BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have called TRANSUNION for a week straight pertaining removing fraud alert. I have done everything they suggested I do to remove alert, there system is always down all the time and every time I call they say they can complete this request for me which makes no sense at all.

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 2023-10-10
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transworld Systems Inc sent me a debt collection letter, I then requested debt validation and have yet to receive anything. Until today I received letter asking for payment. I requested debt validation because my identity was stolen. I have had to complete several identity theft reports when debt shows up at my now and has been current address for the past 4 years. Now this one included. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i sent a dispute letter to validate the alleged debt CMRE finance has on my credit report. They didnt respond to my dispute letter, so thats tell me they cant verify it. By law if you cant send me proof of a signed contract, it must be deleted.

As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my XXXX XXXX Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response. 
FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.

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 2023-01-15
Company: United PanAm Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX Ga XXXX RE : XXXX ( Account ) Retail Installment Contract dated XX/XX/XXXX ( Contract ) XXXX XXXX XXXX VIN XXXX ( the Vehicle ) Dear : XXXX XXXX XXXX XXXX so that has been established that a contract was signed on XX/XX/XXXX under a false & deceptive manner. 

Pursuant to federal law 15 usc 1692a ( 6 ) any person entity or corporation. Trying/attempting to collect money from me is in fact a debt collector.

Since you are not a debt collector am invoking another cease & desist from all collection this account. Until you can provide proper documents of validation of debt. Including but not limited to. I need to see your books, files, ledger, audit trail, whatever form of record keeping you have of this transaction and 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt.

( 2 ) the name of the creditor to whom the debt is owed.

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
I am holding you XXXX XXXX XXXX personally willfully and knowingly of falsifying information, coercion, extortion to pay a debt that has already been paid XXXX XXXX XXXX you are personally liable for running a racketeering ring. 
You must comply with my validation of debt. Congress says you shall. I should have already received that notice of debt : content 7 months ago. 

After entering a credit transaction, you fraudulently turn my credit application into a retail installment. contract which was never defined in truth in lending act. 
You have violated my consume rights you are in default, and you have refused to cure this action you have time and time again lied about not violating federal laws and state laws. 
So, if youre not a debt collector what are you? 
Because you seem to be exactly what congress told me a debt collector is Make the best decision! 

Yours truly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My credit application was denied in violation of 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 2023-06-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called Hilton to make a hotel reservation. During the call, a representative came on to ask if I wanted to sign up for a Hilton AMEX card. I explained that I really didn't need another AMEX card but they proceeded to explain that I would get XXXX Hilton rewards points if I was approved for the card and spent {$1000.00} in the first 3 months. I thought that was a pretty good offer so I accepted. I was approved for the card and I spent more than the designated amount well within the allotted time frame. I never received the bonus rewards. Since then I have made numerous calls to AMEX, spoke to numerous different representatives and supervisors and I am given a canned response of " I didn't qualify for the bonus '' but they can not and will not give me the reason why. They blame the third party at Hilton and Hilton blames AMEX. I explained that they are fraudulently luring customers under false pretenses and then not taking any responsibility. I asked them to listen to the recorded call and they refused. I feel I am entitled to this bonus as my credit was affected with the new card and will be again affected if I have to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 is missing that should be on the report

Complaint:
I opened an mortgage with XXXX XXXX XXXX in XXXX they sold the mortgage to XXXX mortgage ( sometime during that time ) I sold my house in XXXX neither mortgage company reported my MORTGAGE payment history to the 3 major credit bureaus. 

This inaccurate & lack of reporting to the credit bureaus have caused me thousands of lost $ & hiked interest rates for my current house, car purchases, & current credit. 

This lack of reporting has caused me credit pain for years ( not able to buy a car or house that I wanted ). 

Resolve : I would like both companies to add & report the XXXX mortgage payment history to my credit report. This abuse of lack of CREDIT reporting is NOT ok! 

I am furious at this. This is the mortgage companies job to do the right thing. 

I just spent 49 minutes talking to your staff to report this, now Im on line doing this. 

