BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Today a XXXX XXXX XXXX ( sounded like what he said ) from the checking account investigative unit of Citibank called me. According to him the bank sent him CFPB case # XXXX which deals with the closed XXXX credit card ending in XXXX. He didnt know why and ask me. I told him I did n't know why the bank contacted him but it sounds like their norm of miscommunication. 

My problem with Citi is why did the banks IRU send my closed checking plus payments to the credit card? That checking account ended in XXXX. The account numbers were written on the checks and money orders. I attached copies of the checks because Citi accused me of not paying, yet they cashed then applied the money to the closed credit card. XXXX XXXX kept asking me the same question at least four times. To me this was a rhetorical question ; he knows the answer. 

In addition to the Citi still has not addressed how can a closed XXXX account be a 169 days late as of XXXX XXXX? Now that Citi deducted the misapplied {$150.00} it has increased the amount owed on the closed credit card account. As stated in case XXXX I stopped the monthly {$70.00} ACH to the credit card and will pay {$50.00} a month until Citi gets their act together. I hope soon because they are purposely keeping me in extended debt to them on 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 explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES LISTED ABOVE : ACCOUNTS LISTED BELOW : XXXX  XXXX XXXX {$260.00} XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM MY ACCOUNT OR BLOCK

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 2016-09-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/16, I sent a certified letter to this company requesting for " validation '' via a document bearing my signature that I owe this debt and that it is valid. I waited 31 days, and received no response from this first letter. On XXXX/XXXX/16, i sent a second certified letter to this company asking for " validation '' via a document bearing my signature that this debt belongs to me and is valid. On XXXX/XXXX/16 they responded via a letter, but did not provide anything with my signature on it. Instead stated that I did not provide sufficient information and that I needed to send them documents. Basically giving me the runaround and not providing what I asked for in the two certified letters I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rented a home from XXXX XXXX XXXX in XXXX, in XXXX KS. Sent them 30 day notice in XXXX, stating that i was moving out of the property due to mold and other property issues that the management failed to address ( the home had flooded at least 3 times, causing water damage to the carpets, ceilings, etc. ). In XXXX of that same year, XXXX, XXXX, had sent me a letter asking me to either turn in the keys or an eviction would be filed. No eviction had ever been filed as I returned the keys. A move out inspection was performed w/o my being present, despite my asking to be. I did ask for pictures, but no response was ever given. 
A year later, I received a notice on my credit report from a collection agency, not National Credit Systems, that I owed {$5800.00}. When I inquired about it, i was sent an itemized statement, listing damages that were mostly due to flooding that had happened in the home. In addition, they had charged me for rent after I had left, despite having kept my deposit and owing me money for " concessions '' due various issues i had faced while living in the home. When I called XXXX XXXX XXXX, the original creditor, to inquire about these charges, they could not find my file. I then contacted that collection agency and demanded they cease collections as the debt could not be validated. 
Now the debt is being handle by National Credit Systems I have asked them to validate the debt. Instead, they have the debt listed in my credit file as a " medical debt '' when, in fact, it is NOT a medical debt. 
As the original creditor has no record of this debt on file and is unable to verify/validate this debt, National Credit Systems has no legal standing to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Transunion LLC showing A XXXX XXXX credit card account XXXX XXXX po box XXXX XXXX XXXX PR XXXX Transunion llc mailed me an automated letter saying the account was investigated. I request proof and mechanism of investigation this account does not belkng to me and it is no even on my XXXX  repott Please have transunion investigated withing 30 days and proceed with removal of the account. 
Account XXXX XXXX 120 days late Account never late it was paid please make it current never late XXXX XXXX XXXX XXXX 120 days late Account never late please make it current

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 2023-04-26
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX that XXXX XXXX XXXX added information to my credit report that states my last payment was late and that it was a write off as bad debt. They closed this account without giving me the opportunity to pay off the remaining balance. And my last payment was not late. I feel this is retaliation for the first report I filed against them on another account. This false information dropped my credit score XXXX points.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX  Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.

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 2018-10-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Capital One Auto Finance, in conjunction with XXXX XXXX XXXX XXXX XXXX and XXXX have attempted to extort my family name and family business ever since I went in seeking an auto loan following the illegal activities of XXXX XXXX and their agents at XXXX XXXX XXXX and XXXX. 

