BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: Meyer & Njus, P.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife paid off a debt in XXXX XXXX to XXXX XXXX regarding a XXXX XXXX card she took out in my name. She had proof the debt was paid and after dealings with a collection agency in Ohio ( XXXX XXXX XXXX ). The payment was confirmed by both XXXX and by XXXX. At that time ( XX/XX/XXXX ) this matter was closed and the debt was paid in full. she had previously filed a complaint with CFPB to help resolve this matter and your file show case closed. Then in XX/XX/XXXX I began to receive advertisements from local attorneys regarding a lawsuit against me from XXXX XXXX in the amount of {$1900.00} in XXXX County IL. Not knowing what this is about I called XXXX and got nowhere. ( I have also filed a complaint with your office against XXXX and their tactics ). Finally I was referred to a XXXX attorney Meyer & Nju, XXXX advised that they could help me with my questions. I tried calling their office and was told they did n't know who I was or had anything on file. Then I mailed a letter to XXXX XXXX XXXX in XX/XX/XXXX and received no response from them. Then in XX/XX/XXXX I receive a notice that they are filing a lawsuit against me. I have contacted them to advise that this debt was paid, what do you need to resolve this and those emails have gone unanswered. Should I have not received something from Meyer & Nju prior to getting notices form XXXX XXXX XXXX 's advertising mailings??? I would have been more that happy to address this matter way before we arrived at this point. There were no collection inferences on my credit so I had no idea this was coming. My wife got this card in my name which was part of the problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express  has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX I challenged an account shown on credit for 3-4 months through link provided by XXXX XXXX site. The account was XXXX XXXX ( XXXX XXXX XXXX ) in amount of {$290.00}. My reason for dispute was account not known. I checked my scores with XXXX  on XXXX and was delighted to see this account dropped off my report. XXXX  provided me with a link to see how my credit changed as DIRECT result of removal. I was horrified to see Transunion dropped a huge 22 points from score ; while XXXX  increased score by 15 points. I contacted Transunion again today for explanation and the rep told me you dont have enough credit cards and loans. I have been paying on 2 XXXX XXXX XXXX ( early ) since closing them, and a loan from XXXX XXXX ( early ) for 9 months ; just refinanced because of perfect payment history. XXXX XXXX shows stellar payment history from all closed and open accounts. 

The last XXXX XXXX XXXX  was closed XX/XX/2020 after XXXX XXXX dropped my limit from {$1500.00} to {$600.00} though I had perfect payment history ( Covid-19 related ). Why didnt Transunion drop 22 points then instead of waiting until XX/XX/2020 if that was an issue. 

This is crucial to me, as my landlord for 11 years is selling my home after XX/XX/2020. I am senior citizen and in process of obtaining a mortgage loan from USDA. 
If that doesnt happen because of Transunions error I will be homeless. 

Please help me resolve this matter. Many many thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2020-11-30
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have filed again and again complaints against Moneyhouse.Each time I submit a complaint they send the companys response is always the same bullshit.I have two different sales contract generated by Moneyhouse in their closing package.I have two insurance policies on the house.Both dated XXXX.One policy has a face value of $ XXXX.with a premium of XXXX.plus dollars.The other with the same coverage date and a face value of {$190000.00} and a premium of $ XXXX.Moneyhouse reps talk about my negligence in not having the home inspected.The form in the closing is blank.If they wanted to protect my interest and cover their corporate asses.They should have informed me about the importance of inspection and had me signed.Early XX/XX/2020 XXXX XXXX was getting sensitive financial records from me to proceed with the loan.Even though Moneyhouse is stating that the sales contract became effective XX/XX/2020, with two different contracts.I went to the Moneyhouse office in early XXXX at XXXX.I never visited this in office on XXXX.The mortgage process started in early XXXX I didnt get the necessary financial disclosure stated by Raspa.Closing documents I should have received 3 days before the closing.I received a day before.This process has a been scam.Cant believe the bad faith and deception of the Realtor and mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions 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:
On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.

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 2021-09-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On : Friday XX/XX/2021, I try to get a Receipt of how much Balance I have on my Checking Account. I couldn't get it, at all!

