BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: GLOBAL SOLUTION BIZ LLC.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The first time this 3rd party debt collector contacted me was by text message, saying there was a XXXX XXXX against me and that they would enforce and send a quick track enforcement team to sieze my assets if I did not pay also they said they froze my assets i.e bank accounts and such, both claims were false, they never provided proof of said lien, because it doesn't exist, they continue to email and Harrass me. I have gotten nothing in the mail from this company only text message and email. Also this debt is for a business an XXXX that was administratively dissolved and is no longer operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. My FTC XXXX number XXXX Please delete the items as soon as possible.

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 2022-05-18
Company: Experian Information Solutions 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:
FCRA violations : payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family

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 2016-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One has committed fraud due to false advertising. 
They say the have comparative annual percentage rates, but that is simply not the case! 
XXXX, XXXX, and XXXX all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either XXXX or XXXX from the XXXX. How can that be when they are thousands of miles away from the United States? Can I get an explanantion for that? I have stated to Capital One employees time and again, that I prefer to speak to someone in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at approximately XXXXXXXX XXXX  there was an attempted to make a XXXX dollar withdraw from the XXXXXXXX XXXX ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The ATM displayed and error message and no cash or receipt were produced. The teller at the bank was informed and she stated that they do not service the ATM. On XX/XX/XXXX I noticed that the funds had been withdrawn from my account. I contacted USAA, with whom I bank and informed them of discrepancy at which point they informed me that they would investigate the matter. On XX/XX/2023 USAA informed me that they had denied my claim. On XX/XX/2023 I deputed the denial, which was also declined on XX/XX/2023. On XX/XX/2023 I received the documentation I had requested that USAA had used to deny my claim. The dates showing the ATM balances were illegible. I have also requested multiple times that USAA request the video footage from XXXXXXXX XXXX  as there are multiple cameras that have clear views of the ATM in question, including a camera in the ATM itself. USAA has done nothing to help with this situation and are refusing to credit me my money back or do anything else, despite multiple requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2015 I walked In to XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX and a cheap fix being I was XXXX XXXX and had no Insusurance. I told the nurse at time of check In that I had no Insurance. She ask me some basic questions then walked out into the hall and ask the doctor If he had a moment to check me out. ( No charges were discussed for the up coming price gauging that was about to happen to me! The doctor rabbed soe type of a XXXX  XXXX  shoved it up my XXXX  ( literally 10 seconds in each XXXX  ) and walked away. I was then shown an XXXX  and told I had all kinds of problems and handed me a bill for XXXX. I never consented to any charges and This amount of charges for 20 seconds with a XXXX  XXXX  are ridiculous! I want this removed from my credit history! PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
keep getting late notices even thought they received payment ACH

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 2022-12-06
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 belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX & XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : 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 2022-05-18
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from XXXX XXXX  company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with XXXX or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.

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 2018-11-02
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company XXXX XXXX said they sent certified mail and made numerous attempts to collect a debt and thats not true I tried returning their equipment they wont except it and trying to make me pay {$4000.00} for a debt that is {$400.00} they said after the attempts to contact they sent the debt to collections but they never contact by mail at all so they forwarded they account to collections without proper notification and have violated my consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Global Lending Services LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got an auto loan through Global Lending Solutions. I didn't know but they are predatory. The original loan amount was {$22000.00} at like 21 %. It was supposed to be for 5 years. Somehow it went on for 6 years. I paid every month and maybe was late like 2 or 3 months but not bad. It went on and seemed like they weren't applying payments. When I paid it all off, I asked how much in total I paid, and they said {$38000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After obtaining the method of verification from all three credit agencies, in which they all said XXXX XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Sent letter to credit bureau requesting them to validate this debt as I have no knowledge of the account or the original creditor and it was sent on XX/XX/27 and still no response. I have reached out as well to the collection company who have not sent validation either. I reached out to the original creditor showing on my credit report on XXXX who stated they had no record of the account have a balance or going to the collection agency and shouldn't be on my credit report. The credit bureau updated and closed the account but still have not been removed and them not deleting this account and not doing a proper investigation is hurting and damaging my credit profile.

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 2018-08-04
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CBA OF GA INCE After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in {$490.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

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 2018-11-02
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi Bank had a promotional offer offering a {$400.00} cash reward for opening a new checking and savings account with a combined balance of {$15000.00} or more held for more than 60 days. I opened the account in XXXX and immediately deposited over {$15000.00}. I have not made a single withdrawal or transaction since then. I called in XXXX and was told i met all requirements but it would be delayed to XXXX. I called in XXXX and they told me they would open a case. I called again in late XXXX and they told me they would escalate the case. Since then I have called and contacted them via live chat numerous times, and I keep getting the same response : you met all the requirements and are owed the money - we can open another case for you if youd like. Still no resolution 6 months after opening the account! Feels like a scam!

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 2023-01-31
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, 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:
XXXX sent me a letter that they closed my account with no reason. My payments were made on time for the 3 years I had the credit account. 

They are telling me that this is based on information in my credit report which is not there. They also ran my credit without my permission. 

I spoke with an XXXX at XXXX executive response team. He was rude and demeaning, hung up on me twice, refused to give me his supervisor and told me if I called block my number would be blocked.

Company response to consumer: Closed with explanation