BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: Diversified Consultants, Inc.
State: GA
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:
More than 4 time I called them they pass me to XXXX XXXX XXXX 
XXXX  XXXX XXXX pass me back to collection department and they pass me to diversifild consultant and this cycle turned for three time. 
Just you owe nothing but they dont know what is the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: FIRSTBANK
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:
This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by FIRSTBANK. I have not been in a firstbank branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have several collections from US Dept of Education that are reporting inaccurately. I have contacted the US Dept of Education and they have told me to take it up to the bureaus. I have been disputing the account for some time now but nothing gets done. These accounts are all consolidated, I consolidated them a while ago. They should no longer be in collection status. Please fix as this is severely affecting me being able to move forward with my home loan.

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 2019-06-30
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1 Agreement with your client that grants you the authority to collect on this alleged debt. 

2 Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3 Any insurance claims been made by any creditor regarding this account. 

4 Any Judgments obtained by any creditor regarding this account.

5 Name and address of alleged creditor.

6 Name on file of alleged debtor.

7 Alleged account number.

8 Address on file for alleged debtor.

9 Amount of alleged debt.

10 Date this alleged debt became payable.

11 Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13 Complete accounting of alleged debt.

14 Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

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 2021-03-24
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened up a Gemini account on XX/XX/XXXX providing the required documentation such as the Drivers License and verifying my bank account. I was subsequently able to transfer {$1000.00} from my bank account into the Gemini account, which then was traded for XXXX. XXXX was sold subsequently at a loss for {$930.00}. Since then I have tried to withdraw my money from the Gemini account and have been unsuccessful. I was able to transfer money but now they will not let me with withdraw to the same bank account. 

This has now been un-going for one month - Gemini support will not respond to me, and my account continues to be in the " getting verified stage ''. I want access to my money and for it to be returned to my bank account. 

Gemini - Opening date XX/XX/XXXX XX/XX/XXXX - E-mail confirmed, Bank account verified stating funds can be transferred into the Gemini account. 

XX/XX/XXXX - {$500.00} transferred from Checking to Gemini XX/XX/XXXX - XXXX  purchase for {$500.00} XX/XX/XXXX - {$500.00} transferred from Checking to XXXX XXXX Second XXXX purchase for {$500.00} Message stating bank transfer limit has been reset to be able to deposit up {$5000.00} XXXX - XXXX sold for {$930.00} - deposited into Gemini account XXXX to XX/XX/XXXX Attempt to withdrawl {$930.00} to bank account unsuccessful - states " verifying account '' XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE XX/XX/XXXX : E-mail message sent to Gemini support to request assistance with withdrawal and verifying account - NO RESPONSE They did respond to a XXXX message, but the XXXX account is not associated to my account and the e-mail address used. In this response they only stated that I should send a message from the e-mail associated with the account - which I did and they did NOT respond. 

I want access to my funds, for them to be returned to my bank account, and the Gemini account closed from there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been disputing accounts with the bureaus for months now and I have yet to hear anything back from them. I have serious negative information on my account that needs to be resolved. Please fix immediatley.

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 2019-06-30
Company: MONEY SOURCE, INC., THE
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2019, The Money Source ( TMS ) acquired service of the mortgage on my home. At that time there was an outstanding hail damage ( roofing ) repair to be made, first half of the insurance check to cover repairs had been released by my previous mortgage service provider XXXX. Due to weather and backlog, our roofer did not complete repairs until early XX/XX/2019, at which time my wife began to make attempts to have TMS to begin their procedures to close out this repair and pay the roofer his final check. Following two weeks of attempts, I had to once again give TMS permission to speak with my wife as now they state that I can not give verbal permission over the phone and must do so by mail ( given different stories on how to go about this by each person I spoke with ), anyway after giving what TMS said is last time of verbal permission, their representative told my wife that they do not have the funds from the insurance claim nor have any knowledge of this, as well she was told that we would have to figure out where the funds were. I specifically spoke with an agent from TMS in XXXX concerning this claim and my concerns about this going smoothly, I was assured that after a period of about 30 days funds would be ready for release following inspection of completed repairs. My wife and I have both spoken to an agent from XXXX who states that funds were wired to TMS, however XXXX has yet to provide proof, this has been going on since approximately XXXX XX/XX/2019. Repairs on my roof are very close to 30 days past, at which time the roofer may choose to submit a lien on my mortgage, which will affect my credit. Check amount is $ 4,600+. There is no record available to me anywhere indicating where these funds are, as if they just disappeared. I am beginning to suspect insurance fraud by means of asset diversion. I do not know or have proof of which company ( XXXX or TMS ) has these funds, I do know that my wife and I signed the insurance check and submitted it to XXXX upon recipt from our insurer. As our current mortgage service provider, TMS should be providing assistance with getting this matter settled and to prevent a lien being placed on this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: CREDIT BUREAU OF NEW ULM, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I went to the emergency room I have insurance that paid the bill my insurance is XXXX XXXX id # XXXX XXXX XXXX XX/XX/XXXX thats all the info youll need to show you Im not lying about my insurance and the debt is still on my credit. I was informed by my insurance company to let yall know directly again so I am. Thank you and have a blessed day.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-12
Company: Radius Global Solutions LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation results.

