BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Tower Loan of Mississippi, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I obtained an installment loan with XXXX XXXX  of XXXX and my loan was sold to another company named Tower loans and my balance doubled. I did not review any notification that XXXX XXXX  was closing down and that my loan was being transferred to another company. I need help removing these excessive and unauthorized charges.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i when to XXXX XXXX XXXX, looking to purchase a vehicle. 
i was under the impression, that my credit will be run once. 
now i have A lot of hard inquiry on my credit report. this is stopping me from purchasing a home or Vehicle. 

Shared with out my consent, credit Inquiries from unknown soucrces. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-15
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:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: U.S. BANCORP
State: MI
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 tried numerous times to contact this company by the name of Elan Financial. They claim to have a credit file on me, however I have absolutely no knowledge of this company. Also, I have never given this company permission to use any of my personal information. Any personal information that this company have has been obtained illegally. This companies address is XXXX XXXX XXXX XXXX XXXX, MO XXXX. I don't even live here or have ever traveled to this state. 

I have contacted this company numerous times to validate the account that they have on file with me and they refused to talk to me. I contacted this company on XXXX. I want this removed off of my credit imediately.

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 2022-10-13
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Currently in litigation at XXXX XXXX XXXX Case # XXXX, I received a presentment postmarked XX/XX/XXXX from XXXX XXXX who represents JEFFERSON CAPITAL SYSTEMS. Regarding Case # XXXX, Account # ending in XXXX, with a XXXX # XXXX, for the amount of {$990.00}. I have requested Validation of Debt not once, but twice. Sent via Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The second request Certified Mai l # XXXX XXXX XXXX XXXXXXXX XXXXon XX/XX/XXXX. Let it be known that this very moment, I still have not received a Validation of the alleged Debt. The responses to my inquiries were duplicate packets with letter and statement of account dated XXXX XXXX from the office in XXXX, Wisconsin. Not from the office located in XXXX, Massachusetts where the Validation of Debt inquiries were sent and signed for. Also, two copies of what was submitted to XXXX XXXX XXXX were sent to XXXX XXXX XXXX Attn : XXXX XXXX, Clerk Magistrate in XXXX XXXX, Massachusetts for Case # XXXX via Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX and Certified Mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. They can not validate the debt because they can not produce an Original Contract. As a matter of fact, per my credit report dated XX/XX/XXXX the alleged debt that I am being sued for was closed and written off, then purchased by another lender. Notice, it is a fact, and I am aware, you can not represent as an attorney and collect a debt at the same time without being a debt collector. Thats violation of the 15 US Code 1692e ( 3 ) and I am in litigation with a third party as they were not involved in the original transaction, nor do I have any contract with them, and I do not consent to this third party to being in my affairs. All testimony or representation from this third party is heresay!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past few months I have been contacting TransUnion and the companies that they have listed on my credit report wrong. I have not applied for these accounts that was opened in my name. I have nothing from these people and have no clue why this is on my credit report. I have send you all a police report, proof of my identity and social security card. I don't know what else you want from me. I need someone to help me get rid of this headache and get this problem solved once and for all. Please remove this information that is not mine. It is against the law to report things that do not belong to a person. These accounts for Dept of Ed/XXXX XXXX XXXX along with attempts to open other accounts that I did not request from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. It would be a great relief for you to get this mistake corrected and these accounts deleted.

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 2023-07-04
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed by people posing as chime service members. They were able to take {$4800.00} from me. The phone number you can contact them at is XXXX. 
There were several transactions made to that total. The scammers used the app anydesk to gain my ip address and were able to see my phone screen. The made it sound like I was verifying my accounts but they were actually emptying my accounts. This was through chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To close my mortgage, I initiated a transfer from my Bank of America checking account to my Bank of America mortgage account on XX/XX/XXXX. The amount is gone from the checking account but has not reached the mortgage account. I made multiple calls to Bank of America but they have not figured out where the money disappeared. Please help me out. The transfer amount is over XXXX dollars.

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 monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  CT XXXX, NJ XXXX ; XXXX XXXX  AV XXXX XXXX, NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-04-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card company was authorized to draw more than 30.00 out of my checking account on automatic payments. This month the company drew on 30.00 and an extra 420. Without my authorization. 