I was unable to secure a loan for a new vehicle, I was forced and almost coerced by " XXXX '' " XXXX '', IDK his real name, to sign for a XXXX XXXX at a rate that was the exact same as the rate for the 2018 XXXX XXXX. Once I refused and pressed harder, he literally begged me to get in a new XXXX. 

When I refused that, he then proceeded to act aggressively and in a XXXX manner that made me and the employees at the nearby XXXX XXXX XXXX uncomfortable. 

I do not trust him, I do not trust Capital One on XXXX XXXX and I will never return to ask them for any credit in my name or my business tax ID ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 fourth attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXX 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XX/XX/2023, I sent two certified mails to Convergent Outsourcing INC requesting a debt validation in regards of Debt {$200.00} reported to XXXX, XXXX, and XXXX. Prior to this I have never spoken to a XXXX from this company. 
As of XXXX XXXX, I have yet received my debt validation letter from this company. I have disputes this account several times. XXXX removed and XXXX has remove this account off my account but XXXX stated the company provided proof I owe them debt. 

Which I find hard to believe because I have not received a debt validation letter. 

This company is reporting this debt as a loan on my credit report and I never agreed to loan. 

When I called the company from my cell phone, it automatic transfer me to department without me stating my reason for calling. I was calling to verified their address prior to sending the certified mail and the lady kept trying to get me to update my account information. Which is weird because I don't have account with this company.

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 2019-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency is on my credit report ruining my good name for debt that was never mine that i do not owe and they refuse to remove themselves.I have explained it wasnt my debt but they ignore me and keep reporting it after many attempts to have this removed. I did not have a credit card or anything. 
account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: National Check Resolution Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They had XXXX people call me and say they are coming to my work and residence with the police and that I will go to jail. They are now calling my wife and saying the same thing that they will be out today with the police. I do n't even owe this and I requested they send me a copy and they refused. This is very unprofessional for this company to call and make threats and then call my wife with the same thing. That is why they need to put these loan companies out of business. The companies name is XXXX is name is XXXX XXXX and NCR XXXX XXXX they are very rude people.

Company response to consumer: Closed
Consumer complaint received 2023-07-05
Company: Lockhart, Morris & Montgomery Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company being used now are LOCKHART, MORRIS & MONT. Different companies are being made in attempt to fraudulently collect debt using my personal information associated with Tennessee XXXX XXXX. More evidence can be found in my previous complaint. The item is also being reported with a false address. I've never lived at that address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-11-26
Company: EQUIFAX, INC.
State: NH
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:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Since The first week of XX/XX/XXXX, Ive been trying to access the self service site to freeze and unfreeze my credit, like Ive been doing for a few years now! Suddenly I havent been able to access. I gave it a little while because at the time it wasnt an emergency. Fast forward to XXXX  XXXX when I tried accessing again, thinking that everything would be resolved and fixed with their systems and it wasnt! I called and got the run around, they kept asking me for some 6 digit pin that I wouldve set up years ago when I made the accnt ( which I didnt know/remember because when you access the self service system it doesnt ask you for anything but your sign on and password ). OVERLY frustrated and having to be transferred from rep to rep ( no one in the US ) and being gaslight into thinking I was the issue and avoiding my questions of why I couldnt access my own credit freeze OR report, I finally got transferred to someone in technical support, only for him to tell me its an issue on my end ( which it wasnt ). When I advised him that it wasnt my issue he hung up on me! From XXXX until yesterday XX/XX/XXXX between XXXX messages and TEXT to my phone, nothing! Ive never had issues in the past with TransUnion but at this point, theyre causing me undue stress and hardship not being able to allow ME to access my own stuff! They said they had to perform some type of maintenance but was very vague on what! I need my account fixed NOW! Ive been way too patient for them to be doing all of this! Here today still cant access anything! When I tried to use a service that uses soft pulls from XXXX, its stating they cant access it even though I had to manually ask them to lift it! I shouldnt have to call, write or anything to access something everyone else is able to access using their self service site, service.transunion.com. I have the whole text conversations in my XXXX messages saved! I will upload a portion but its too much to add everything. Also the text messages in my phone! This service has been horrible and its unacceptable! 

Fix my account TransUnion before I hire a lawyer!

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 2023-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found some accounts XXXX  account # XXXX and XXXX XXXX  XXXX my credit report that was not opened by me. I dont know if someone has this account in my name or added me to an account but these accounts do belong to me This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of 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