BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America keeps charging my account for maintenance fees the moment my account balance drops then they charge me for an overdraft fee because I didnt have enough in the account for maintenance fees. This has been going on since I opened the account in 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 recently checked my credit report and was surprised to see that I have been a victim of identity theft. There are several accounts on my report that were not opened by me. This has been hurting my credit score, and I'm in the process of buying a home for me and my wife. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-07-17
Company: Cawley & Bergmann, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am opening another complaint again Cawley & Bergmann , LLC. My previous complaint ( Complaint ID XXXX ) was " resolved '' when Cawley and Bergmann uploaded a letter intended for a different person for a completely separate complaint. I am not surprised to find that they have multiple complaints against them, and this further proves their lack of professionalism and follow through to make sure they are dealing with the correct person. Back between the years of XXXX my name was used in an online Ponzi  scheme called XXXX XXXX  XXXX In XXXX  I received a letter from a debt collection agency Cawley and Bergmann LLC supposedly to collect a court ruled fine. They only ever contacted me by mail. I continued to receive letters periodically. They showed up in different envelopes, printed differently, and different looking letterheads. They did not look official or professional in any way. The letters talked about my involvement in a Ponzi scheme I had never heard of, and a court case I had also never heard of nor been subpoenaed for. To date I have never received any court documents of any kind proving my involvement. I assumed the letters were a scam. At the end of XXXX of this year I received a letter from the local sheriff 's department stating that the above listed debt collector was using them to enforce the collection. I contacted Cawley and Bergmann and tried to get more information stating I was not involved and have not been shown any proof of the contrary. They told me to XXXX it and that they could not help me. When I suggested that someone else had used my name, they did not care that it was even a possibility. In May I received notification from my payroll department that the sheriff is enforcing a garnishment of my wages to pay for this debt that is not mine. I have recently filed an identity theft claim ( reference # XXXX ) and now a second complaint with the Consumer Financial Protection Bureau. I have never been provided any proof of my involvement other than my name listed in a PDF on a random website. Someone either used my name to create an account on this XXXX  XXXX  website, or it is possible this was something done by my late father with whom I share my name. Either way I should not be forced to pay for this court fine. I am also continuing to seek legal advice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a best buy credit card. My payment was suppose to be XXXX which i was fine with. When i went in to pay my bill it stated it was XXXX. I did not makr a payment as i didn't have that much. Now its at XXXX i can not pay that much. Im on XXXX  and work a part time job. I feel that they let me get this far as a high risk person and now i cant dig myself out. I asked if they could put payments back at XXXX a month as i can make that payment. I was out of work for 2 weeks i called and asked what could be done and was told nothing could be done. Its hard to speak with ppl who speak broken XXXX. Which frustrates me and then they get mad and end the call. I cant help it if my XXXX  takes over in this situation. So im asking that my payments can go back to XXXX a month. U can keep my privileges suspended. So im asking for this a normal payment of XXXX. Thank u

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 2023-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was a subject of identity theft in XXXX Credit report has a debt of XXXX from quality recovery service I had reported my identity stolen in XXXX hey

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lived in an Apartment Complex from XX/XX/XXXX XX/XX/XXXX. Upon moving out, there was a question on what was owed for damages ( which at the time was {$1100.00} and now is owned by Sentry Credit ). The complex apartment is called XXXX XXXX  located in XXXX XXXXXXXX XXXX I formally disputed the original amount dated back on XX/XX/XXXX. Part of the debate with the apartment complex was that they had ignored our signed agreement stating that I would be provided with a pre move out inspection, which I did not receive. Included in the dispute was a charge for a key FOB that I had already returned to the office on XX/XX/XXXX, and a painting service invoice that was charged before I had moved out and turned in my keys. Also, I had seen two final move-out inspections reported to my resident portal on XX/XX/XXXX and XX/XX/XXXX, both included the same invoice but showed two different amounts as charged. I contacted XXXX XXXX  regarding this and never received a response. 

