BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt they claim from nearly 2 years ago. They only sent me a bill at the end of XX/XX/2018 and demanded payment. 

I have asked repeatedly, on the phone and 4 times in writing for the company to provide evidence and verify the bill is actually due. They have refused to provide any of this documentation. 

In addition, XXXX XXXX XXXX, violated the FDCPA multiple times by continuing to send me threatening letters and now sending me to a collection agency, simply to punish and abuse a XXXX patient into paying a bill they refuse to verify it is due. I have sent them 4 times in writing that I contest the bill and requested they send documentation. They continue to refuse and say a bill with no description is all they have to do. 

My XXXX at XXXX XXXX has stopped using XXXX for his patients as a result of their collection tactics and how they are treating XXXX patients. 

I want these illegal collection practices to stop immediately. XXXX XXXX XXXX needs to verify ( per FDPCA law ) that this bill is due. They have not but continue to threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called and spoke with the creditor on more occasion advising them that this is a fraudulent account. I have asked them to please remove from my credit report. I have also filed a report with the FTC and had to send a motorized letter to them with a copy of FTC report. XXXX XXXX has still refused to remove this account from my name and record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Falls Collection Service Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been debted over {$500.00} dollars for an medical bill in XXXX, where I never lived! Theres no records of me living there either this is identity theft in its purest form!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, I have tried to resolve this with the company and they were not willing to help me. These inquiries were not authorized by me and I am filing a complaint to have them removed asap. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from 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 2019-03-06
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX I opened a checking account with Citi Bank under a promotion under which a {$300.00} bonus would be rewarded with completion of the following 2 terms : 1. Deposit {$15000.00} of new to Citi Bank funds, and 2. Maintain a balance of {$15000.00} for 60 consecutive  calendar days Upon completion of those 2 terms, the bonus would be deposited into the account after 90 days.

After not receiving the bonus into my checking account, I began with what now has been a 5 month battle to acquire the bonus.

At first, the company informed me that they did not have a W9 on file, this was in XX/XX/XXXX, so I promptly printed and mailed back into them. After not hearing from them for several weeks I called and they stated that they had not received it ( this was in late XX/XX/XXXX ), so I resent. 

Contacted them again in XX/XX/XXXX and finally spoke with a supervisor who stated that they received the W9 on XX/XX/XXXX, and that she would initiate an investigation. 

I later received a letter stating that I had not met the terms of the agreement because I failed to open a savings account ( which is clearly not one of their terms of agreement ), so I called on Wednesday XX/XX/XXXX and spoke with XXXX ( Team # XXXX ) who stated that I had completed all the terms and was not sure why I had not received the bonus, but that should would, again, escalate this to the investigation dept, and that she would contact me direct for a follow up in a few days. 

After still not hearing from XXXX, I called today, XX/XX/XXXX and spoke with another supervisor XXXX ( Team # XXXX ), and after another extended phone call, was told that she would take over and escalate it to the investigation dept ( the same one that denied the bonus based on false term ). Informed her that I was contacting the CFPB. She did tell me that she would get back in touch with me by Tuesday, 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 monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX DELETE Employers : XXXX. 
XXXX XXXXP 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I had 3 credit cards with Citibank and all 3 were compromised. Since XXXX I have been trying to resolve an identity/fraud issue with them. There were over {$8000.00} of transactions that were charged to me but not made by me. After several months Citibank completed their investigation and determined the credit card charges were fraudulent. 
However, there was also a bank account that had been opened in my name using my social security number in Florida. Monies was transferred from this card ending in XXXX to a Citibank checking account. I have NEVER had a checking account with Citibank and I have NEVER lived in Florida. I have tried to have this disputed through the bureaus and Citibank will not honor the dispute, I received a letter XX/XX/XXXX saying they needed more information. THEY HAVE ALL THE INFORMATION!!! I have brought this issue up to Citibank 's executive response unit and was told that iiiiii have to call some other department and have them reverse the charges and credit my account, HOW?!?! On an account that no longer exist and has been closed. They gave me a number to call and no one can assist me. I get transferred multiple times back and forth to different departments spending HOURS on the phone with no resolution. I AM TIRED, FRUSTRATED, and FURIOUS. Their last email received XX/XX/XXXX ended with them saying they will no longer respond to inquiries regarding this matter. WHATTTT?!?!?! Meanwhile my credit score is taking a devastating hit. I need a serious intervention and hope you can assist me.

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 2017-09-19
Company: Monterey Financial Services LLC
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Account status incorrect

Complaint:
Equifax and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2023-01-03
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My additional card holders card was missing. We immediately called Best Buy when we noticed his card was missing to report it lost. His card has fraud charges on them. These charges need to be removed off of our account ASAP. I called Best Buy and was told it would be handled but it has not been the charges are still there. Below are the charges that need to be removed. 

XXXX XXXX XXXX XXXX XXXX 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 2021-02-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Merchant : XXXX XXXX XXXX XXXX Charge Total : {$1100.00} Charge Date : XX/XX/2020 I am trying to dispute above charge as fraudulent but the Citi bank portal is not allowing me to submit a dispute. Furthermore, it is impossible to get past their chat bot on the website and get actual person to discuss with. It seems like there are no way to upload documents to Citi on the portal either.

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 2021-03-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
WHERE'S MY CHECK???? CUSTOMER SERVICE XXXX!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: FL
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 a victim of identity theft and I have been a victim for years. I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Equifax received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX ( XX/XX/2020 ) - Is reporting a late payment when I have made all my payments on time

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 2020-12-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
bad warranty and balance on the original contract is different from what they're reporting from my credit report. The false reporting has hurt my ability to obtain credit.

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 2019-06-10
Company: CL Holdings LLC
State: MA
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:
There is this account on my XXXX, XXXX  and XXXX credit files that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX/XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX, XXXX and XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX, XXXX and XXXX  for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The total collection amount of {$620.00} was paid in full on XX/XX/2017 with a promise from the collection agent for account removal on credit reports. The balance is now XXXX but the collection account is never removed from my credit reports. I tried to get this issue resolved, but they are not taking my calls now. They hang up on me multiple times and put me on hold for more than 20 minutes and then hang up. They are very rude and unprofessional.

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 2018-09-28
Company: M.A.R.S., Inc.
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX  not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX   as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/XXXX I sent a dispute letter to XXXX and Transunion to delete an account on my credit report for XXXX. XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX County KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX   XXXX originally posted the collection account on both XXXX  and Transunion in the amount of {$1400.00}. After the judgment, they changed the collection amount on XXXX and Transunion to {$880.00}. I sent XXXX  and Transunion all supporting documents from the court case and after my dispute was " investigated '' by XXXX they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. Transunion stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX XXXX on Transunion on XX/XX/XXXX and XXXX  on XX/XX/XXXX.

Company response to consumer: Closed with explanation