BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX  XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2023-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
I requested a copy of my credit report and I noticed that I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters last XX/XX/XXXX and XX/XX/2022 and received no response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2022-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from debt collectors Portfolio Recovery Associates , LLC , Inc. in the mail advising that I have options for an alleged account. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Portfolio Recovery or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Portfolio Recovery Associates , LLC. I have yet to witness a " wet ink '' signature between myself and Portfolio Recovery Associates , LLC. nor have I ever received a True Bill in commerce in regards to this account. Portfolio Recovery has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent {$930.00} using Zelle through XXXX. to XXXX XXXX XXXX for XXXX tickets. His email XXXX. I contacted XXXX XXXX afterwards to report scam & request info I could contact him or his bank. I received screen prints from their trace with all the pertinent information eradicated. I went into my local branch and no, they could not give me any of his info for his privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Equifax : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with XXXX, XXXX XXXX XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I reached out to XXXX to dispute some fraudulent active on my credit report. There are XXXX hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in a XXXX XXXX Bankruptcy that was filed on XX/XX/2022. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: ENCORE CAPITAL GROUP INC.
State: KY
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 recently noticed 2 collection accounts from midland funding appearing on my credit report one for {$1900.00} and another for {$1500.00} with XXXX  XXXX as the original creditors that I never received any written notification for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are XXXX closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX XXXX was started in a state I dont even live in XXXX  XXXX XXXX not sure how it was verified as me. The XXXX account is closed and needs to be 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: TN
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:
Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from Experian, XXXX, and XXXX. I have not heard anything back from these XXXX XXXX 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as XXXX hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had XXXX hard inquiries. 

From my calculation it suppose to be only XXXX inquiries not XXXX. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete 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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I log into TransUnion site, go to freeze/unfreeze and get an error that says : XXXX The TransUnion Credit Freeze Service is temporarily unavailable. 

It's been this way for several months. I called as asked why and they didn't know and didn't help. 

I also can not retrieve a credit report from the site. Says there should be a free report once per day and it gave me an error when I tried to request it.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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 sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED 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 2022-09-25
Company: CAVALRY INVESTMENTS, LLC
State: NJ
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:
My complaint is actually with the Company reporting my credit to the 3 credit agencies. Back in XXXX I had a problem with my XXXX  Credit card, They had a charge of {$740.00} on my card that I did not make. I went back and forth with XXXX many times about this and finally sent them the bill back telling them I refuse to pay the balance until they provide a receipt of what I have purchased. I than had a XXXX XXXX that was removed in XXXX and this was forgotten about. I recently studied my credit report and it appears Calvary Portfolio Services took over this bill. I disputed it with the 3 reporting agencies looking for proof of what I had purchased. Calvary sent me a copy of the same bill I have been receiving from XXXX with NO explanation still on what was purchased. I have attached my copy of what I sent XXXX in XXXX and a letter to Calvary. If they are not able to show what I purchased then this should be removed from my credit report. They also said my account is " Now subjected to resumption of collection efforts '' I'm not sure what that means but it sounds like punishment for a complaint. My Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was asked by the person to send money via XXXX to his landlord for the rent. He promised to return me money within 2 weeks. it happened on XX/XX/2022. As of now I did not get money back. this landlord refused to give me money back, his XXXX  account probably was blocked, the person who asked me also disappeared. his phone was disconnected. so, I was scammed. I requested my bank Chase investigate it, they opened the claim, but refused to send me money back. Please do an investigation. the person I sent money was XXXX XXXX, email XXXX. the person asked me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the problem is with a debt from a vacation club membership in 2019 in the state of south carolina they offered me a vacation timeshare. that I was going to buy but I couldn't do it anymore and I canceled the purchase even though I lost some payments that I made. but after XXXX years I receive a letter from some debt collectors, who tell me that I have to pay for the use of a credit card to make the advance payment for that membership, with a card that I have never had or with an account of credit that I never requested to make that payment, they sued me, for that reason I responded, to the demand and even so they took me to court and even though I explained the situation in court, the judge agrees with the collectors not because they have reason, if not because I supposedly did not file an affidavit, and now they send me a letter threatening me that if I do not contact them they will open a lawsuit to charge me, and it is that I do not understand why they want me to pay for the use of an account or a credit card that I do not have or authorize and that apart from that I do not receive anything for the payment of that amount that they want me to pay, I would not even receive the membership that I do not want or wish to buy and, apart from that, they take me to court in the state of North Carolina where I do not That purchase was made, my XXXX is not very good so I would like you to guide me on what I can do to be able to face and resolve this because it seems unfair to me that they want me to pay them a loan that I did not request and that I did not sign any document with the people who want to charge me and apart from paying them for nothing because I do not receive any benefits for paying that money that I did not request or use

