BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: Solidus Group LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A Representative claiming to be from XXXX XXXX from The Solidus Group, LLC contacted my father and proceeded to not only tell him about my debt on an outstanding loan, but give balances, and a case number. He told my father that he was going to have me arrested and would charge me with criminal charges. 
When I finally was able to get in contact with someone ( they have a very impenetrable phone system ), the man who answered told me I was wasting my time calling without an attorney and they would see me in court. He kept cutting me off and telling me I was willfully trying to fraud the lender. When he eventually stopped talking long enough for me to get a declarative sentence out, he transferred me to a female collection agent who told me I had to pay with only a debit or credit card. After taking my information, and setting up XXXX payments for half of the balance, she hung up. I tried calling back several times. I then attempted to contact the next day where the original gentleman who contacted my father told me I had better let all of those payments I set up go through or they would " see me in court and charge me with criminal charges ''. I attempted to ask for him to validate the debt or send some information in the mail, but he, like the first guy I spoke to, kept cutting me off and hung up. I called back but the number immediately went to voicemail. I have never been contacted before by these people and have received no notices in the mail or anything about this outstanding loan from either the original lender or this so called third party collector. Proper collections protocol was NOT FOLLOWED in the slightest. FURTHER MORE- when I was told that this was going to court no information or formal summons or complaint of writ was sent to me.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-30
Company: Genesis FS Card Services, Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Sent a letter to a former address informing me of a debt with a random amount owed from a 2001 account that was paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: National Judgment Recovery Center, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A Debt Collector called 'National Judgement Recovery Center , L.P ' has levied several of my accounts including my children 's checking and savings. However the XXXX XXXX for a debt is not mine, it belongs to another person with a similar name ( except that I am a XXXX. ). The XXXX XXXX was rendered in county where I currently reside in XXXX, and I was not a resident of this county until XXXX, and did not have any financial dealings in this county prior to moving here. This has caused me great distress, as I am not able to pay my bills or go to my doctors appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage company has always bought my homeowners insurance since I bought my house back in XX/XX/XXXX, they purchased it and also make payments through my Escrow account however I have always received a letter stating that I have coverage. Well I filled a claim after hurricane Ian hit XXXX XXXX Florida XX/XX/XXXX and now my homeowners insurance claims that the policy / contract that my mortgage bought under them has no coverage. And because they are the policy holder and not me or my spouse we arent entitled to nothing they have lawyered up and there attorney was the one who emailed us this information.so basically we are being scammed from our mortgage company the attorney stated that no payments were not made to the insurance company so there for there isnt money to claim. I have kept all my records pay bank statements and also insurance letters from when my coverage began end and started again. My policies as well for each year since my home was bought I never trusted that mortgage officer by the name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Kikoff Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : KIKOFF LEND XXXX XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number: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 2023-02-27
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: Information belongs to someone else

Complaint:
It appears that my credit report has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I am disputing do not have any affiliation with me, I Included the aforementioned items in my prior complaint, and despite the numerous attempts to file a complaint against the items they still remain on my credit report Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My complaint is with XXXX, Experian, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...

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 2017-03-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a dispute for inaccurate information reporting to Experian on 3 separate occasions. The last response came back as verified. On XX/XX/2017 @ XXXX I contacted XXXX who would n't share his last name, only that he 's on XXXX. I asked could he provide me with method of verification used to verify this record. I was told by the court house. I went on to explain to him I previously contacted the court house and they notified me they do not verify information. He continuously stated it was the court house. I requested the name of the court house, person 's name who verified the dispute, the address and phone number as well as any verifying documentation. He went on to say he could n't provide me with that information. FCRA, section 609 a ( 2 ) states the credit reporting agency must disclose the source of the information. FCRA section 611 paragraph ( 6 ) ( B ) states " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available.

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 2020-02-11
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Citi double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the Citi card immediately because of this and because of how horrific their Customer Service is. Citi refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was Citi 's double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact XXXX  to bring my credit score back to what it was. I contacted XXXX  but they would not change my credit score as they said they contacted Citi and all of the information is accurate. I will include the dispute letter from Citi explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. 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 monetary relief
Consumer complaint received 2018-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A {$120.00} legal fee was charged because a levy was placed on my account. Contacted the source ( state of Mass ), I was told that inaccurate information caused state income tax fees and a levy was placed. Paid the amount the same day and contacted BofA who said the hold will come off the next business day. Hold comes off but now I have a {$120.00} legal fee. Called BofA to discuss the fee, but after explaining that not knowing the money owed and surprised with a levy ( Ill be asking my tax guy some questions ) and paying, all they said was that its a legal fee to charge for placing a hold. Is this even ok.

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 2017-01-23
Company: Utah System of Higher Education
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Since XXXX XXXX, 2016 my employer has been trying to make a sum payment on my XXXX student loan. The payment has been rejected three times, regardless of my continued phone calls, faxes, and confirmed loan information. When I have asked to speak to supervisors, I am given the same information, which is to " just keep trying to send it to the address on the website ''.

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 2020-04-07
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:
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

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 2023-02-27
Company: EQUIFAX, INC.
State: NY
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir/Madam, I already disputed this issue with all XXXX credit bureaus and all of them seem to have deleted it except Experian. There is a report on my personal credit about a small business credit card by XXXX XXXX belonging to XXXX XXXX XXXX which I am a shareholder. This card is a corporate card, not personal credit card and it does not belong solely to me. This is a limited liability company and I never accepted to be personal guarantee to the debts. According to Florida statutes, I should not be personally liable for a limited liability company. Experian today stated that they will not remove it from my personal credit report and said XXXX XXXX would like it to stay on my file. I reject to be held responsible for a corporate credit card of a company in which I have only 5 % shares. This should be removed from my personal credit report completely and Experian needs to be notified to take proper action.

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 2022-05-05
Company: EQUIFAX, INC.
State: MD
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:
received a copy of my credit report and found the following item ( s ) to be in error, also the below are against to the law FCRA

Company response to consumer: Closed with explanation