BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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:
Equifax has been putting me through emotional distress i had fraudulent accounts on my report they deleted it and put it back on my credit report. This is causing me a lot of problems. Its against the law to delete an account and place it back on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: NJ
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:
XXXX, XXXX  and Equifax are reporting false information. 

The accounts that are open by FRAUD a XXXX XXXX XXXXXXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on Equifax XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX bank XXXX with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

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 2019-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed a collection on XX/XX/2019. It still say pending. It has been removed from XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: F.H. Cann & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The current collection agency constantly sends me letters and doesn't own the debt and therefore has no authority to hound me with calls and letters on this debt. 

I don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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:
After reviewing my credit report, I found numerous accounts listed that are NOT related to any transactions made by me. This was a result of malpractice or an error.

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 2019-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
they have called and called, 20 times a day and i have no idea who charged up the card in my name

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 2019-05-20
Company: Atlantic Recovery Solutions LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a voice mail from XXXX phone number XXXX where it implied that further measures would be taken. Verification of employment implies that possible lawsuit and garnishment would happen. I believe this practice is abusive and should not be done as such.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CORELOGIC INC
State: NJ
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:
Last year, we were looking for apartments and homes and several realtors requested my credit score or looked it up. However, I do not recognize any of the inquiring companies, and it seems odd one of them is located in California while I live in New Jersey. The company info is as follows : Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX The inquiry is from XX/XX/2017. 

XXXX XXXX made two inquiries, one on XX/XX/2017, and the other on XX/XX/2017. Their information is below : XXXX, PA XXXX ( XXXX ) XXXX-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 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.

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 2018-03-15
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I applied for a XXXX Credit Card. 

I never received the Credit Card. 

On XX/XX/XXXX I received a call from XXXX that i had an amount not paid in a XXXX credit Card. for US {$58.00}. I informed them I never received any Credit Card and I didnt have any amount pending to Pay. 

On XX/XX/XXXX my XXXX-XXXX XXXX XXXX XXXX informed that an EQUIFAX CREDIT REPORT has shoing an unpaid amount to XXXX  for US {$140.00} in a XXXX Credit Card I called XXXX and explained the issue that I never received The Credit Card that I applied for. They verified in their records that the credit card was Sent to a rong address and a fraudulent amount for US {$58.00} as charged. They fixed the issue. 
However the Equifax credit report still shos and XXXX unpaid amount. of US {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims I owe XXXX XXXXXXXX XXXX XXXX {$1800.00} from XX/XX/XXXX. I have NEVER had such account. I sent papers asking them to verify. They did not. They filed a civil case against me ( XXXX ) XX/XX/XXXX. I again answered that asking for verification. They sent only my name and address back. Had a bench trial XX/XX/XXXX - XXXX - XXXX county court house - Judge XXXX - Judge asked lawyer ( Atty XXXX ) for XXXX XXXX XXXX to verify. They could NOT. CASE WAS DISMISSED. I have, on numerous times, contacted XXXX XXXX XXXX - C/O Resurgent capital services - XXXX XXXX XXXX - XXXX, SC XXXX - ( XXXX ) XXXX, asking them to REMOVE the collection from my credit report. I have contacted XXXX and XXXX also several times and disputed the collection. I CAN NOT GET IT REMOVED FROM MY CREDIT REPORT. This is not my account and I should not have it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 i sent a debt validation letter to National Credit Adjusters and they received it by XX/XX/2020 via certified mail. I did give them 30 days to respond and didn't receive a written response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' Equifax Inc. maintained improper security practices with sensitive consumer data. Signing up with " Equifaxsecurity2017.com '' further compromises consumers by requiring them to waive their right to legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX Account was never past due, I never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I TALKED TO EXPERIAN ... XXXX ..XXXX.. 
THAT IN MY SUMMERY REPORT HAS OLD 8 YRS. 2MO ... .AND 7 YRS. 6MO.

