BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
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: Personal information incorrect

Complaint:
On XX/XX/2019 ... XXXX XXXX XXXX VIA XXXX REQUESTED CREDIT CHECK ON ALL 3 MAJOR CREDIT AGENCIES. 

I CONTACTED A CORPERATION WHO MADE THE REQUEST AND REPORTED FRAUD. THE COMANY ASSURED ME THAT THE CREDIT INQUIRY WOULD BE TAKEN OFF ALL MAJOR CREDIT REPORTING AGENCIES, BUT FAILED TO DO SO. 

I ALSO WENT ON FREE ANNUAL CREDIT REPORTS, AND COULD NOT DISPUTE THIS PROBLEM AND SOMEHOW DURING MY DISPUTE WITH TRANSUNION I WAS DISCONECTED COMPLETELY AND WAS NOT ALLOWED TO GET MY CREDIT REPORTS. THIS HAPPEND ON XX/XX/2019 AT AROUND XXXX XXXX. 

I TRIED TO GET BACK ON FREE CREDIT REPORTS AND IT SAID MY SESSION HAS ENDED. ALL THREE SESSIONS WITH THE MAJOR CREDIT REPORTING AGENCIES. 

I FEEL THAT I WAS NOT ALLOWED TO CORRET THE ERRONEOUS MISTAKES THAT WERE PERSONAL AND OTHER. 

SOMEONE NEEDS TO REPORT THIS PROBLEM TOTHE FREE ANNUAL CREDIT REPORTING SITE. LET PEOPLE HAVE THE DAY FOR THEIR FREE CREDIT REPORT ... AND DONT DISCONECT THE PERSON WHO IS TRYING TO DISPUTE WRONG CREDIT AND PERSONAL INFORMATION.

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 2020-11-08
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A strange XXXX male appeared on my land looking for information which he did not receive the first time he had came by as, he began to leave off the property it was noted that he began to write down the license plates numbers of the vehicles on the property. A few weeks later said man appeared on my property once again and was warned that he was trespassing, well said man wanted to argue that fact with the homeowner, which resulted in home owner getting his weapon to stand his ground. In which time homeowners wife persuaded trespasser to get off the property, but before leaving property trespasser was caught on homeowners camera using his phone to record the license plate numbers of the vehicles in the homeowners yard.The third trespass violation occurred on XX/XX/2020 My wife said to have had words with trespasser before he taped a third party debt collection citation to door of my home. And also the citation that the trespasser stuck to my door has This incident was reported to the local authorities and the state attorney general office here in TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called to state that old information was reinserted and I did not receive a letter by law. Instead of removing the information immediately it was sent into dispute in which I should not have to wait an additional 30 days. This was on my report around XX/XX/2016 under credit protection and was removed in XX/XX/2016. By law I should have received a letter that included a certification of accuracy and once I informed the credit specialist it should have been removed, not disputed. The item is now reporting as XXXX XXXX XXXX XXXX. Even Public Relations, XXXX XXXX, from XXXX stated that they try to employ procedures that prevent this from happening where debts are sold and reinserted under a different name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to get into by Best Buy Acct to pay my bill. The phone they provide has NO way to speak to a real person. Their automated system is only speech or numberpad-based. When they don't work there is no alternative. I can't pay my bill since NONE of the phone provided goes anywhere but their canned systems. 

I am sure this is deliberate as they can charge XXXX fees for late accounts. At this point I want to pay the account off and close it. Such a sleazy company. 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 2022-07-22
Company: CL Holdings LLC
State: FL
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 never gave my lawful consent for anyone to furnish on my consumer credit report such as my name, my address, social security number, this is a violation of my rights due to perform or exercise because I was denied extension of credit for inaccurate and false pretenses of any person who knowingly and willfully obtains information on a consumer from a consumer credit reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

If you can not provide me with proof of my lawful consent of any transaction that took place between the creditor and the debtor that means it is willfully and knowingly that this information is INACCURATE and False and I DEMANDING that you DELETE all FRAUD thats reported on my consumer credit report or their will consequences and penalties for the violations. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Capital Credit and Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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/2021 I purchased a phone from XXXX online and financed it using their Synchrony BankXXXX XXXX XXXX XXXX XXXX for a discounted price. The phone was mailed, and I received an envelope from them on my porch, but the envelope was ripped open and the phone was missing. I attempted for XXXX days to call XXXX, but because It was during the holidays was never able to get through to them, despite holding on the line for up to XXXX hours at a time and making multiple attempts at several different hours of the day and night to complete chats. So I decided to call XXXX to see if I could get resolution through them. They sent a representative out to my home who completed a thorough investigation but I never heard anything further from XXXX. When trying to resolve this issue in XXXX, I accessed my XXXX account online and located a report which stated, regarding this package search, " The search for your package is complete. We have been unable to locate your package. We will forward the search results to the shipper. '' Thus, they must have sent XXXX these results. But despite this report, and my filing a claim with Synchrony BankXXXX XXXX XXXX as to this information, I am still being expected to pay for goods I never received.