I have contacted XXXX XXXX  multiple times ( promptly on XXXX ) regarding the inaccurate charges, inconsistent bills and two questionable final move-out inspections. With these discrepancies, the adjusted balance totaled {$770.00}, which I had originally agreed to pay for what was correctly charged. This too was formally documented and explained to XXXX. After not hearing anything from them, it was presumed that my security deposit, of {$1100.00}, was kept tocover the full balance. 

It wasnt until XX/XX/XXXX, after I pulled my own credit report, when I found a significant drop to my credit score, from XXXX to XXXX, due to an unknown collections company, Sentry Credit, reporting an open account, posted on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Sentry Credit and advised that I would not be paying until the debt is validated and I received information showing what it was that I truly owed since the original amount was never abandoned and was not rightfully to collect. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. Sentry Credit stated they would mail me the detailed ledger with an explanation. I have not received a response. I mailed a follow up letter to Sentry Credit  on XX/XX/XXXX via XXXX XXXX Mail with signature receipt required, and I have still not received a response. Also, I had reached out to XXXX XXXX  by phone on XX/XX/XXXX and by mail on XX/XX/XXXX to resolve this and I have not received a response from them too. 

At no time, from the time I officially turned in my keys on XX/XX/XXXX to this point, have I received any correspondence that a debt of {$1100.00}, from XXXX XXXX, was in collections by Sentry Credit. I was never notified I owed this debt and never received notification I could dispute or make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Orion Capital Solutions LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just received a phone call ( XX/XX/2023 at XXXXXXXX XXXX EST ) from a supposed debt collector where they asked for my location information and gave me a different number to call them back on. I have been getting these calls several times a week, always a different number, and I am getting tired of the harassment. The number they gave me to call is XXXX and the number that came across my caller ID is XXXX and is listed as XXXX XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kay Jewelers Credit CardXXXX XXXX ( Fraudulent Fees and Charges ) I made payments to Kay Jewelers via my banks online banking system. Several payments went through fine no issues. 
XXXXPayment made via online bill pay to Kay. As of XX/XX/XXXX, they do NOT show payment received, charge late fee of {$30.00} Bank verifies that it was sent on XX/XX/XXXX and that the issue was on Kay 's end. I call Kay and get the complete runaround. After calling my bank again, the decision is made to cancel that payment, so that I can make a DIRECT payment via Kay 's website. So the currently lost payment sent on XX/XX/XXXX and a payment that was sent XXXX/XXXX were both cancelled. This same day I paid off this card completely in FULL on the website and closed my account. 

XXXX, I see that Kay has charged me {$71.00} to return the cancelled payments? The payments were never processed as they were cancelled by my bank. My account is paid in full and closed? These exorbitant fees are a fraudulent scam on users of this account. I have contacted XXXX and yet again given the runaround about these ridiculous fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Sezzle Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Numerous emails from XXXX XXXX a collection agency with credit merchant SEZZLE. 
I receive emails every two days with different amount ( s ) in the email. 
The Sezzle account is closed. 
XXXX XXXX will not let me correspondence with SEZZLE nor let me see an accurate balance owed to the merchant. 
The harassment of emails need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Credit Karma, LLC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ive been trying to get credit karma help me have acess to my acct of over 6 months rep msays everything looks good but its not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 writing to file a formal complaint against Transunion LLC Consumer Dispute Center regarding inaccurate reporting on my credit file. Despite providing evidence of the bankruptcy inclusion and discharge, TransUnion continues to report the account XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX as derogatory, misleading creditors and affecting my creditworthiness. 

Details : Account XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX included in bankruptcy discharged on XX/XX/XXXX. 
Formal dispute letter sent to Transunion XX/XX/XXXX along with supporting documentation. 

Requested Resolution : - Prompt investigation and correction of the account status to " Included in Bankruptcy '' or a similar designation. 
- Removal of any negative remarks associated with the account. 
- Written confirmation of the investigation and resolution. 

I believe this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of the dispute letter and supporting documents for your reference. 

Please review this complaint and facilitate a timely resolution to ensure the accuracy of my credit report. 

Thank you for your assistance in addressing this matter.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$68000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts COLLECTION ( Date Opened : XXXX XXXX, XXXX, Balance : {$4600.00} COLLECTION ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureau-XXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. TransUnion has not updated the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}

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