BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, This company ran hard inquiries on my Transunion credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.

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 2019-02-11
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2012 I called about the validity of the debt after being served with summons. I had insurance at the time thought it was a billing issue. Requested information from the DCI regarding the bill. Dates and type of service. I never received any. I've not heard from them since XX/XX/2012, I thought this was a billing issue and it was resolved. I received a garnishment in the mail last week and called dci to figure out what was going on. She insisted that they had been working the case but stated the last time they tried to contact me was XX/XX/2012. I called the hospital but the record is so old they cant access it anymore. I called back to dci after calling the insurance company to verify the billing which was never provided in XX/XX/2012 as requested. She would not take 2 payments of {$350.00} to satisfy the judgement, even offered to give her my card number to run on two paydays. I called the attorney listed on the paperwork to resolve the issue but they transferred me back to dci. This seems like a complete violation, even their log states that I requested documentation of the unpaid bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Consolidated Information Services Solutions, LLC
State: AL
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:
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX  XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions 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:
Experian is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted Experian, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from Experian and/or the financial company that I was late.

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 2021-09-09
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My son and I had a joint loan financed through Ally Financial Acct # XXXX for a XXXX XXXX XXXX. My son was involved in an accident in XXXX of XXXX. We informed Ally Financial and stated that the insurance would pay and settle the account so Ally provided an extension, ( see Attached letter ). Based on the next letter, My son 's insurance paid for most of the balance, and we received a letter on XX/XX/XXXX stating that clam settlement did not pay the entire amount. ( see attached letter ). We called our gap insurance company who stated that they paid the balance of the insurance that was not paid. We spoke with Ally insurance and told them it was paid, after further back and forth conversation Ally said they would look into it. We then received a letter from Ally indicating that they received the funds and it was misapplied and apologized for the error. On XX/XX/XXXX, we have been harass by Ally indicting that our account has not been paid, In addition Ally, has now reported it to the credit bureau a negative account and our credit scores dropped significantly by 30 points. I am furious about that as I am unable to obtain new credit. I want my credit score reversed back and I want to be compensated due to the stress it has caused me. I worked hard to get my scores 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 2019-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I accidentally sent check to Bank of America : my Bill Pay through XXXX XXXX sent payment to Bank of America instead of XXXX XXXX where check intended to go. I have screen shot I filled in correctly. 
I do not have an account with Bank of America however bank cashed my check and is not refunding credit balance. I called about 25 times spoke with various managers, was promised they would refund the money which is over $ XXXX. 
It has been a month, I still dont have my refund. This money supposed to go to XXXX XXXX to pay my property tax.

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 2019-02-11
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018, A bill that was paid in the amount of {$180.00} to the hospital was reported by Harris and Harris, Ltd as a Delinquency notification. I received a letter from them on Friday and on Monday received a call on my cell phone regarding the debt.

Harris and Harris, Ltd did not cross verify the information if the debt was paid and tried to collect more money. I'm not at all happy with this company 's way of handling any consumer debt when the consumer has proof that the debt was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent a wire for XXXX XXXX from my Wells Fargo bank in Georgia ref. numberXXXX to an agent who worked for XXXX XXXX XXXX who were sending a consignment ( to one XXXX XXXX ) from out of the country. The agents name was foreign sounding XXXX XXXX and I knew nothing about him except that I was to go through him for XXXX XXXX to get his consignment so XXXX XXXX could pay me back the previous loans he had gotten from me. The day the wire was sent it was confiscated by US Treasury Dept. specially the OFAC ( a terrorist division ). They have held the money since then. They demanded to know XXXX XXXX 's passport, id, etc on this man I was told worked for XXXX. I could tell them nothing. I have been making huge payments per mo. on this loan account numberXXXX of {$720.00}. and still owe over $ 30k. My bank told me I would get the money back with interest but it has not happened. They tell me they can not help me any further. I have written 6 letters and made calls to the XXXX but they do not respond. I need my money back so I can pay off this loan. Also XXXX XXXX has disappeared into the ether and I realize he has been using me in all this via a romance scam on the internet. 