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 2020-05-21
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Merchants Credit Giude to dispute a debt. I requested a copy of the bill and was told I needed to contact XXXX Hospital. I did just that twice and no bill was ever sent to me. I contacted the creditor again and was told that my account would be placed on hold and would not be sent to collections. When I disputed the bill through the credit bureaus, it was reported as accurate. It is on recording that it would not be sent to collections. No one will listen to the recording as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$150.00}

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 2020-11-30
Company: Experian Information Solutions Inc.
State: VA
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 trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Commonwealth Financial Systems filed a collections against me with the 3 credit bureau companies for XXXX XXXX XXXX XXXX XXXX stating I did not pay them. I spoke to Commonwealth and they agreed that is was not my debt and they will remove the debt against me and report it back to the 3 credit bureaus to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: NJ
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:
The following addresses are incorrect/invalid with Equifax : XXXX XXXX XXXX XXXX  XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Please remove, please send an updated report once this is done as required by FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
Has pull a hard inquiry on my credit which I did not get approved for. Now I am trying to apply for an apartment and this is not allowing me from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: PDQ 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 have filed multiple complaints regarding ID theft I owe this company nothing nor do I owe any of its affiliates. I have never paid this company or any of its affiliates. I am aware that there is someone is using my information but this company doesn't seem to care. I would like any documentation with my signature including an application with my name on it to include with my 4th official police report

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Harley Davidson Financial Services Inc
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I financed motorcycle and asked company to post my payments and any excess in the payment amount be posted as principle to the loan. This did not happen. Payments were posted as future interest instead. Over the course of 11 months, my payoff amounts increased and my statements show it. When I called last year, the representative told me they were posting them correctly. Then I would get a statement that said I had no payment due for several months. When I made a payment, they would let the entire payment go towards future interest. This was supposed to be an amortized loan ; however, it looks like a Rule of 78 type of loan. My payoff ( I am paying it off ) is essentially the same amount as the payoff on my very first statement even though my payoff amount decreased in the first few statements but then began to rise. Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
repeated phone calls in which I do not know this company nor have any ties to this company ( CashNetUSA ). 
XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX voicemail no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX no message XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX I texted them that I am on the Do Not Call list and ask them to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Each month even know I have made all payments and even paid off the card and keeping balances low they keep decreasing the credit card limit on the card which consistently ding my credit score. These are unfair business practices for honest working consumers who are truly trying to improve their situations. I have paid off all credit cards in XXXX which I know my score is XXXX now and improving as I am in the process of purchasing a house. Once again this card lowers my limit after making all this progress on improving and being a responsible person with credit. Does not seem fair or right. Called and the only thing the representative would do is send a request to increase, which would run my credit again ( which dings it again ) for them to increase the limit back to the lower amount they just gave me a few months ago ( XXXX ). This is not fair business practice. I have two cards with them and this is what they did to both cards. He said they will review again in XX/XX/2023.

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 2020-11-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I just received another bill from XXXX XXXX XXXX represented this time by Transworld Systems Inc. ( just change debt collection agency ) For the amount {$23000.00}. Account number XXXX ( SLMSA ) (, and account # XXXX ) this is my social security number.In addition they send my information including my Social Security #, in a plane envelope, while the the contents could be anywhere compromising my identity.Again, It has been 13 years this loan is from XXXX. California Statue of Limitations is 4 years. ( Cal.Civ.Pro.Code 312 te seq ). I file Bankruptcy in XXXX, and this account from XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report and I don't have any XXXX XXXX XXXX. 
This is now became harass, two different collection agencies send me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America had and offer on my app to open a business account and receive $ XXXX.I first went into a branch location and tried to open the account but was told I had to go through my app and open the account online. I opened the business account in XXXX of XXXX for XXXX XXXX XXXX XXXX. There were stipulations for getting the bonus : deposit {$3000.00} in 90 days and make XXXX electronic transactions which I fulfilled well before the expiration date. When I had not received the money by XXXX of XXXX I called and was asked to wait until XXXX which would be 90 days passed the date of my fulfillment. I called in XX/XX/XXXX and spoke to XXXX XXXX who escalated my case and gave me the reference number XXXX. 
Still no bonus money. I called again on XX/XX/XXXX XXXX XXXX  and spoke with XXXX who advised me to wait yet again 90 days past the escalated date of XXXX. I called again on XX/XX/XXXX at XXXX pm and was told a supervisor would call me by XXXX XXXX  the following day. I did not receive a call. I called the XX/XX/XXXX ath XXXX and requested a supervisor, I spoke with XXXX who advised that BOA was having trouble finding the promo code for the offer and said she would call me back. Still no phone call. I did everything correct to receive the bonus and believe I am entitled to it.

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 2023-05-17
Company: I.C. System, 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:
THIS COLLOTOR IS KEEP REPEATING SAME COLLETION OVER AGAIN. 
WE DISPUTED IT BEFORE AND TAKEN AWAY. WEHT TO THE STORE LOCATION AND CLEARED ALL PAYMENT, WE NEED YOUR HELP TO COMPLETELY REMOVED

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 2018-03-03
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the Equifax breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either XXXX or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Credence resource management is re-aging a past debt that was removed and it has damaged my credit they havent sent any account information for debt and i would like to have the debt removed and credit repaired

Company response to consumer: Closed with non-monetary relief