BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint against XXXX XXXX XXXX XXXX XXXX, who collects debt on behalf of the state of DE. Facts and details supporting my claim follow below. -Debt originates from an alleged toll violation in DE on XX/XX/XXXX at XXXX. DE said that I did n't have an XXXX. I did. The toll amount was {$4.00}. -The first notice I have of the violation is dated XX/XX/XXXX. The amount on this notice was {$29.00}. -I had moved from XXXX to XXXX to be with my wife, who is on XXXX XXXX XXXX in XXXX. -The second notice I have is dated XX/XX/XXXX. The amount on this notice was {$66.00}. -Due to my move, I may have recieved both notices at once. I do n't recall. -I appealed. -The response to my appeal is dated XX/XX/XXXX. Confusing because of the dates, but amount owed is for {$29.00}. -Reason for denial was now different. It said I did not prove I had a positive balance at the time of my alleged violation. My account is linked to my credit card. -XXXX turns me over to a debt collector, XXXX XXXX XXXX XXXX. The first notice is dated XX/XX/XXXX. -I called to dispute the debt on XX/XX/XXXX, and was told I could not dispute the debt. After arguing that I could, the representative told me that I could waste my time sending in a letter, but that I could n't dispute via phone, which their notice to me said I could. The representative also said she could read me the response I would receive, and that it did n't matter what I said. -I mailed a letter on and dated XX/XX/XXXX. -I recieved a generic response, likely the one the representative referenced in my XX/XX/XXXX call, validating my debt. -XXXX XXXX XXXXXXXX, XXXX. Has violated the Fair Debt Collection Practices Act by not allowing me to dispute the validity of my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, 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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously filed a complaint with XXXX, the creditor that was involved with my identity theft case. They have already sent me an affidavit for identity theft in the mail and I sent that off on XX/XX/2022. I have also sent XXXX and TransUnion a copy of my police report my identity theft report and other supporting documents multiple times. They have treated me very rudely. My brother, XXXX XXXX, opened a fraudulent credit card in my name and made himself an authorized user of the card. Based on the police report I have sent them, he has also had a history of stealing checks from my family. I have substantial evidence of my identity theft and still have not had this account removed from my credit report. TransUnion and XXXX even put a 7-year fraud alert on my account but then proceeded to say in recent dispute results that the account was accurate when it was not. Out of all the credit bureaus involved, XXXX by far has given me the best customer service. They have cordially and promptly deleted the fraudulent account from my credit file. I am still fighting with you months after I had found out about this fraud. Since XXXX is my XXXX, his SSN is only a few digits off from mine. That is how he was able to do this. I have not received any financial gain from this at all. I am sick of fighting this case. Why would you place a 7-year fraud alert on my account and then decided the fraudulent account in question is accurate? I am beyond speechless. XXXX has already received my affidavit. They should be beginning to perform their investigation.

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 2022-07-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-02-08
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CITIBANK, N.A.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Citi first informed me of three fraudulent charges on my credit card to XXXX XXXX on XX/XX/XXXX in the amounts of {$780.00}, {$770.00}, and {$130.00}. Per that phone call I was led to believe that these charges were flagged and removed from my statement but only a few days later did the charges re-appear. An additional phone call to Citi customer service proved to be unhelpful as the customer service representative was unable to mark those charges as fraud on his end due. I was instructed to mark these charges as fraudulent myself and upon attempting that I was unable to dispute any charges myself. I compared to my wifes account which showed that she was able to dispute any of her recent charges, but my account was not showing the same options.

