BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
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: Problem with personal statement of dispute

Complaint:
I submitted a dispute with Equifax regarding inaccurate information on my credit report. The third letter written to them asked them to provide the name of the person they verified the account with at the original creditor. They have failed to respond with that information and marked the account ( s ) as verified. Equifax continues to report inaccurate information. I would like to file a complaint with this agency to look into before taking further action.

I have several inquiries on my report and I submitted letters from the agency that checked my credit without authorization and Equifax refuses to remove the inquire even with proof. This is a violation and needs to be handled ASAP. Thank you in advance. If your agency is unable to handle this complaint please notify me so I can escalate the investigation. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: PA
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:
I Was Effected By Covid 19 I Lost My Job I Had No Help From 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 2017-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Wells Fargo Bank checking acct XXXX & XXXX. These accounts are reported to be open on XXXX/XXXX/2013 and closed on XXXX/XXXX/2013. closed for Caused-Purged which is showing negative on my XXXX account. These accounts where never funded by me I never recived any checks are bank cards these accounts was opened and at one time I was on XXXX so they closed the accounts. But this bank should not be reporting anything negative regarding these two accounts because I never used these accounts. These need to be removed off my file

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 2020-10-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My wife and I both opened checking accounts with US Bank in response to a promotion they had on their website. The promotion appeared on " usbank.com/openchecking '' but the page has since been removed. We opened the accounts and confirmed that we met all requirements. When I called the first time and asked when the {$300.00} welcome bonus would be deposited into our account, I was told that it was up to 90 days from opening the account and to check back later. The payment never posted. I called again and was told that it was 90 days from the final required direct deposit was made, and I should check back later. The payment still never posted. I contacted customer service again to ask why this was the case, considering I clicked the link directly on the website to open the account, had the promo code in place, and opened the account with no issues. I was assigned a person to help me, XXXX XXXX, who then relayed information between me and their " promotions team '' We have spoken three times on the phone ( originally I was told that this would be resolved in XXXX business days, but it has been 3 weeks since XXXX was assigned to the case ). XXXX recently left a voicemail stating that I was ineligible for the promotion since I did not receive a direct offer in the mail ... what? I signed up on the website with their promo code?? This seems like complete nonsense and I feel cheated out of {$300.00}. Same exact thing applies to the account that my wife opened up.

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 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My family has been getting very annoying letters and phone calls regarding  XXXX  different accounts from this company  Portfolio Recovery Associates. they  claim I owe them, money and they have contacted so many of my family members and sent out letters to  XXXX  different location where I do not even reside and I would like them to leave us all alone and remove their collections from my reports wirth the  XXXX  credit bureaus because these debts were never supposed to be help against me and I gad contacts both  XXXX   XXXX  and  XXXX   XXXX   XXXX  regarding them they understood when I told them my personal information was compromised. What right does this company have placing collections again me when I am a victim? And how are they allowed to send endless mail to my family members homes in  XXXX  and   XXXX   XXXX  . I live in the state of Nevada, this is all so wrong and I would like them to remove me from their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently reviewed my credit report for inaccuracies and I noticed a company called " Pro Collect '' reporting a debt to XXXX, XXXX XXXXnd XXXX on my credit report for {$760.00} on XXXX XXXX, XXXX. I did research on the company to make sure it was a legal company and they were legally able to collect debt. I searched the State of Texas XXXX website and their is no record of this company in their database to collect debt. I am not sure if this company is running a scam. According to the State of Texas this company is in violation and I would like for them to be removed from my credit report. 

FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.

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 2021-11-14
Company: DISCOVER BANK
State: CA
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 ordered a bed from XXXX and it never arrived to my house. I contacted XXXX and they told me the item was delivered, showing me delivery confirmation, but it was not delivered. They told me they would file claim with XXXX and I never heard from them. I then filed a dispute with my cc Discover and they did not want to help me. I have been with Discover 14 years and not once have I paid interest with them and rely on them to make secure transactions. Discover did not want to help me with this dispute. {$140.00}. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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, XXXX XXXX disputed inaccurate accounts with TRANSUNION per certified mail on XX/XX/XXXX TRANSUNION mailed back INVESTIGATION RESULTS AS VERIFIED on XX/XX/XXXX BUT ONCE AGAIN NO INDEPENDENT INVESTIGATION WAS COMPLETED AS TRANSUNION ONCE AGAIN CLAIMS ACCOUNTS AS VERIFIED BY PARROTING INFORMATION THEY RECEIVED FROM CREDITORS PROOF OF NO INDEPENDENT INVESTIGATION BEING DONE BY TRANSUNION CLEARLY SHOWS UP ON MY RECENT UPDATED CREDIT REPORTS, BECAUSE THE " DATE UPDATED '' DATES DID NOT CHANGE AND SHOWS A DATE FROM XXXX and XXXX, EVEN THOUGH I DISPUTED THESE ACCOUNTS LAST MONTH, A CLEAR SIGN OF NO INVESTIGATION AND A CLEAR VILOATION OF MY RIGHTS AS WELL AS HARMING ME FROM GETTING NEW EMPLOYMENT! 

