BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com Knight Adjustment Bureau has engaged in very threatful phone conversation between XX/XX/XXXX to XX/XX/XXXX. Ask them for the phone recording, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application so a FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield & original creditor XXXX XXXX continue to falsely add a debt to my credit report. I have told them several times this is not my debt. The social security number and address on their orignal documents do not match any of my personal information. The only thing that matches is my name. I told them this is not my debt and they refuse to remove. I even disputed several times with XXXX. they lied to XXXX and said they had the correct social and address which they do not. When I call to talk to them they are rude and use foul languages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " XXXX  '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Company named " XXXX '' sent me an unsolicited Credit Card under my former married name. It was not cardstock, but regular plastic with chip, name, numbers and phone call sticker to activate. I do not want any unsolicited credit cards and especially do not want someone to take my mail and activate a credit card in my name.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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 was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, Experian, XXXX and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.

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 2021-06-22
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key 2 Recovery has blatantly ignored the screenshot previously uploaded so I shall be submitting another complaint for the Federal Pell Grant they are attempting to collect for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from XXXX dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, XXXX and TransUnion that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
please check items on my consumer report immediately I have inaccuracies on my credit report that i did not give my written consent to have on my report please check and do a through investigation and have items that verify these negative marks on my 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 non-monetary relief
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was contacted by someone from XXXX  for a XXXX XXXX XXXX. They give me all this reason and I think its legitimate. I dont agree to send any money until the bank clears the check. They end up clearing it which makes me believe it is real and I XXXX some money to someone they ask me too because I believe this is their money then the bank takes the deposit check out because there was a problem. I already made a claim but they are the ones who cleared the payment first

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 2020-01-28
Company: ALLY FINANCIAL 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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. 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 2019-08-13
Company: Experian Information Solutions 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:
Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX  XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting 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 explanation
Consumer complaint received 2022-08-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order of {$44.00} for shampoo from XXXX, which had exploded inside the box when it arrived. I took pictures of the damaged item and spoke to XXXX customer service about the issue. The customer service agent told me he could not refund me and that I had to contact my financial institution ( CITIBANK ). I took screenshots of my conservation with the XXXX customer service agent and started a dispute through CITIBANK to dispute this charge on XX/XX/2022. CITIBANK issued me a temporary credit of {$44.00} but later took it back on XX/XX/XXXX, saying that I was found responsible instead. I refused to accept this and appealed to dispute again. The CITIBANK customer service agent asked me to send the screenshots and pictures of the damaged item once again to the email she provided me ( XXXX ). She reassured me multiple times that they would never hold me responsible for this issue and that I would be getting my money back no matter what. After speaking with her, I sent an email with the requested information on XX/XX/2022. CITIBANK then informed me that they had completed the investigation and was " unable to resolve this dispute in my favor since I did not supply proof of damage ''. I called CITIBANK AGAIN on XX/XX/XXXX, and told them I did send them photo evidence as they had asked me to and they told me the dispute was closed at this point so there is nothing they could do to help me or reimburse me. I feel absolutely scammed and thoroughly disappointed by the lack of service I received. It has been 3 months since I initially opened this dispute with XXXX and CITIBANK failed to protect me financially as their customer and wasted my time for something that I was not responsible for 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 2023-11-25
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a KeyBank checking account in XX/XX/2023 when there was a {$200.00} bank bonus promotion on going. I would receive the {$200.00} bank bonus when a {$500.00} direct deposit is made. I received a direct deposit on XX/XX/2023. Its been almost 90 days and I have not received the bonus mentioned in the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. LVNV Funding has not provided sufficient evidence to prove that I actually owe this debt. They have also NOT provided proof they are licensed to collect debts in the state of Florida. This is now my third attempt to have this company validate this debt. I will be reporting this to the FTC and Florida Attorney General for their blatant violation of my rights. I need to see the rest of the paperwork/contracts you have from the original creditor. Present the terms and conditions that gives the interest rate. 
I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CITIBANK, N.A.
State: MD
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 calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with Best Buy which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.

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 2017-12-22
Company: LendingPoint Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was severely affected by hurricane harvey. My business suffered and I was behind on some bills. I sent a partial payment and was late on the remainder. I was told by XXXX XXXX that I had 10 days to pay before the account was delinquent. I agreed to pay before the ten days. Two days after I was told this, with 8 days before delinquency, my co-worker received three phone calls in a day from XXXX XXXX at Lending point asking for 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 2022-12-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: CT
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:
Wrong info on XXXX XXXX and employment information and hard inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My children and myself were in a car accident. I was not aware of debt prior to going on my credit report as the man who hit me insurance company was supposed to pay all medical debt incurred by accident I have paid three of the four medical debts to attempt to get removed from my credit as this was not my debt. Collection agency has not furnished any summery of debt as well as sending a summery of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-07-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.

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