2 YRS. THAT IS NOT MINE .I NEVER HAD ANY LOANS. THES ARE OLD. THEY NEED TO COME OFF AND DELETED OFF MY CREDIT REPORT. I HAD IDENITY THEFT.. ALREADY BEEN REPORTED TO THE POLICE DEPT. FILED WITH FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been a victim of identity theft, these accounts do not belong to me. 
See Attachment.

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 2020-05-02
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
i filed for unemployment on XXXX and i never received a card or my unemployment benefits.

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 2020-01-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunday XX/XX/2020 Midland credit called me 3 times Saturday XX/XX/2020 they called me 2 times Friday XX/XX/2020 they called me 3 times. They have consistently called me average of three times a day for the last three weeks. No breaks on weekends either. They call morning midday and night. I am attaching the called that i declined but i answered the others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had an existing credit card with Capital One. We agreed to a repayment plan. The debt was charged off by capital one in 2015. Capital One continues to report this as a recent bad debt. The debt has been renegotiated and I have made payments on time every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Incomm Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had purchased this card almost a week ago I have been on hold out of all this time Ive called 10 hours total. there website does not function correctly so I cant use that. And my emails have done nothing they are basically holding my money hostage. Its a my vanilla card So I have been unable to set it up do to there flawed system

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ever since I hired an attorney to defend my foreclosure case, my servicer, Wells Fargo, has sent *all* correspondence to my attorney, including escrow disclosures, monthly statements, and correspondence about my account. I have not asked Wells Fargo to send this correspondence to my attorney. In fact, my attorney asked Wells Fargo 's attorney to make sure this correspondence is sent directly to me. I would like Wells Fargo to send all of its correspondence 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 2020-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED NINE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today my wife received a call from this number - XXXX ext - XXXX regarding a credit card I had with XXXX. The company XXXX XXXX XXXX then proceeded to tell my wife about my personal and private business. The individual who called her XXXX, told her he was a debt collector and then proceeded to tell her why he was calling about a debt I have. I never authorized anyone to call her. I never gave her number to this place. So he not only obtained her number without permission, but also broke the law and gave out personal information regarding said debt which they were never authorized to do. I only found out because my wife came home and told me. Plus she also said this XXXX XXXX was very mean, could barely understand a word he said and was demanding, all this while she was at work and explained she was. So last time I checked they violated the FDCPA which is supposed to stop this kind of activity. Therefore why I am filing a complaint and want action taken on them. How they got her number and then proceeded to give out my personal information just broke two laws last time I checked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: BFS Capital Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XX/XX/XXXX I was laid off my job and I lost everything from my car, to my house. I called into XXXX XXXX explain this issue. XXXX XXXX claim to have been understanding but still demanded payment when it was due. I struggled all year to get on my feet. I am a single mother and its not easy to lose everything and have kids you have to still feed, house and clothed. I started a part time job and gave what I can just to pay my credit line on time while trying to get back on my feet but it was until XX/XX/XXXX, I found a fulltime job and was actually on my feet. 

I have reach out to XXXX XXXX in XX/XX/XXXX to see if out of goodwill they would be kind to remove the late payments on my credit report due to my hardships and they stated they cant and that they will place a disagreement code on my credit report. I have been with this company for 3 years now. It just shocks me that they are not understanding of serious situations their customers endures at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the balance showing on the following credit cards are months out of date and incorrect because the balance has been paid in full Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
purchased tickets from individual through XXXX  for a sporting event. contacted individual through text message which I have everything saved including screenshot of XXXX post. used XXXX from my bank of America app to send {$120.00} to individual. after sending money I never heard anything back from individual and never received my tickets. I contacted bank of America and they could not do anything but submit a ticket and stated there was not much that could be done. i had alot of questions but they were not answered by bank of America. I trusted that if i was sending money through XXXX  which is on my bank of America app i would be protected from something like this happening but as i already see there is not much help for me at all. I also made a police report for the incident.

bank of America case # XXXX police report reference # 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 2018-06-14
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute this item from my credit file multiple times with no susses. i do not recognize this debt. and would like it removed-

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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
this was paid off and closed XXXX is reporting incorrectly on aall my 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