BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2017-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. 
There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.

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 2021-12-16
Company: CCS Financial Services, Inc.
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 was notified via letter ( Credit Collection Services ), on XX/XX/21 about an account that was opened in my name for XXXX XXXX XXXX in the amount of {$440.00}. I informed them that i never ever had a XXXX or XXXX account. They suggested I contact XXXX, which I have done. CCS since then have reported this bogus account in my name to the credit bureaus. I am now in the process of filing a fraud/theft claim with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 have been disputing bank of america on my credit report for months now. Today I received a letter from bank of america stating that I openend this account back in XX/XX/XXXX. First off this is old information ( over 7 years ) and secondly the information they put in this letter is wrong. I did not make any payments after XX/XX/XXXX. I don't no where they are getting there information from but it's wrong. I checked with my bank but due to being over 7 years they are unable to verify from that far back. There was fraudulant activity done on this card back in XXXX. I contacted the bank immediately back then and told them that I did not make these cash advances nor purchases. Today in XXXX this account is still reporting negatively on my credit reports and is affecting my credit score. Bank of america is stating it will remain on my reports from the date of the charge off. Well they charged it off in XXXX. This is not my issue. I contacted them and told them of the fraud back in XXXX. I want this information removed off all my credit reports.

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 2023-09-09
Company: SUN LOAN COMPANY INC.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Calling 4 or 5 times a day. Calling my corporate office and giving personal information on voicemails and people who are not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I brought a car from a car lot on XX/XX/2016. I have never had an original contract with Credit acceptance with my signature that I signed with them. This company keeps reporting the same balance of {$9200.00} to my credit bureaus since XX/XX/2016. I have asked them to send me a legal contract I actually signed with their company they can not produce it. I do not want the contract with the dealer I want the legal contract with my signature and date with Credit acceptance. They are rude and has never updated my updated amount. The company I purchased the car from said the car was {$10000.00} when I looked over the paper work it is for {$19000.00}. This company needs to be removed from my credit report I do not have an original nor new contract with them. I tried calling to discuss this matter but they are rude and do not allow me to talk. I have asked for the oringinal contract also payment history and they will not send me this information.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1600.00}

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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent XXXX different letters requesting validation of the debt. XX/XX/22 and XX/XX/22. The company has yet to respond with legal documentation such as a signed contract, agreement or promissory note which holds me legally responsible for this debt. I have no knowledge of the account nor have I ever opened an account with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was notified by XXXX XXXX that I would be doing business with Mr. Cooper/Nationstar mortgage I paid XXXX for XXXX and XXXX mortgage. Then a email XX/XX/2019 that Mr cooper took XXXX and  applied it to insurance without my permission. I notified them to tell them i sent check for insurance myself and they needed to get my Permission to apply money to insurance when im paying it myself. I dont like there tactics they waited until three days before due date to send me the information which i think is very sneaky

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 2022-10-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AXXXX 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 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 2018-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2019-05-31
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I cancelled my service to XXXX and they said thank you and i thought we were done. Subsequently i received a bill from Waypoint telling me i owed {$310.00} for equipment. I was not informed that i needed to turn in equipment and I did not get any notification that i was being put into collections until it was already on my credit report. When i called Waypoint they said if i paid they would remove it from my credit, i said it needed to be deleted and they said it would be taken care of, so i paid to make sure my credit got cleared, still they did not tell me i needed to turn in my equipment. flash forward a few months it is on my credit still, says paid, but it was not deleted. They said they would not delete it after they inferred they would unless XXXX ( XXXX ) gave them the OK.I called XXXX and they said they would research it and get back to me. I had to call them weeks later for them to tell me they would not help and if i turned in my equipment the would refund the money i paid to the collection company. So now i am stuck with a collection on my credit because of lack of communication by the company and their error to notify 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 2023-04-07
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company who I have never did business with have its customer service representatives call my phone daily and be very rude. I just moved successfully out of an apartment that now has sent my information to national credit systems. This company has violated my consumer rights. I WANT NATIONAL CREDIT SYSTEM TO TAKE ALL OF MY INFORMATION OUT OF THERE SYSTEM. I HAVE PICTURES AND PROOF. I WAS THREATENED By A NATIONAL CREDIT SYSTEMS WORKER. SO I PAID XXXX dollars. This company For XXXX XXXX XXXX. I successfully completed my lease and have pictures to prove it. NATIONAL CREDIT SYSTEMS NEED TO GO OUT IF BUSINESS. I HAVE NEVER DID BUSINESS WITH NATIONAL CREDIT SYSTEMS AND WOULD LIKE MY INFORMATION OUT OF THERE SYSTEM. I DEMAND THEM REACH OUT TO ME FOR PICTURES AMD FOR THEM TO GIVE ME MY MONEY BACK. National credit system bought my account from XXXX I never willingly provided national credit system my information. A representative from their company called me and threatened me to pay XXXX dollars. This company is illegal and should be out of business. Give me my money back. I have sent several pictures to national credit systems and they will not respond. Why XXXX XXXXXXXX do National Credit Systems have my information I dont do business with them. This company is violating 15 USC 168 1B

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Citibank, N.A Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs Citibank, N.A Consent Order but make no mention of Citibanks redress plan, final resolution, or restitutions as required per CFPB.

In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs Citibank, N.A Consent Order.

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 2019-02-27
Company: EQUIFAX, INC.
State: GA
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:
# Confirmation XXXX XX/XX/XXXX I have reported to Equifax multiple times by dispute that XXXX XXXX has a collections account on my profile that does not belong to me. I have reported this to them XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that this account is un verifiable and incaccurate and should be deleted and removed. Equifax has an address and phone number listed that CFPB does not even recognize. How is that possible that the Goverment agency meant to govern collections does not have them llisted but Equifax does? 

I am requesting once again according to the FCRA guidelines and regulations that Equifax remove this account because it is unverifiable. 

I have enclosed copies of the documents from the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion was not consistent with the removal of accounts that are listed within the affidavit of truth I sent on XX/XX/2021. An account still remains that is the result from the approval and authorization of a credit card as defined by Congress in the FCRA.

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 2019-11-08
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX I received a call from this number at XXXX XXXX  while I was at work. The call was on my cell phone, but still I was at work. The call stated it was a spam risk. Then on XX/XX/2019 at XXXX XXXX  a call from the same number of XXXX came to my cell phone and it was also a spam risk call. I answered the second call and I waited another line rang and the lady stated she was from Financial Corporation of America. I immediately hung up the phone. Please check Financial Corporations response to complain number XXXX. They stated they would not call me or contact me anymore and I have asked them not to and they are still contacting me. Please see attached document.

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 2019-10-22
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX KEEPS TRYING TO COect money for an account I never signed a contract for or a property address I have no affiliation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX is not mine and I never have anyone authority to sign for me I asked XXXX for copies of the contract they denied me And my address at XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX charged me 1 year after I was out of contract I emailed them over and over telling them to stop billing me and my service contract needed and I did not want to remark

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On this date from XX/XX/2021 a company by the name of Credence resource Management keep harassing me with phone calls every day early morning, debt amount of {$380.00}, the old company who bought the debt was XXXX XXXX XXXX  which deleted the debt of my credit report cause they had no supporting documentation, here it is this other company is trying to do the same thing to get money out of me CREDENCE RESOURCE MANAGEMENT which I think is unfair,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts listed below need to be deleted off of my credit report IMMEDIATELY Account Name : RESURGENT RECEIVABLE. Account XXXX : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company response to consumer: Closed with explanation