I need help please Thank you

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered to upgrade to a Capital One Venture account. With this upgrade, I should have received XXXX points. I contacted customer service last week regarding my issues and was informed the offer would not be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX of XXXX my credit union, XXXXXXXX XXXX XXXXXXXX XXXX, mailed out checks to GM Financial to pay off a loan for a XXXX XXXX XXXX XXXX that I was purchasing from someone that had a loan through them. The previous owner said he didnt have the title for the car and that GM Financial had the title until the car was paid off. My credit union and I have tried multiple times to get ahold of GM Financial to get the title and pay off sent to us and still have not been able to reach them or hear anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Bliksum, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was on my bank trying to apply and it directed me to start up and once I tried an application loan for them it told me that I was unable to get a loan through them but was able to get a loan through a third party. Before I even put any of my information it had my information so I figured it was through start up in the website was secured when I went on to loanme.com After filling out the online application the page refreshed and had told me that I was pre-approved and redirected me to the next screen, which said that my approval was pending and that I would receive an email for next steps. And when I went on to their website and tried logging in I told me I was not a member or did not have an account. Prior to going on to loan me I had screenshotted where my bank directed me to loan me and I noticed on the top of my screen shotted picture it had said loanmee.com Right away I noticed it had an extra e and started freaking out. I know think my life is ruined and don't know what to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I currently have a credit card with XXXX XXXX XXXX  and is the XXXX XXXX XXXXXXXX XXXX ) credit card. I have had many issues with the credit card but the latest have been personal retaliation towards my credit card. I have no one to help me or advice me on this matter but let me further explain. Since I use this credit card for my everyday expenses the credit limit is XXXX XXXX. But is not maxed out and even though i always make between XXXX to XXXX dollar monthly payments I cant seem to ever lower my debt and my point or rewards never change either. I called them today to see why they always block my card as well as to ask them for a credit increase and the first representative denied me this information I am assuming this was cause she didnt have all my information available as she was located abroad. I asked for her to transfer me to a representative in the States as i knew they always have more information specially regarding my personal account and he did. The second rep was great and provided me with the date of my latest increase request and this is where the problem start. I requested him with his legal department as well as as an email where i could make a formal complaint regarding my credit reporting from them as well as i personally told him i believe they are not treating me fairly and he just provided me with a fax number that doesnt work as well as XXXX XXXX XXXX. Not even XXXX minutes have passed by when i get a XXXX point decrease on my experian credit report. XXXX credit card services have always decreased my credit score right after i make a complaint regarding the services they provide. I am not joking and you can check the times i called as well as when i get the experian notifications I even have proof of it on my phone. I am formally accusing XXXX XXXX XXXX XXXX of lowering my XXXX XXXX for complaining to them for irregularities they are doing to my account and this all include, payments i have made them not posting them, credit decrease for questions and complaints i have, not providing me with information i request, I also accuse them of not treating me as a regular customer and they always seemed to know who i am for some reason.

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 2021-03-15
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', XXXX  still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to Specialized Loan Servicing. Specialized Loan Servicing was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, Specialized Loan Servicing reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, Specialized Loan Servicing responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, XXXX  still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: DE
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:
There are so many inaccuracies on my credit file Most are with new creditors not original, covered under 609a1a law or older then allowed with student loans. They aren't with original creditor either.

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 2023-01-03
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANTS CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft. 

I reject your offer to contract. I did not consent to any nonafliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act.

I would like the name and address of the original creditor as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021, I received a letter via email stating that a credit card that I applied for wasnt approved due to information obtained by a consumers credit report. I never gave anyone my WRITTEN CONSENT to report anything on my consumers report. Thats against the I.S. Code laws .No consent is identity theft! I also never gave capital one my written consent, which is unauthorized use. I was not approved based on information capital one obtained from someone else and took information without my knowledge. What law states that Im subject to a credit score? Attached is the letter I received being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2021-04-08
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Regional Finance XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX I paid the company off in 2015, and they still have a judgement on my property, and my bank refused to give me a loan to fix my leaking roof, until Regional Finance, issues a release of judgement off my property. I am a XXXX year old XXXX senior citizen, and I need my leaking roof repaired ASAP. This has been an ongoing battle for the last few months. Please help me.

Company response to consumer: Closed with explanation