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 2017-08-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
After 23 years of membership, AMEX changed the terms of my membership WITHOUT notice to me. I was a Platinum card owner and had no preset limit and had the extended payment option on my account. I made a {$2500.00} payment last billing cycle with the written understanding from AMEX that my account had the embedded extended payment option. Recently, I received notice from AMEX that my entire balance was due and AMEX charged me a {$38.00} late fee. AMEX also charged me {$450.00} to renew my card. I called AMEX on XX/XX/XXXX and told them to cancel my membership immediately as of XX/XX/XXXXand provide me with my balance. I made 2 payments last nite. One for {$3000.00} and the next for over {$6900.00}. I asked AMEX reps if the balance included the renewal fee. AMEX confirmed that the balance given to me did NOT include the {$450.00} membership renewal fee. This morning, I checked my accounts online and AMEX defauded me into believing that they did not charge me a renewal fee. I now have a CREDIT balance of {$780.00}. When I asked AMEX on XX/XX/XXXX, why they lied about removing the {$450.00} renewal fee. They told me to file a dispute online. I want my {$780.00} refunded to via wire transfer immediately. AMEX should not get free use of my money when they clearly defrauded me by lying about my account balance and renewal fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged {$30.00} for excessive withdrawal fee from my savings account by Bank of America. When I called the Customer Care Representative she told me that the charge will not be waved because Federal law authorize them to charge {$10.00} for any withdrawal above 6 times in a month. I was surprised because I called Bank of America Agent before the transfer and was told that it was my sixth transfer and that I will be charged if I transfer money more than six times from my Savings account in a month. I expected to be notified of any excessive withdrawal, but this was not done until the charge went up to three times generating {$30.00}. This is unfair. I need the {$30.00} refunded to my 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 explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, And this company is refusing to fix and claim its verified with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX  on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX XXXX known as XXXX and Portfolio Recovery. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2015-10-28
Company: Credit Associates, Inc. (MO)
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Wednesday, XX/XX/XXXX a sheriff showed up at my place of employment and also at my husband 's place of employment. The sheriff served us papers from Credit Associates for a debt we owe of XXXX to XXXX XXXX. I had made payment arrangements with to credit agency of XXXX. I made XX/XX/XXXX and XX/XX/XXXX 's paymenst.My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and we had a deductible of XXXX per-person. We have many doctor and hospital bills and it 's been very difficult to keep track of them all.That being said, I missed a few payments.My last contact with XXXX XXXX was XXXX XXXX to which I told them I would try to get a loan but because of poor credit we were unable to get a loan. We were still trying to come up with the money when about 49 days later a sheriff comes to our place of employment serving us papers. This was the most humiliating, scary, and embarrassing thing that has ever happen to me and my husband. Now I 'm in fear of loosing my job over this. I 've tried to settle with this credit agency but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: American Coradius International LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from American Coradius International LLC today attempting to collect {$4000.00} from a XXXX XXXX   account that I have no idea existed, and certainly was not opened by me ( 2015 ) without my knowledge or consent. Not the first time I have had to dispute fraudulant accounts with XXXX or especially XXXX XXXX. Both should be held criminally responsible. This account has not shown up on any recent credit score reports. I have contracted with a credit score repair firm XXXX XXXX XXXX over the past few months and this account whether delinquent or active has never appeared on my report. I would like to charge XXXX XXXX with criminal negligance for allowing this account ( again ) to be opened without my knowledge or consent and thus negativley affecting my credit score. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Bryant, Hodge & Associates LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted by Bryant Hodge & Associates XXXX about {$3700.00} XXXX account XXXX XXXX spoke to XXXX and XXXX. XXXX I had paid for sold off XXXX debt to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX. It was for account number XXXX. 
In house account number XXXX. 

I called XXXX to confirm how many accounts I had via my SSN. Only one shows. They gave me contact info to the company that the debt was sold to. 
XXXX XXXX. XXXX. They confirmed the account number XXXX was the only account number applicable, and that Bryant Hodge & Associates were working on an error or fraud. 

I explained this to Bryant Hodge & Associates and offered my email XXXX to receive debt verification. They declined to do so. I now get calls threatening court summons from them at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-03
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:
I tried to open a checking account at Wells Fargo Bank, and was told that I couldn't and would receive a letter saying why I received the letter and it says that they obtained a consumer reports from a company. A " soft copy '' they call it. The company is called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, 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 2016-08-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian refuses to remove a security hold on my 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: CITIBANK, N.A.
State: IN
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:
On XXXX XXXX. I recieved an email from XXXX saying my order # XXXX was being shipped with some kind of blankets size twin and twin xl and more. The cost was XXXX I replied to the email saying I dont know anything about this. I didnt order blankets and not to send anything XX/XX/XXXX I get email from XXXX asking how I liked my purchase. I checked my Costco credit card and saw the charge for XXXX to XXXX. I immediately cancelled the Costco card I tried to call XXXX but they only email and I have about 20 emails to them and not very much response other than my IP address was used. Our neighbors have been doing a lot of things and we had a bunch of items stolen and now they moved suddenly I notified Costco visa of the fraud charge and they reversed the charge but later added the charge after the investigation I have asked for proof of the investigation but nothing XXXX wont respond and credit card just sent new card but still charged me XXXX. 

What can I do? 

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