I am a retired XXXX yr. old woman with a small pension and can not afford a lawyer. I need someone to intervene for me. Please please help me. My cell is XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I have filed a sherriff report with my county. about XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All of the major credit reporting services refuse to remove a XXXX account that shows an amount due of {$130.00} when the amount owed is XXXX. I had ongoing disputes with XXXX and they ignored my multiple requests to close the account and CREDIT me for defective copper cable and other service deficits. This is a telephone utility, how is this listed as a credit account? My score dropped about 40 points because of this fraud perpetrated by 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 2017-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America is the biggest hypocrite in the banking industry. I had a {$500.00} card with bank of America for 6 years, I was never late nor was ever over the limit. in XX/XX/XXXX, Bank of America gave me an additional card with a limit of {$2000.00}. in XX/XX/XXXX, my nephew died and his family could not pay for the funeral, so in XX/XX/XXXX I took an advance ( s ) from the newer card to help my family defray the cost. immediately in XX/XX/XXXX, Bank of America closed both of my accounts without any notice or alternative. My payment history on all of my accounts, including these closed BOA accounts, for the last 5 years are 100 % on time. on XX/XX/XXXX I called the bank to see if my balance transfer from another institution paying of the remain balance, had posted. the representative told me that she would look into seeing if the credit card could be reopened. After review, she stated that she could not reopen the card on her end and THERE WOULD NOT BE AN INQUIRY ON MY CREDIT. after I hung up the phone with bank of America, I Immediately received an alert from XXXX, XXXX and XXXX  that Bank of America conducted a hard inquiry on my credit, although the representative XXXX, said there would not be an inquiry. Immediately Bank of America does not care about the individuals it serves, it only cares about its bottom line and ROA. They do n't deserve to have the name America in it 's title. I had the card for more than five years and was one of the older trade lines on my credit and when they closed it without notice or alternative it cause me a great financial harm. I feel they suckered me in to taking the additional card

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 2019-02-11
Company: NAM National Arbitration and Mediation
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by this company they call their self XXXX XXXX. I was told I had a XXXX cell phone bill for {$800.00} back in 2004 and I should pay them {$270.00} to settle the debt. I dont remember this and Im being threatened if I dont pay them with in 30 days a lawsuit would be filed against me.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-26
Company: Northland Group Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northland Group claims I owe XXXX to XXXX XXXX. This amount includes a fraudulent charge from XXXX XXXX XXXX in the amount of XXXX on or around XX/XX/2017. Several overdraft fees in the amounts of XXXX were also charged to account which stem from charge to XXXX XXXX XXXX. The transaction was disputed several times, a provisional credit was issued at one point, a rep with XXXX XXXX advised me as per an investigator that the claim was closed in my favor. The credit was later reversed, it appears that rep lied to me. Transaction was disputed several more times, never resolved. As I stated to XXXX XXXX  and a prior collection agency which attempted to collect on this debt, I did not purchase anything from XXXXXXXX XXXX XXXXXXXX and do not own a XXXX. The entire balance of XXXX stems from this one transaction which is fraud and will not pay. Northland Group apparently purchased the debt from the previous collection agency whom I do not have the name of, they were advised of the same information and that I refuse to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS DEBT DOES NOT BELONG TO ME. 
In the early part 2018, I requested validation of debt from IQ Data International Inc regarding the erroneously reporting of a debt to all 3 major credit bureaus. Upon return from a family emergency out of town, I received a letter from IQ Data International Inc stating that the principal balance due in the amount of {$6400.00}, Interest due in the amount of {$410.00} that gave a total balance due in the amount of {$6800.00}. I do not have an account with this agency and when I contacted the alleged original creditor in XX/XX/2018 I actually reached out to the original creditor ( XXXX XXXX XXXX ) at a XXXX # and spoke with XXXX/XXXX  ( not sure on how you spell it ) however, I was not given any information on the account. I later call back to speak with another rep and after asking about information pertain to the alleged account I was advised that all business could be handled with the collection agency. I then began to research/request my public file from XXXX County and seem where there were no files for eviction of any sort for this property or from this collection agency. Upon further research of my consumer rights, I found out that this agency is NOT bonded in the state of Texas, which according to Texas Finance Code 392.101, prohibits them from collection activities. This is the first violation that subjects the debt collector to civil and criminal penalties and entitles me to civil remedies under section 392.403. In addition to the bond violation, a debt collector may not add interest to a balance that were not included in the original contract. Again, although this contract does not belong to me, every time the collection agency reports to the credit bureaus, the amounts continue to increase, even after they failed to STOP reporting during an investigation. There is nowhere in the contract that states any interest will accrue. No one deserves to be victimized by overly aggressive debt collectors and their unlawful practices by them completely knowingly ignoring the Fair Debt Collection Practices Act, which they MUST comply to. I demand that any and all collection activities not only cease and desist but be PERMANENTLY deleted from all records internally and externally within the company, the original creditor and all major reporting agencies namely XXXX, XXXX and XXXX. I have attached a copy of my findings using several searches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
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:
I received a Installment Loan in the amount of {$700.00} in XX/XX/XXXX online from ACE Cash Express.The first payment was debited in the amount of {$310.00} with subsequent payments of {$200.00} with last payment of {$170.00} debited on XX/XX/XXXX. I received email indicated that the loan was paid. On Today XX/XX/XXXX I received email indicating that I still owed {$410.00} on the loan. I contacted the company, who indicared that they have norecord of the recent payment and even with this payment I would still owe {$41000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception.

XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the  C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran   and this Gold Star Family member. Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Nations Recovery Center
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/2019 the amount of XXXX in a cashier checks settlement was paid to Nations Recovery Center apparently im just finding out this company didnt even own this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for National Credit System in the amount of {$1400.00}!!! I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Account information incorrect

Complaint:
On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.

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