BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: Integrated Recovery Services
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received repeated calls from XXXX XXXX and a XXXX XXXX. I returned the call after several empty threats that I would be arrested if I did not reply by a certain date, one was to reply by XX/XX/XXXX and then more calls were received that I had to respond by XX/XX/XXXX. The  date kept moving, I had not received anything via mail and I finally had enough and called back on XX/XX/XXXX and I left a message they needed to tell me what this was about. the next day I received another call with more threats, and then it escalated on XX/XX/XXXX when he started calling me at work. I told him that was my work and he could not contact me there. He kept calling back, I told him again to not call me at that number and he kept calling. I finally told my co-workers to hang up, and he kept calling. Finally I went to my manager and asked him to take the call and he got on the line, told XXXX XXXX that he was not to call there and then XXXX XXXX started cussing at my manager and threated him, he told him that he could not protect me, called him derogative names, and threated to call back every minute all day long to tie up the work phones. I received another voice mail at XXXX XXXX on XX/XX/XXXX that " you do n't act in that manner to a business matter and should grow up ''. I received another call from an unfamiliar number the other day so I called back - I got a recording that it was XXXX XXXX so I hung up. Now the calls and threats have started again. I have the voice mails saved if you need proof, and my manager will testify to the threats received at my workplace if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Comes Forth Your Petitioner States that XXXX XXXX has purchased a debt from citicards while the account had an open previous dispute with the previous company. XXXX XXXX   Purchasing this debt from citicards assumes the debt and its liabilities. XXXX XXXX  has failed to address the dispute of a bill not being received and transactions on the account. XXXX reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with XXXX and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this.

Petitioner is requests CFPB order XXXX  to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on citicards to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.

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 2018-10-03
Company: Ashton & Weinberg, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Falsely claimed that they are attorneys. 
Falsely claimed that we have committed a crime by Violated Federal Freight Laws. 
Used obscene or profane language, or repeatedly use the phone to annoy someone. 
Threatened and have called customers and vendors slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
i have settled this acct with a payment and the creditor has not removed this paid acct from the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice of a debt that is not mine. I wrote to the company within 30 days of receipt, as is my legal right. Today, I found my credit score has dropped by 27 points and this company was listed as the cause, having made a false report. I disputed this via XXXX. After having made the dispute, I noticed the collection agency reported this misinformation to XXXX   PRIOR to their even MAILING the letter to me. I believe this is illegal and want this removed from my credit report ( s ) IMMEDIATELY. My payment history is 100 % and I want this permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 an inquiry from XXXX XXXX XXXX was made. Company was called and contacted on XX/XX/2019 no reply or validation from XXXX XXXX XXXX XXXX Experian. Please help me resolve this matter to delete the inquiry. These company did not have my permission to assess my credit report.

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 2020-04-30
Company: LEXISNEXIS
State: NC
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:
ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Clarity Services
State: NC
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:
ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
Comes Forth Your Petitioner States that LVNV Funding has purchased a debt from XXXX  while the account had an open previous dispute with the previous company. LVNV funding Purchasing this debt from XXXX  assumes the debt and its liabilities. LVNV funding has failed to address the dispute of a bill not being received and transactions on the account. LVNV reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with LVNV and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this. 
Petitioner is requests CFPB order LVNV to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on XXXX  to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CL Holdings LLC
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:
A debt collection appeared on my credit report on XX/XX/2018 for an amount of {$130.00} dollars from XXXX XXXX XXXX. The original creditor appears to be XXXX XXXX. However, I have never been contacted about this debt and I have never had any business dealings with XXXX XXXX. I have bank statements and cell phone records to prove that I have never associated with XXXX but have not been contacted to validate the debt. As such, I am certain this debt has been erroneously attributed to myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Note : This is my Second complaint to CFPB and my 5th dispute with Experian.

Experian have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) that's required by the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this Negative UNVERIFIED ITEM

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 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX  OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS

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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Bank of America. At the beginning of XX/XX/2020, Bank of America assessed a {$5.00} fee on my mortgage, without giving any reason. Whats more, they marked this {$5.00} as past due, probably with the intention to rush me into paying at as soon as possible. Since its just {$5.00}, I paid without asking why. 

And then they got greedy. At the end of XX/XX/2020, they, once again, charged my mortgage with {$5.00}, also called it past due, without giving any reason. 

This despicable practice of Bank of America deserves a serious investigation.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXX/XXXXDispute all filed to ftc and here violations attached and uploaded

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute all filed to ftc and here violations attached and uploaded

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 2020-04-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Best Buy credit card and have recently started being charged a monthly {$35.00} fee for " Debt Protection '' Citi Bank claims a third party is charging me and they can not do anything. However, this is a massive issue on the Best Buy forums. I did not consistent to this and have had this card for over ten years and this just started showing up. I have lost over {$600.00} going back through my transactions. I want this fee terminated and my money refunded!

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 2020-04-30
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXXXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXX/XXXXDispute all filed to ftc and here violations attached and uploaded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CUSTOMERS BANCORP, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX ( Bank Mobile ) made an ACH transfer for {$350.00} AVAILABLE before it got cleared. The end result, it never cleared and now i owe Bank Mobile Money for making it available? if overdraft protection was ACTIVE like i have plenty of XXXX  saying then i shouldnt have been able to go over {$50.00}! They took {$350.00} back 5 days later XXXX  up my finances DURING A PANDEMIC. NOW they got most of my unemployment AND {$98.00} from my Small Business loan i  received today. This is NOT RIGHT AND IF YOU SAY YOU ONLY COVER UP TO {$50.00} THEN YOU HAVE A LIABILITY TO SUSTAIN THAT AND NOT ALLOW ME TO MAKE MISTAKES BASED ON WHAT YOU ADVERTISE. 

I called XXXX Executives to help and their response was " We don't have access to our own accounts. '' 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 monetary relief
Consumer complaint received 2019-06-24
Company: Lamont, Hanley & Associates, Inc.
State: CA
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:
Sometime between XXXX XXXX XXXX, I logged in to XXXX XXXX XXXX website. From that Website I e-mail the customer services informing them that I will not renew my car insurance with them because they increase my insurance premium almost every six months. 

Every six months they ask for my authorization to confirm my Autopay with my XXXX ending # XXXX. I did not confirm authorization XXXX for XX/XX/XXXX to XX/XX/XXXX. 

However, they decided to collect XXXX from my XXXX ending # XXXX, XX/XX/XXXX {$230.00}, on XX/XX/XXXX {$230.00} and XX/XX/XXXX {$230.00}. They did these without my authorization. I contested these bills through my XXXX and they open a Fraud investigation, I received a demand letter from collection agency dated XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NH XXXX PHONE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXXwith a balance of {$0.00} -This is not 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