THE FOLLOWING INACCURATE ACCOUNTS WERE NEVER UPDATED XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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 spoke with XXXX at Equifax on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be delete and removed off my Equifax credit report : XXXX XXXX XXXX '' late payment amount of {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: SUNTRUST BANKS, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
<P/>
So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.

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 2021-11-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I, XXXX XXXX, living human being/consumer, am submitting this on my own behalf. No third party is involved. Midland Credit Management failed to properly validate the debt pursuant to 15 USC 1692g sent on XX/XX/XXXX. They also failed to respond to my affidavit of truth, thus creating a fault. They committed FRAUD by collecting a debt not owed, and I have filled a complaint to the FTC for FRAUDULENT activities ( FTC Report Number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Capital Alliance Financial, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
garnishments started XX/XX/XXXX. The fact that the courts in Michigan has never answered my questions since XXXX, nor what monies I owe ( XXXX, {$5500.00}, {$8700.00}, the latest are two I've received are dated XXXX Capital Alliance Financial LLC XXXX XX/XX/XXXX on XXXX XXXX XXXX have all the documents from all the payments they've taken via garnishments, and still taking from my paychecks. I don't know what. The offices of XXXX XXXX are at XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and XXXX XXXX XXXX is P.O. XXXX XXXX, MI. 

Help c

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ERC
State: AZ
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:
I have received a letter from ERC o n   XXXX   XXXX   2017   claimin g that ... I owe money to  XXXX   XXXX  and to my recollection I have never used  XXXX   XXXX  in the past and I do n't ever recall having  XXXX   XXXX  at my house in the last 9 years.  <P/> Creditor :  XXXX   XXXX  Original Creditor :  XXXX  Account Number :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   Amount of Debt : {$50.00} Reference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   COLLECTION NOTICE Our records indicate that your balance with  XXXX   XXXX  remains unpaid ; therefore your account has been placed with ERC for collection efforts.   Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease.   Yo u may  be eligible to reactivate your service with  XXXX   XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call  (   XXXX   XXXX   XXXX .   This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus.    Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us.  <P/>  View st atements, pay your balance, and manage your account online at  XXXX   Telephone : (   XXXX  )  XXXX  Toll  Free. All calls are recorded and may be mo nitored for training purposes.   Send correspondence to : ERC,  XXXX .  XXXX   XXXX ,  XXXX , FL  XXXX  Office Hours ( Eastern Time ) :  Mon-Thurs  :     XXXX   XXXX   XXXX  , Fri :   XXXX   XXXX   -   XXXX   XXXX  , Sat  :   XXXX   XXXX  -  XXXX   XXXX    This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address.     XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX , PA  XXXX     XXXX   XXXX    2017. R e ference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Amount of Debt {$50.00}  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  On the back  Federal Validation Notice Our Corporate Address  ERC  XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: DISCOVER BANK
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX  AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX National Credit System , Inc XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
This National Credit Systems collection account with the balance {$180.00} ( Original Creditor is XXXX XXXX XXXX ) is inaccurate because I paid this before it went to collection. I am requesting that the item be deleted. 
I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time.

Enclosed are copies of my 3 checks from my bank account supporting my position. 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt has been on my credit for over 7 years since  XXXX  now we are in  XXXX  each time. I have been contacting this company for the longest time to removed, but its still on there. The debt was taken by my ex who knows the owner of the dealership. I have been disputed this item for years I would they verified a debt with who they spoke with was there a confirmation number given??? How would a creditor verify a debt without sending proof of signature documents the name of the person who helps me obtain this debt? Please look into this matter this company been seaming people for years and I am so happen to be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, 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:
XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have experienced a lot of credit inquiries on my account that I did not authorize. Most of the inquiries happened on the same day. Some of the inquiries are old and some are new but I did not authorized them and I would like the inquiries deleted from my credit report. I am experiencing some type of credit fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
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 status incorrect

Complaint:
XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to Transunion and XXXX for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''

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