BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX completed the move out on the home I rented from them that was left clean and in proper move out order and free of any damages ( I have photo proof ).. They charged me and are attempting to collect over {$6000.00} in damages and repairs with no proof. There is no mov out inspection form forwarded or pictures of any damages or any receipts. The home was under renters insurance and any damages if notified could have been filed there. I was not notified until almost a year after move out. I went to the home two weeks after move out and new tenants were there.. the home had the same fixtures, doors, windows, floors and everything that was there when I moved out, nothing has been replaced. 
I reached out to XXXX XXXX XXXX and their collection agency Absolute Recovery and provided my images ( date and time stamped ) and the condition at move out proof in an effort to have the damages removed as they are fraudulent. The home was left with normal wear and tear after 4yrs of occupancy. Neither of the two have responded and the letters were sent certified with signatures. 

This company is placing fraudulent inflated debt on my credit report with no proof. I only owe rent that is mentioned which would be the {$3000.00} minus {$1000.00} security deposit which is {$2000.00} which I am prepared to pay in full and have this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XX/XX/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 2022-02-23
Company: Aspen National Financial, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I felt forced and coerced into entering this agreement with XXXX XXXX During the presentation, they always sold it as only good for today deal. My sales representative would state that we would be cheating ourselves out of great vacations and not giving our children the opportunity to own and enjoy at no charge. This is not true, as these vacations cost much more than if we were to book outside of it. There are additional fees for almost everything, and the maintenance fees and taxes increase each year. They made renting or selling sound so much simpler than it is. They even stated that if at any point I did not want it, I could just sell it back. No one is looking to purchase this property, as it has no value. At the presentation, I certainly felt as though I understood the contract, but I had to find out later down the line all the facts of it and what was never mentioned to me by the salesman who was representing XXXX XXXX timeshares. Had everyone been honest about what was written on there, my decision would have been much different, and I would not be in the predicament I am today. I have reached out to XXXX XXXX about my desire for cancellation and the hardships this has brought upon me. I am addressing XXXX XXXX through a series of complaints. 

XXXX XXXX has since sent my account to a collection agency, Aspen. At no point did I agree to work with Aspen and I have no intention of involving myself with Aspen, especially not for a misrepresented contract. They are trying to collect money for a company that mishandles its members. I sent a cease and desist to Aspen, but they keep impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately

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 2022-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I refinanced my home in XX/XX/2022. 
I decided to pay off 4 of my credit cards. 
Bank A is XXXX Bank. 
Bank B is Citi Bank. 
Bank C is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 
Bank D is a not to be named bank. They received their check, cashed it and posted to my account- no issue. 

The title company mailed me my copy of my new and notarized loan docs along with 4 checks made out to a specific bank- to pay off each credit card. 
[ 1 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank A for {$6400.00}. I added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 
[ 2 ] The title company [ XXXX XXXX XXXX ] sent me the check made out to Bank B for {$7700.00}. I also added a hand written note indicating what the check is for and the credit card account number the check is to be applied to. 

After a week I went on the banks website and noticed that the payment was not applied, I called my loan officer. I called me back and told me the title company has the cancelled checks from BOTH Bank A and Bank B. He sent my copies of both checks - then front of the check and the back of the check. He also gave me the date and time Bank A received and processed their check and the date and time Bank B received and processed their check. 
I called each of the banks customer service phone numbers and after talking to numerous people in each bank I was able to open a CASE regarding this issue of loss of payment and applying to my respective accounts ; thus I have Case XXXX with Bank A and a case XXXX with Bank B. 

Both banks promised quick service [ a lie ] ; Bank A gave me a conditional credit until this issue is resolved ; Bank B said that I will have to make a payment until this is resolved [ including added interest ]. 

Also both Bank A and Bank B told me this will be resolved within 2 or 3 business cycles. They DO NOT HAVE THE STAFF TO WORK ON MY 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 monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I had applied for a COVID Forebeance with XXXX  and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX  I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to XXXX, XXXX, and Experian.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.

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 2023-08-03
Company: Checkr, Inc
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I applied to XXXX and XXXX who both use Checkr for their background checks. On XX/XX/XXXX th I applied and started the process, after a week of getting a background check pending as the response I called XXXX on their help line as well as Lyft, I was told the DMV portion was complete but was waiting for the criminal portion to come back. After another week of no news I emailed and called both XXXX and Checkr and was told some applications take longer 3-7 days, I was also told that some areas experienced delays due to court houses and outages, I waited another week and did the same thing again and was told both by checkr and XXXX and XXXX that I needed to be patient and some investigation take 3-7 days. After a month I was getting upset because I was being told the same thing over and over. At 2 months of checking in and asking if someone could manually look at my case please and was told they were escalating my issue and that didnt do anything at all, when I asked about the escalation process they didnt even have me down for that process, so now its been almost 90 days since this started. I told XXXX XXXX and Checkr that I bought my car for the sole purpose to drive for them, I financed the whole {$16.00} XXXX dollars and now I have car payments and insurance payments and I can not keep up with the payments without working or driving. My credit score will take a hit with missed payments and I have worked very hard to get my credit score up. I tried 1 more time today to see if anything has been done and they read the same script which is nothing. Checkr is the company that I believe has the glitch in it, or XXXX giving them wrong information? I do not know but I feel that they will never do anything really to look at the real problem and so my background check will never be resolved. So from XX/XX/XXXX until now XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor : XXXX XXXXE ) XXXX MEDICAL XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: INVESTORS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi I was charged by XXXX XXXX XXXX with an unauthorized charge and then them trying to cover it up after i disputed the charges by saying they have the product and reciept which was create after the dispute. Its been two months and this is my second dispute. The business reached out after I disputed and acted like they were going to supply a product. 
I asked them what product and they said they had a receipt for something I ordered, which was incorrect. I had received fraudulent charges on my card two other times thereafter that were denied due to me having my card locked at the time and in which the company tried to deny those charges as well. 

at the same time i addressed the store they forwarded me a text with reciept that showed they were giving me a deal with a discount!! 
This company does not follow proper business protocalls and is scammers with bad business ethics. Don't Let your info get in their hands. 

I wouldnt recommend doing business or let your personal info get into their hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sign up for Experian in order to dispute some inaccurate information on my credit report. I sign up with Experian with my correct name as XXXX XXXX XXXX, when I log in online to see my account, my name is shown incorrectly as XXXX XXXX XXXX XXXX, furthermore, the issues with inaccurate record with credit report was not fixed, instead, Experian kept asking me to pay for other membership level. 

I called Experian to ask them to fix this issue with incorrect information on my online credit profile, the person I spoke to verify and confirm my correct name on my credit report is XXXX XXXX XXXX, and they acknowledge my name is shown incorrectly on my online account on their system as XXXX XXXX XXXX XXXX with an extra XXXX. As a credit bureau, their job is to keep accurate record, not show incorrect data of customer when customer enter correct information then demand customers to do works for them. Even when they have the correct data on hand and acknowledge the mistake is with their site, they actually told me to get my government id and send it to their po box which I  refuse even though I have my ids because why should I do extra work to fix their mistake, and given that they are a consumer data gathering agency, it is their job to correct inaccurate data, not create mistakes on customer data and refuse to fix them even though they just said it themselves they know it was a mistake on their end and that they know what is the correct data on record.

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 2023-08-04
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent notice to them and the credit agencies stating this debit was paid ; both said the debit was verified as not being paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a {$700.00} loan from this company thinking it would be over once they got {$700.00} with some interest back for it. Apparently their idea was to keep billing me {$180.00} for the next given period of time amounting close to {$4000.00} dollars! I already paid {$740.00} and now its showing that my pay off as of today is {$930.00}. I called them some odd weeks back to ask them if they would close out my account because after I did some research I realized they never told me about my right to rescind after one of their representatives called me to pressure me/ rushed me to docu-signing the agreement electronically did I get the information regarding the contract. I had already been duped into signing the agreement in so many ways ( basically me not knowing they were locking me into a predatory loan with super high interest rates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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 status incorrect

Complaint:
I have an account closed with creditor XXXX credit that has been paid on time and satisfactorily, but there is a late payment in the credit report and should not be there since all my payments were made on time. I called XXXX to ask to update the records and they respond that since the account is closed they can not correct the report. They suggest calling credit bureaus to solve this situation, that's the reason why I'm asking for the late payment dated XX/XX/2020 to be removed from my credit report immediately.

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 2023-10-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this credit card account for over XXXX  years and have never missed a payment or had a return payment all these years. I recently started using a new bank account for payment and this banks has had a funny way of returning payment even when I have available funds to cover the payment. So a meager payment of {$220.00} that I had funds available was returned on first attempt but went through on second attempt, and I tried explaining to my credit card company the issue with my bank after the charged a returned payment fee of {$29.00}. I requested for a customer courtesy waiver for the returned payment fee been that it was the fault of the bank. To my surprise and disappointment, my request was turned down and even when I spoke with a supervisor, it was still not granted. I have never been denied a courtesy waiver of a fee when it is not what I do. I make full statement balance payment and have never missed a payment. This is what customers are rewarded for until my experience with this credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The XXXX XXXX for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to any third party party. 

These are clear violations of my federally protected consumer rights.

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 2023-08-04
Company: Ability Recovery Services, LLC
State: FL
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:
This is my 4th complaint to CFPB concerning this company. There harassment is getting worse. I do not want anymore contact from this company again. No more calls, mail, emails. I want NO contact at all. Stop calling/contacting my friends, my employers, my family, landlord. Stop all forms of contact ASAP. If you keep calling after I've asked you to stop, that is harassment!

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