Best Buy VISA Card/Citi Bank

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 2021-01-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
debt collection agency claims i owe them money. i want proof of contract from company they claim I owe. i did not enter into any contract with this agency and do not plan on giving them money with out proof of contracts. " ORIGINAL '' Contract document, and contract i have with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 as a result of the Winter Storm, I scheduled a plumbing repair with XXXX XXXX XXXX. Due to the demand for service, the company conveyed that as a part of the scheduling I would need to " become a member '' and pay a portion of the charge upfront - **as a criteria for receiving service**. The upfront payment was submitted online. The plumber did not show to the appointment and upon contact to the company, they conveyed that the plumber did not have time to make the agreed appointment - and that they could schedule another appointment for an additional fee. Thus, no service was rendered, and the related charge for that service was disputed through the credit card company. Through an independent investigation, the credit card company confirmed the charge to be fraudulent and closed the dispute as resolved. 

Now, on XX/XX/XXXX I am receiving calls from a debt collector from Nelson Cruz and associates, who is prying for personal identifying information ( SSN ) and has indicated that the disputed fee has doubled. The only way to settle the debt is through a website requiring SSN credentials, then to " send a screenshot '' to close out the matter. 

This debt is fraudulent. This debt collection is extortive. I have patiently worked with both parties within reason, but I can not put myself at further risk by exposing my personal identifying information to unscrupulous disaster-profiteers.

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 2021-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: PNC Bank N.A.
State: PA
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 XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX 

I was not happy with the services provided and several days later contested the charges of {$180.00}. 

The vendor/merchant XXXX XXXX agreed with me and agreed to waive these charges entirely ( COPY OF EMAIL BELOW ). 

I submitted this proof to PNC XXXX XXXX XXXX XXXX, XXXX, Pa XXXX PNC BANK refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges. 

HERE IS A COPY OF THE EMAIL WAIVING ALL CHARGES : XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX, I hope XXXX is doing well with no changes due to his XXXX and that the XXXX  like growth on the shoulder has healed. 

I am upset by your letter and invite you for a conversation. I will waive your bill as a gesture of good will. I have worked with four other veterinarians that have also used this first generation Cephalosporin topical on dogs, cats and horses, all as an extra label use. 

There has not been any contraindications with XXXX and or geriatric animals anywhere in my literature search or noted by the XXXX XXXX veterinarians I reached out to for this important information. 

This was chosen for ease of use and compliance of treatment. 

I realize your disappointment with your experience and again invite you for a conversation. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX | ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has continued to damage me financially and has shown no respect for the law. Congress penalizes financial institutions for making consumers enter into consumer credit transactions with uninformed use. I should have been provided full disclosure. The cost of credit was not fully disclosed to me. I made an uninformed decision on XX/XX/2020 as a result of the lack of full disclosure. The agreement was not clear and conspicuous. There was no evidence of a debt. The only evidence of the debt was the agreement but because my decision was uninformed that made the agreement null and void. I was threatened by XXXX XXXX XXXX and they mentioned a charge off in my agreement but there is no legal definition of a charge off. Furthermore, I have proof that the supposed authorized representative / assignee used two different signatures on the agreement. That is signature fraud which also makes the agreement null and void. At this time XXXX XXXX XXXX has reported a debt to my consumer report as a charge off when they have not taken any financial loss, they have caused me to be denied for credit products when they are illegally reporting a debt. This is my last attempt to resolve this amicably. I will be completing a forensic audit of my documents and XXXX business practices and then filing for arbitration. I advise the credit reporting agencies involved in this fraud to get ahead of this before you are implicated in a RICO charge for being party to coercing a consumer into paying a debt through harm.

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 2023-04-18
Company: EQUIFAX, INC.
State: TX
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:
The following unauthorized inquiries are showing on my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: WI
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:
Today I revived this text message stating I tried to apply for a loan. I immediately looked to report them I didnt XXXX up for it and I have my identity compromised. XXXX has already took 4 things off my credit please help and catch these scum. I never signed up for anything and they a fraudulent scammers who will get your info to steal your identity. Trust me mine has been stolen and its a nightmare. Take the steps to report this to the right people, and dont let these scumbags prosper. God Bless America!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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