BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX, XXXX around XXXX I was contacted by a XXXX party who stated XXXX contacted them in regards to a debt I owe and disclosed all of my personal information including my mailing address without verifying who they were speaking to. I was told the call was recorded and the XXXX party spoke with a member of management and complained as well about the agent who disclosed all of my personal information to them.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with accounts and inquiries I did not authorize

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : a creditor may not treat a payment or a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-02-02
Company: Frost-Arnett Company
State: OK
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:
Mismanagement and handlind of patient account and chart XX/XX/XXXX I received a collection letter from Frost- Arnett from XXXX XXXX XXXX XXXX XXXX 
My Physician is XXXX XXXX was at XXXX XXXX  and they sold/bought out/hostile takeover and the accounts were sent to XXXX XXXX XXXX XXXX XXXX unbeknownst to me. This took place based on the new staff in XX/XX/XXXX. 

I had a bill for {$220.00} and called the XXXX XXXX XXXX to pay was told I could not pay the office and that the new billing office would contact me. 

Months later, I received a text as to how to pay, and when tried to pay, was told the patient account number was wrong and referred back to my doctors office. 

I called XXXX XXXX  office and they did not have my chart and I would need to sign a document to get the file back from XXXX as XXXX XXXX new owner, did not get my chart, ( even thou I am still XXXX XXXX patient ) he did not own my records. So confusing. 

I then received a text to pay on-line and again, could not open as I did not have my new patient number to access the portal link. 

XX/XX/XXXX I received a collection notice for account XXXX to pay Frost-Arnett. I called XXXX XXXX  is who now XXXX XXXX and was told my account was sent to collection under patient # XXXX under XXXX XXXX and they had no records and that I had been reported as derogatory. I was then advise to call the corporate office as the local office did not handle any of the billing office. I called corporate XXXX and was unable to speak to a person, as the voice system only allowed to pay by phone and must have a patient ID number, of which when I put the patient ID into the system and it would not accept # XXXX. 

This company both XXXX XXXX and XXXX XXXX XXXX has poorly handled my patient records ( I can not get copies ) and my billing account. They have mismanaged the entire process due to a hostile split between the two entities and thus reporting my ( me/bill ) as delinquent and issued a late pay and collection notice to my credit bureaus. 

XX/XX/XXXX I have not and still can not pay the bill and the reporting of this derogatory to my credit file is unjust and I want any negative reporting corrected and apology on the mishandling of my patient chart and billing. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my Barclays credit card was stolen from my car and was used in XXXX store for {$1300.00} without my authorization. Five attempts including emails and phone calls have been made with Barclays Bank since immediately after the crime regarding removing this charge. However the written response from the bank determined this charge to be valid without any reason given. 

I was shocked. With detailed police report ( XXXX XXXX Police Department # XXXX ) and other evidence present, how can this transaction be determined VALID? Has the signature been verified during the investigation? The bank does not response any more and does not remove the transaction. This is totally unacceptable.

