making it very difficult to get anything accomplished

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 2017-10-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX used XXXX XXXX to push out a forebearance on my loan where I did n't have to pay back, as a " courtesy '' for 3 months. They did this automatically without opt-in. 

On it 's own, that is just a minor annoyance. They then removed the autodraft that was in my account and responsible for automatically paying my loan every month. So, when the 3 months is up and if by chance I had n't seen their by-mail notice ( which could be worse if we were n't able to get mail in a relative amount of time XXXX, I would face a non-payment penalty. 

On top of all of this, they do not allow you to add your AutoDraft back online -- you have to call them in order to re-instate it ( for something I never asked for to begin with ). 

This is, undoubtedly, taking advantage of people with other things on their mind like getting their homes back to normal after a damaging category 5 hurricane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I purchased product from a handbag merchant called XXXX and used my American Express Card going through XXXX for {$180.00}. I never received my purchase. I filed a dispute with American Express, they withheld payment. The merchant finally mailed my product so I closed the dispute and American Express advised they would chargeback. I contacted XXXX who adv they are waiting for the chargeback information from American Express. When I contact American Express they advised they have completed the chargeback, but the many XXXX Representatives I have spoken with advised there is no communication from American Express. I have placed numerous calls to American Express and XXXX, but continue to get the runaround. I wound up paying XXXX {$180.00}, since I did receive the product. I need the XXXXAmex to be rectified so XXXX can credit the original charge. This has been going on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: MI
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 disputed inaccurate information multiple times with XXXX, Equifax XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 never had an account with XXXX. Account number XXXX. I have made numerous contacts to both credit card company and credit bureaus.

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

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 2019-12-16
Company: Experian Information Solutions Inc.
State: MD
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}

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 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}

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 explanation
Consumer complaint received 2021-12-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a savings account at HSBC bank with a little over {$1000.00} in it. The company closed my account and took my money. Theyre saying my account now has a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means floor and decor, I do not even own a home, this is utterly and completely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My fiend asked me to deposit his cashiers check from XXXX bank into my account since he didnt have an account of his own. I mistakenly did so and gave him the funds in the amount of {$2100.00}. The next day I was notified by Wells Fargo that the check bounced as it was a fake check. Now the friend will not pay me back and nobody from XXXX will even talk to me about this as they refer me to XXXX and XXXX just refers me back to XXXX. I have had no success in reaching either institution. My friend is ignoring my calls, texts and messages asking for payment of the money he fraudulently had me deposit into my account which bounced and now I owe the bank {$2100.00} but XXXX cant afford 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 2022-02-19
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original judgement 2014 bought from XXXX by Glasser & Glasser. Garnishments initiated. Continues to re-initiate garnishments during that time making payments made irrelevant. Example : amount owed $ XXXX made $ XXXX re-initiation of garnishments {$7100.00} attorney, {$590.00} judgement, {$93.00} garnishment. The newest garnishment filing is amount due $ XXXX payments made $ XXXX {$680.00} judgment/ {$7100.00} attorney/ {$93.00} garnishment. We are getting garnished {$800.00} a month and the money doesnt even go to paying off the judgment and it never will, it only covers everytime the have to re-apply for garnishment. We have paid well over the amount of the loan at this point. We tried to negotiate a settlement with them and was refinancing our house to get the money but when they found out we were refinancing they would no longer accept the negotiated amount of {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to 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 2021-12-11
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Notice and Demand for Payment Notice to Agent is notice to principle. Notice to principle is notice to agent. This Notice and Demand for Payment is to recoup the exact value of the illegally collected debt in the amount of {$4900.00}, interest rate is set at 24.99 %, as of the date of this notice currently on the Social Security # XXXX personal credit reports. A Notice of XXXX will be placed against the property of the corporations and persons involved with the illegal collection of this debt. 30 days from receipt of this notice will be allowed for cure. Prior settlement offers are null and void. 

It is accepted that Creditor, by not validating the alleged debt, are the illegal collectors of this debt and that their assets and the assets of the employees, owners and partners of these corporations are severally, individually and personally liable for this amount in this Notice and Demand for Payment. Though validation of the debt was attempted through mail, no validation occurred and the debt is now being collected illegally. 

This injury and harm to the person will be offset in the exact amount illegally collected as compensatory damages. To get a Satisfaction of XXXX and dismissal of current and future court actions, simply mark the credit reports of the Client person as paid in full and on time. 

Revelation 9:11 ( KJV ) 11 And they had a king over them, which is the angel of the bottomless pit, whose name in the Hebrew tongue is Abaddon, but in the Greek tongue hath his name Apollyon.

Psalm 23:4 ( KJV ) 4 Yea, though I walk through the valley of the shadow of death, I will fear no evil : for thou art with me ; thy rod and thy staff they comfort me. 

By : XXXX XXXX

Company response to consumer: Closed with explanation