BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: Investigative Concepts, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed. 

When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me. 

I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring. 

I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a mr.kelsey works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
i submitted information online again today after speaking to a agent and was told that they never received my XXXX compliant that was sent from you guys to them on XX/XX/23. I did not authorize the following company 's to access my credit report or applied for any credit with these company 's XXXX XXXX, CXXXX 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD 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 2023-05-18
Company: W&A Intermediate Co., LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me for a alleged debt for a hospital bill. They had been told multiple times not to call me and send me a itemized invoice for this alleged debt from the hospital. They called XXXX and I advised them again not to call and a certified letter was sent to their company in regards to this matter. My insurance carrier also told me the bill was paid in accordance to the law and that this would fall under the Federal Law of The No Surprises Act. They then called on XXXX from XXXX after they were told not to call. This is a clear violation of the FDPCA when they were told again on XXXX do not call me and to only contact me via mail and that I had sent them a certified letter in the mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-01-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used XXXX, XXXX PayPal company to send money to my contact " XXXX XXXX '' in XXXX. 

XXXX is saved as a " XXXX '' in the XXXX XXXX  and I usually select the contact and use the " swipe to send '' option. 

I have successfully transferred money to XXXX in the past through this option. 

However for transaction XXXX, I used the same option, but the money never reached XXXX. 

I reached out to XXXX multiple times ( at least 7 times on the phone- each time the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I need to call back ) and it never got resolved. 

I wrote to XXXX customer service and they responded saying " We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. '' I did not use an incorrect account number. I just used the account number which was stored in XXXX for my contact. So, this transfer going to an incorrect account, is a problem with XXXX system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: Nelnet, Inc.
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:
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.ZERO OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last two months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/XXXX  for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. 


Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. 

But Citibank , N.A . ( My bank ) sent me a letter that I am responsible for the unauthorized and fraudulent charge. 

Citibank Dispute ID # : XXXX This is an illegal act by Citibank and I should get my money back. 

I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report The police report about the theft of my identity The letter from Citibank stating that I am responsible for the fraudulent charge and they will not credit my account.

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 2023-03-09
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly sent my final bill to the collection agency, showing the amount owed to me he original creditor. ( {$100.00} Final Bill Statement from XXXX XXXX XXXX ) The collection agency, afni, sends me correspondence letters stating I must pay {$930.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.For your benefit, and as agesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized CCR Date of Inquiry : XXXX  Please remove it from my credit report.

3. The inquiry was not authorized QUALITY Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX Date on iquiry : XXXX Please remove it from my credit report.

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-06-21
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: Account information incorrect

Complaint:
During the covid pandemic on 2020 I did a forbearance with XXXX XXXX, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to XXXX mortgage. Neither company or informed me until I received an email from XXXX that they didnt receive my XXXX payment. I pay all my mortgages XXXX weeks earlier and I am paid up until XX/XX/2022. I called and emailed XXXX, how did I know I could even trust them when I was never informed? I explained situation they said they would investigate. They wrote back saying there was nothing they could do bc fannymae is struck but theyd try!? Im paid up so I m very upset. I called NewRez she said Newrez wired money to them 3 days ago. She also said Newrez made a mistake and deposited my XXXX payment for XXXX toward escrow. This was Newrez mistake. They said the would try to send to serving ti first x but most likely wouldnt be able to since not their loan anymore. They said XXXX just had to call them and they would verify to fix. I called XXXX and they refused fo call they said I had to send bank statements. Hi m getting run around with both companies. Not acceptable since neither informed me of change, Newrez deposited my check incorrectly, and not only do I pay on time but XXXX weeks early. Im not going back and forth anymore. XXXX and Newrez need to resolve this ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX  agreed to delete the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We wired {$80000.00} on XX/XX/XXXX from XXXX  XXXX XXXX to XXXX XXXX XXXX, the receiving Bank is HSBC BANK USA, NA. The beneficiary didn't receive the founds {$80000.00}. Then, we asked XXXX  XXXX XXXX to recall the founds back, they send three recall message to HSBC bank USA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, But HSBC BANK USA never responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I checked my report for accuracy and saw an account for NATIONAL CREDIT SYSTEM from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. NCS agreed to delete the account from my reports.

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 2020-12-15
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, 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:
XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute  all ftc violations enclosed and listed here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My issue has to do with Consumer Fraud and a Case Intake filed with the New York Attorney General 's office XXXX XXXX, since Citibank is based out of New York , NY. What happened? : On XX/XX/2023 I recieved an email with Social Security logo on the letterhead. Beneath the logo was a Case No. : XXXX. Then the word Alert! then my email address. Then, in the body of the letter it starts : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation. You should not use this number for any future transactions. '' Then it says : ( To know the reason of the termination in details ) call toll free number XXXX ( XXXX ) XXXX and I did. A XXXX XXXX XXXX answered my phone call. He transferred me to a XXXX XXXX XXXX. He asked me did I have a bank account. I said yes. He said he needed me to get XXXX remote desktop application from the XXXX store and upload to my XXXX. I did. He wire transferred the moneys in question. I am showing in this complaint - that the domestic wire transfer of XXXX from my Citibank 's personal checking account was for {$5700.00} plus {$25.00} bank wire fee, along with {$500.00} XXXX transfer to an XXXX XXXX at XXXX by a XXXX XXXX at XXXX ( XXXX ) XXXX were acts or practices that are consumer-oriented, and have a White Collar Crime flavor that was misleading in a material respect, ( The SSA letter XXXX and that I am the victim and was injured as a result of this deception. The {$5700.00} was wired to XXXX XXXX XXXXk routing # XXXX and to account XXXX. Citibank 's XXXX ; Citibank 's General Counsel and several others has been informed but to no avail. The New York Attorney General also has the power to enjoin deceptive consumer practices or to initiate enforcement actions against any person or business that engages in deceptive acts or practices or false advertising. The harm totals {$6200.00} which needs to be returned to my Citibank checking account.

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