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 2019-08-07
Company: Experian Information Solutions Inc.
State: DC
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 spent considerable time on the telephone and going through several " escalation '' personnel to try to resolve the issue with XXXX XXXX XXXX. This involves an account that was closed at my request and regular payments were debited from my checking account until the balance was paid in full. When the debiting stopped, I assumed the debt was paid. Three years later I received a 1099-C from XXXX XXXX XXXX indicating a cancellation of debt in the amount of {$890.00}, which was supposedly the remaining unpaid balance. XXXX XXXX XXXX would not let me pay this amount when I offered, saying that it was already written off of its books. I received a tax bill from the IRS for the {$890.00} increased income, resulting in additional taxes of almost {$300.00}, which I paid. This appears on my credit report and will come off in XX/XX/XXXX. However, XXXX XXXX XXXX has decided to " update '' the account and is now reporting {$890.00} past due every month, resulting in a monthly decrease in my credit score.  This {$890.00} debt does not exist. It was written off by XXXX XXXX XXXX in XXXX, it was charged as income to me and reported to the IRS, I paid income taxes on it, and XXXX  XXXX XXXX took a tax deduction for a bad debt. They can't come back in XX/XX/XXXX and report the amount as still past due.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts 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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON 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 2022-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have never sent the trust document showing these guys where suppose to take care of my dad and i was sick and doing a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wanting to sell my business and with XXXX XXXX in revenue for my business same as every year 14 years and nine years best yoga school of XXXX. the revenue XXXX was XXXX XXXX for XXXX XXXX in costs. but there is XXXX XXXX in revenue that goes to? if you look at the statements there will be XXXX in income in a month and XXXX in spending it and nothing but transfers. to noplace a manager gave me a transfer page that showed an extra transfer for every transfer. and any transfer without a not from me did not happen. 
My father and i built 5 yoga schools and we spent XXXX XXXX in 14 years and in 18 months there is XXXX XXXX gone but at the the loans on the house where to write of the XXXX income from my dads investments and these guys. started stealing that with my bookkeeper XXXX XXXX in XXXX and the first checks went to XXXX XXXX XXXX and where altered, then to XXXX XXXX  to launder the money for them, these guys had already stolen XXXX XXXX before they start the checks to the dummy account they opened ending XXXX I never deposited one check in that account. I never made one atm transfer these guys did, so here is the trust documents and again my sister my brother in law, my father and my ex wife all walked through the bank in both XXXX and XXXX and shown where everything was and who the trust managers where and two years later they deny the whole thing. 


so here is the orignal download to XXXX and i included just the payments to wells fargo this time and all the thing spent the cards from the original download to XXXX in XXXX I am plan to be the biggest thorn in their side till the day die ... their piece of garbage lawyers, the judges to my cases, IRS, FBI ic3 and law enforcement will recieve a full color printed version of the published blog with all the examples i cannlot get to reproduce on this site.

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 2017-10-04
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied Insterstate LLC XXXX is a 3rd party and they along with XXXX XXXX XXXX XXXX have been harassing me under a former married name as well as calling and sending mail to my job demanding a wage garnishment for a Federal Student Loan and threatening my job with suing them if they do not comply. 

The harassment started when I applied for my first Credit Card ( XXXX XXXX ) in my life through the XXXX XXXX Link. 

I never had a Student Loan and am a client of XXXX XXXX XXXX because I am a Identity Theft victim. 

The Law firm as let me know that there has never been a student loan on my credit report not now or ever and that goes for all 3 credit bureaus. 
XXXX XXXX XXXX has stated on their recorded line that these 2 companies are a known scam companies. They have also stated on their recorded line that if my job did the garnishment that all of my jobs info as well as finances of the company the scammers would have access to. 

I need for the harassment to STOP ASAP. 

Many thanks,

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 2017-10-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I took a withdrawal of XXXX from my XXXX XXXX XXXX account using a Citibank ATM outside of the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am also a Citibank customer and attempted to deposit {$900.00} cash into my citi checking account ( {$800.00} from the previous withdrawal and {$100.00} cash ). After attempting to deposit the cash 3 times, the machine gave me credit for {$330.00} and then spit out a error ticket claiming an error occured and to call customer service taking my whole amount of {$900.00}. I immediately went in to the branch and was told there was nothing they can do, and to call Monday. After 7 attempts of reaching someone Monday with no luck, I called Tuesday afternoon and spoke to customer service. I was told they have no information and to contact the branch. I called and spoke to a woman by the name of XXXX, she explained they would " escalate '' my issue.I was called at EOB on Tuesday evening and told the amount would be in my account in the morning and I would be called in the morning. No one called. I called back and was told, I now have to wait 7-10 business days as they are investigating something. They said there is nothing they can do and I need to wait. How is this legal? they have {$600.00} of my money, I have bills, they told me they found the discrepancy and yet I have to wait? I have bills, and a life to live. HOw is this fair that I am being punished due to an ATM Malfunction?

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 2021-06-10
Company: United Collection Bureau, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by this company in regards to a medical debt. I informed the company that the debt was never sent my my health insurance. They stated they would send to my insurance. I also informed them that this was for a work related injury while in the military. Then I saw a negative report show up on my credit score from the same company that stated they would send the claim to my insurance. I contacted my insurance company and they stated they never received a claim from the creditor in their records. I then contacted the company to attempt to get them to send the claim forward and request why they did not send this to my insurance as they told me they would do. They also claimed that they did send it to my insurance even though my insurance company has no record of the claim being sent to them. They stated that another firm took over the debt and they would not help me. So, then company put a negative remark on my credit for a bill they refused to send to my insurance to get paid out for a work related injury while on military duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Westlake Services, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX, 2017, I had an appointment with XXXX XXXX XXXX to fix my coolant system problem. Unfortunately, I found out my vehicle was impounded at a near by police station. I contacted XXXX XXXX XXXX to let them know about the situation and to retrieve the vehicle so that it can be fixed. On XXXX XXXX, 2017 XXXX XXXX XXXX  retrieve the vehicle from the impound and I was told that there would be a XXXX dollar towing fee to get the vehicle back. I advised XXXX  the sales manager that I would be down the weekend to pick the vehicle up. I arrived at XXXX XXXX XXXX XXXX XXXX, 2017 at XXXX XXXX thinking that they were just closing, but they closed at XXXX. I spoke with XXXX he said that he was thirty mins away on his way home. I again advised him that I would be back the following weekend. I called all threw out the week trying to see what time I can come and pick the vehicle up. I never got a hold of anyone receiving the run around. I made my car payment of about 300 dollars on XXXX XXXX, 2017. I contacted the bank west lake financial about my next payment and to see if they could find out what was going on about my vehicle. I was told that XXXX XXXX XXXX purchased the contract back on XXXX XXXX, 2017 with a ACH back from the bank and that my account with them was closed. XXXX XXXX XXXX advised the bank that there was never a contract on the vehicle. I was sent via text message to refinance the vehicle from sales manager in the amount of XXXX dollars. The bank also refunded my car payment to XXXX XXXX XXXX. This fraudulent experience I received was very unsatisfactory. Both the bank and XXXX XXXX XXXX were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX has called and harrassed me several times since XXXX about a credit card that I reported stolen to them. They did nothing about it. I was living in XXXX XXXX at the time. I moved to XXXX, and they somehow gained my address and phone number and continued to call and harrass me. They started to threaten to sue me. The debt is well above the amount of credit which the card was issued. On XXXX/XXXX/XXXX around XXXX, someone came banging on my door to serve me with a lawsuit. I was told that there was nothing for me to sign and I was not gicen a name of the delivering individual. After viewing the paperwork I also noticed that it shows that I am married. I never have been married, nor have I told anyone that I was married.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/XXXX I submitted a dispute to Transunion for 2 listed bankruptcies that were being reported on my credit report. They came back verified on XXXX/XXXX/XXXX. This dispute was mailed certified. I spoke with 3 different representatives to see how the information was verified. I was told by 1 person indicated the  bankruptcy court. I went on to tell her I mailed in documentation from the US bankruptcy court that indicated that they do not verify anything with the credit bureaus and do not verify anything electronically. She indicated this has been received. The 2nd person indicated that do not have to give me that information and the 3rd told me I should know who report the information. On XXXX/XXXX/XXXX I mailed in a request for the procedure of verification certified ( Received XXXX/XXXX/XXXX ),  I requested the information used to verify the bankruptcies and the information of who verified the bankruptcy. As of today XXXX/XXXX/XXXX I have not received a response. 

Additionally, I mailed a request to dispute inquiries and update personal information on XXXX/XXXX/XXXX, I never received a response regarding the inquiries as of XXXX/XXXX/XXXX. I spoke with XXXX on XXXX/XXXX/XXXX who indicated that it has been received. I was aware as all of the requested personal information had been updated.

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