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 2021-09-04
Company: CITIBANK, N.A.
State: TX
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 was charged {$75.00} by XXXX in XXXX of XXXX. I disputed this charge as it was authorized by ex-wife on an old Citibank credit card account ending in XXXX. I had cancelled this old card and received a new card ending XXXX in late XXXX. After providing information to Citibank they removed the charge in XX/XX/XXXX. However, they allowed XXXX to charge my account ending in XXXX again in XXXX of XXXX. I disputed this charge again and Citibank has now come back siding with XXXX and added the charged back to my account and are now requiring me to provide proof that I cancelled the service. This is a service I never requested and have had no contact with XXXX. XXXX has not sent any communication to physical mailing address or my email address so I have no means to cancel this service that I never set-up.

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 2021-05-14
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:
Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions 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:
sent ftc to Experian and northern leasing company please remove the inaccurate information I sent the documents

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 2020-04-24
Company: Experian Information Solutions Inc.
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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit Experian Report Number : XXXX Account Name : XXXX/XXXX   Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX  XXXX  Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help

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 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my Capital One credit card in full on XX/XX/2020 of {$6000.00}. On XXXX XXXX they charged me interest of {$69.00} on a {$0.00} balance. I tried several time to call and they stated that they can charge interest on the balance from a previous billing period. I was charged over {$130.00} each month in interest so I paid it in full. The next to last call the woman stated they could waive the charge due to Covid. The last time I call the person barely spoke English and hung up on me. I tried to call back but no one would answer the phone. Today, I looked to see if they responded to my letter and found they charged interest on the interest. I am frustrated as this is a huge company and the idea that they can charge interest on a {$0.00} balance ( bill was due XX/XX/XXXX ) is outrageous.I have XXXX  small children and used my income tax to pay off this debt. I no longer have the Walmart Capital One card as I misplaced it. Is this common practice to charge interest after the account is paid in full? I am closing this account but I do not want this balance reported to the credit bureau as default. I am struggling to keep my home and pay monthly bills hoping this situation can be resolved. I paid off other credit cards and not one charged me additional interest after paying in full. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against IQ INTERNATION DATA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted XXXX, Transunion and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to 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 2019-06-30
Company: Phillips & Cohen Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is for National Credits Systems and XXXX XXXX XXXX. I moved out of these apartments in XX/XX/XXXX do to unsafe, unhealthy and a unlivable conditions. ( I have documentation of this and witnesses to confirm ) I reported them to the health department as well as wrote a complaint to the company executive leadership. I was sent a document showing that they 'wrote off ' all the costs and the balance was XXXX. In addition, the items that that were written off were charges that were due to the apartment being in poor condition not from me. I heard nothing else until six months later National Credit Systems called me demanding money and refused send my a statement showing what I owed. They actually wanted me to pay over the phone without any documentation. Finally in XXXX of XXXX I get an invoice with the ridiculous charges. 
I was told when I reported the apartments to the health department that they might retaliate and this was their way of doing that. The apartment manager actually threatened me with eviction if I did not stop complaining about the apartment and the conditions. The apartments have since been sold and the manager was fired. At no time was I sent an invoice saying that I owe anything ; they went straight to reporting to collections. In addition, after the mold infestation and horrible living conditions I owe nothing. The apartments were in breach of their lease agreement by not providing a safe and livable apartment.

Company response to consumer: Closed with explanation