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The PNC closed my account and sent a bank statement saying I have XXXX but still have not paid it but keep promising it daily. 
Could you get me my check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-25
Company: Aspen Properties Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 Aspen Properties Group LLC notified me that they will modify my mortgage. Aspen however conducted a foreclosure sale of my home on XX/XX/2022. I was under the belief that Dual Tracking was illegal. I worked diligently with Aspen to get a loan modification and supplied all the required information that Aspen requested but was blindsided when my home was sold. I am still in possession of my home but was notified that there is a new owner of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BARCLAYS BANK DELAWARE
State: MN
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:
This is about Barclay bank XXXX XXXX XXXX XXXX XXXX de, XXXX. I canceled a credit card I had with them on XXXX XXXX. Balance was XXXX XX/XX/XXXX they sent me an email saying I owed XXXX. I called rep said a charge was put on the card for XXXX on XX/XX/XXXX. the other charges were late fees. I asked why I didn't receive a statement/bill in XXXX and I would have paid it. Couldn't get no answer. I asked for and never did receive a statement. I didn't know I owed this even. The phone number on the email was XXXX, the phone number I looked up and called because I thought the email was a scam was XXXX. This rep told me it wasn't a scam. Another number XXXX XXXX XXXX came up Barclays bank called my home 6 times a day 6 days a week, if I answered they never said anything so I stopped answering. What I thin happened was they did a 6 month audit, found the charge and sent me an email saying I owed this money trying to get me to pay 6 months back late fees that I should not have had to pay. The last email I got said if I didn't pay XXXX by XX/XX/XXXX they were going to charge off the account to a collection agency and try to have them get me to pay. I didn't want my credit hurt any more so I paid it in full XX/XX/XXXX, I feel XXXX was stolen from me and I should have only had to pay XXXX if I owed that and if i would have received a statement in XX/XX/XXXX i would have paid it. I think Barclays bank has a very poor way of treating customers and doing business.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.

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 2022-07-29
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My mortgage loan was paid off in XXXX of 2022, during this time, my wife and I were going through a XXXX and I contacted Huntington regarding the rebate for our escrow account and they assured my that the check would be made payable to both of us and we would both have to sign. After several months of not hearing anything about the check, I contacted Huntington again and they assured me that the check could not be cashed unless I signed it and since they showed it was mailed out, they would put a stop on the check and reissue it within 30 days. I then was contacted that the check was cashed and I asked for a copy of the check front and back to see how it was cashed since I never signed it, they told me at that time they would send me a copy within 30 days and at that time I could contact their fraud department and file a claim against the bank that cashed it. I then received a copy of the check that was cashed and dated XX/XX/2022 and a letter saying to contact them with any questions ( was never sent the back of the check ) when I contacted them, they said it could be deposited into an account with Huntington as long as we were both on the account which I do not have a joint account with my ex wife and I feel that Huntington needs to reimburse me for 1/2 of the check amount at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
to whom it may concern, the following account was charged off. LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.

Company response to consumer: Closed with explanation