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 2022-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I paid for a puppy and shipping in the total amount of XXXX XXXX {$500.00}, {$400.00}, and {$1000.00}. I never received the puppy to this day and this happened back on XX/XX/XXXX and XX/XX/XXXX. I reported this to the bank on XX/XX/XXXX after the shipping company asked for more money, I refused and they said youre about to lose everything. They Citizens bank has continued to refuse to help and give me my {$1900.00} back as they say it was an authorized payment. If I didnt agree to pay for the puppy I never would have got the puppy. 

I have all the screenshots of everything if you would like it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Currently, Hunter Warfield has been calling me every single day, at least once a day, since XXXX claiming that my old apartment is seeking a collection on a utility bill debt. I explained to them that there was no debt, I had paid off any remaining balances before moving out otherwise I would have not been able to move out. They went to issue a dispute within their own company and told me it was not valid because I had no proof. The collection came up on my credit report as of XX/XX/2023 for the {$140.00} balance they claimed I never paid. I had offered to send them proof it was paid and they got incredibly aggressive with me and told me to figure it out on my own. I filed a dispute with XXXX on XX/XX/2023, the same day the collection came up, and submitted the supporting documents showing that, yes, I had in fact paid the " debt '' they're trying to collect and my balance at the end of my lease was {$0.00} since the customer service and Hunter Warfield refused to let me send in the documents initially. Within about 24 hours, the dispute through XXXX was resolved in my favor and the collection was removed from my credit report, thankfully. Now, as of XX/XX/2023, Hunter Warfield is still harassing me and calling me multiple times today to tell me I need to pay them right now or they will charge me more to pay it off despite explaining I had already gotten the collection resolved. They are claiming it was never disputed and that the charge is valid despite already sending in proof it is not valid and getting confirmation the collection was removed from my report. I do not appreciate them calling me repeatedly, getting rude and aggressive with me over the phone, and telling me I'm lying and that I can not possibly dispute the collection despite already doing so and it getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BB & T reported my XX/XX/XXXX payment as late to the credit bureau. I was not notified by BB & T of the missing / late payment - no phone call, email, or mail notification. I was informed by an alert from the credit bureau. I immediately contacted BB & T to dispute this information. When they told me a payment was not received, I contacted my bank. I had reoccurring monthly payments set up through my bank. When I contacted my bank, they verified the check had not been cashed. I explained the dilemma to BB & T and immediately made the payment. I asked the credit department to consider removing the blemish from my credit report. I have been redirected to many departments, and have not received any resolve. Further, in XX/XX/XXXX, BB & T reduced my credit limit from {$3200.00} to {$1100.00} despite my dispute over the late charge/credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent this letter off on XX/XX/, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I also have the tracking number stating that I mailed these letter disputes as well for someone to sign for. 

According to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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 with who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurately and according to the FCRA 15 USC 1681 everything has to be in order for the account to be considered 100 % accurate. 

Accounts listed here : XXXX XXXX XXXX XXXX {$1000.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$870.00} opened XXXX XXXX XXXX XXXX XXXX {$820.00} opened 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 2022-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

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 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 explanation
Consumer complaint received 2023-04-17
Company: Frontline Asset Strategies, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, Suite XXXX, Washington XXXX District of Columbia, XXXX FrontLine Asset Strategies , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the validity of a debt that your client, FrontLine Asset Strategies , LLC, has claimed that I owe. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The reference number for this matter is XXXX. I am requesting that you provide me with all relevant documentation and evidence to support this debt. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) provide consumers with certain rights and protections when it comes to debt collection and credit reporting. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to receive a response from the credit reporting agency within 30 days. The FCRA also requires that the credit reporting agency investigate any disputed information and correct or delete any inaccurate information. 

Under the FDCPA, debt collectors are required to provide consumers with certain information about the debt, including the amount owed and the name of the creditor. Debt collectors are also prohibited from using false or misleading statements in an attempt to collect a debt, and they must stop contacting a consumer if the consumer requests that they do so. 

I am disputing the validity of this debt and I request that you provide me with all relevant information to support your claim. In addition, I request that you take the necessary steps to remove any negative information that may have been reported to credit reporting agencies regarding this alleged debt. Please provide me with written confirmation of the removal of any such information from my credit report. 

It was explained that there would be no sort of credit involved by the XXXX XXXX representative and here I am being charged. This is a deceptive practice and this alleged debt is invalid. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation