BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Franklin Collection Service, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to Franklin Collection Services. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
24/7 Advance financial repeatedly charged my bank account after i paid off the full balance that i owed. I walked into the branch to make sure my payment went through and the clerk informed me that my bank cleared the payment and was waiting for their bank to proccess it. But a few days later i was getting notifications from my bank that 24/7 financial attempted to debit my account {$61.00} this happened at least 5 times which is excessive because i did not Authorize any autopay from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-11-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wallet was stolen. Inside this wallet was a XXXX XXXX XXXX ATM Debit Card administered by Fifth Third Bank. I notified the bank the same day. I also froze the card at the bank website. When 3 unauthorized transactions appeared, totalling approximately {$180.00} on XXXX/XXXX/21, I asked the bank to remove them. They gave me a phone number for " disputes ''. I called the number and provided the information related to these transactions and the last legitimate transaction before them. 

Approximately 45 days later I received a letter with the results of the bank investigation. They said they found no merchant misconduct, the transactions will remain charged to my account and this action is final. I never claimed merchant wrongdoing. I SAID THAT MY WALLET WAS STOLEN! 

I would like the bank to return the approximately {$180.00} back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2021-09-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NATIONAL CREDIT SYSTEMS is trying to collect debt that was not legally owed to the original company. Rent was legally withheld under Florida law Sections 83.56 and 83.60, Florida Statutes. A manager from XXXX even signed the document on XX/XX/2020. The company never followed up or did required repairs or control of pests. 

The Debt was not owed and the attempted eviction was withdrawn. We have the documents as well as a case number from code enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On Tues, XX/XX/2019, a debt collector, XXXX, from United Collection Bureau, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my savings account at Fulton Bank of New Jersey XXXX branch on or around XX/XX/18 or XX/XX/18 and the complete balance of {$48000.00} was given to me in a check which I deposited at another local bank. Since then I have been getting collection letter notices saying that my account has been overdrawn since XX/XX/2018 and they are trying to assess me overdraft fees when I don't have an account there since I closed it. Now they are threatending to send my name to a consumer reporting agency ( letter from XX/XX/2018 ) attached. I am XXXX years old and elderly, please contact my son who is helping me file this electronically ( I have included his phone number ) - can you please help me and work with my son in getting them to leave me alone, and stop trying to assess overdraft fees on an account that I don't have any longer and which has never been overdrawn, and keep my good credit record intact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX, I have a refund credit of {$1000.00} posted to my Best Buy store card by citibank. I have called them multiple times, but they say they can not help me because they are unable to verify my account using my phone number. The phone number I gave them is the one listed in my account and also the phone that I used to call them with. Apparently there are a multitude of issues with citibank verification system. I would just like my refund because as a XXXX XXXX, it is hindering me from getting gas money, groceries, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: EQUIFAX, 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:
I filed a dispute with XXXX about a account being reported by XXXX XXXX/XXXX  XXXX I asked for this account to validated and they claim that it was. I also sent a Validation of debt letter to said companies. XXXX Claims that this account was verified I don't understand how this debt was validated as this debt does not belong to me I never lived there. I received a response from Tenant Tracker stating I needed to contact XXXX XXXX but they are the same company according to the XXXX XXXX XXXX in XXXX Texas but they never validated my complaint stating that there records show valid info but how is that possible when account number between XXXX  and Equifax are different also it is Reported under XXXX XXXX on XXXX but XXXX XXXX  on Equifax and XXXX  this company is scamming people they will not provide me with a dunning letter are any forms showing my contractual agreement to alleged debt. Furthermore I had a mortgage company pull my credit figuring that will be the most accurate and XXXX XXXX does not show anywhere on my report from them just XXXX XXXX. That being said XXXX XXXX is breaking the law by not validating a debt trying to claim they are not a debt collector yet they are reporting to my credit reports as a debt collector. Also the dates are wrong they are reporting as this account was opened after last date of activity claiming open date of XX/XX/XXXX and XXXX XX/XX/XXXX there is no way this collection account is valid as I am in no way tied to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, account number XXXX is appearing on XXXX, XXXX and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with XXXX small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX in the future .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, account number XXXX is appearing on experian, transunion and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX   in the future .

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I had been receiving a number of letters to my old address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ) saying that I owed money to XXXX XXXX. After calling the number on the letter it became apparent that it seemed like more of a scam. 

This was confusing as I live with my parents, do not own a property and at the time the so-called account was taken out I was only XXXX years old. As I felt it was a scam I just left the account and heard nothing more apart from the odd letter i received every no and again. 

I have never missed any payments on loans etc and have spent the past few years building up my credit score and when I recently checked it had gone done by like XXXX points in one month. After doing some digging it seems I have a payment gone into default for circa XXXX. I have never had an account with XXXX XXXX, I don't own property as I live with my parent 's and the account was supposedly taken out back in 2015, at that point I was XXXX years old so it would have been impossible to take an account out. 

I have contacted XXXX XXXX and the only response that I ever get is them requesting an account number, which I can't provide as I do not have an account with them and never have. 

I keep getting refused for credit which is becoming increasingly frustrating. I am also looking at getting a mortgage towards the end of the year and with this false information showing against my credit score it is going to be impossible. 

Your soonest response would be greatly appreciated as this has been going on for 2 months now and I don't seem to be any closer to.

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 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted Trans Union and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by Trans Union. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit 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 2018-04-05
Company: CITIBANK, N.A.
State: PA
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 purchased special optical lighting products from XXXX XXXX, owner of XXXX, an online company selling special XXXX XXXX. They are located at : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I sent the vendor 's representative, XXXX XXXX, a quote from a competitor company called XXXX XXXX for specific XXXX  lighting products. XXXX was able to beat that quote. XXXX XXXX promised to send XXXX products. XXXX XXXX charged {$6200.00} to my XXXX XXXX account. After taking my money, they did not send me XXXX lighting products, but they sent me their generic, low quality lighting products instead. I paid for the XXXX products in XX/XX/XXXX. Upon completion of contruction, XXXX XXXX sent the low quality products and I was able to test the products out in XX/XX/XXXX. Four bulbs burnt out immediately. These were not XXXX products. Their website stated to call for a return authorization number to return the products. We called, and they ignored all our phone calls. We returned the products to them and paid for the shipping charges. 

I called Citi cards to dispute the charges from XXXX XXXX. Citi Cards failed to investigate the problem and to credit my account for products that were not promised from XXXX XXXX. Citi Cards did not protect my purchase for the wronged products received. Citi cards is forcing me as a consumer to pay for the products that I did not received. I am asking you to investigate Citi Card 's policies and my rights as a consumer. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2018-10-08
Company: EQUIFAX, 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:
XXXX and Equifax refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
ftc violations : enclosed and stated all violations listed XXXX   XXXX  {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX inquiries XXXX XXXX - Experian Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.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 explanation