BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 I received by mail a earnings withholding order from my HR department stating I had a garnishment for 25 % of my biweekly earnings effective immediately! First and foremost I was never given the opportunity to defend myself at this court hearing, I was never served documentation of this lawsuit! The following issues are red flags that I have noticed immediately from this debt collector in the pursuit of this debt : *The address on the earnings withholding order is over 8 years old I believe it was the address I used on my rental application when I moved into the apartment complex owned by XXXX  XXXX XXXX XXXX . 
*I was never served by the debt collector for this lawsuit the debt collector is in possession of my current phone number and could have contacted me regarding this lawsuit by phone to confirm my current/correct address. 
*the original balance of debt owed to XXXX XXXX XXXX XXXX was {$2800.00}, the current balance since XXXX XXXX XXXX and XXXX XXXX XXXX XXXX over debt collection is now {$4300.00} that is {$1400.00} in interest and a {$65.00} enforcement fee this seems excessive. 
*I believe that they wrongfully put down the incorrect address so that I was not able to defend myself in court and so they would get the full 25 % garnishment amount from my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I rescinded my application within 3days and cancelled the appraisal. There is no application fee chargeable for PA residents. I paid {$520.00} for an appraisal which did not occur. I have called the company and loan officer every day for 14 days and no one has called me back to discuss.I saw that mortgage companies must be able to provide information regarding the loan and that requests for information must be made available. Failure to contact me for two weeks is a failure on their part. Today I am sending a registered letter to the company President, contacting my two senators and onXXXX congressman, and contacting my attorney to proceed with action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of Education/XXXX XXXX

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 2020-06-27
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested kindly that CREDENCE RESOURCE MANAGEMENT provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDENCE RESOURCE. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDENCE RESOURCE is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with CREDENCE RESOURCE. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDENCE RESOURCE should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also havd an active fraud account from XXXX XXXX XXXX for account CREDENCE RESOURCE MANAGEMENT as I have never had an account of done any business with his company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
All the accounts I listed are fraudulent accounts this is and identity theft.

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 2021-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX was my previous mortgage servicer. Required documents were emailed to XXXX XXXX XXXX XXXX that was required for short sale processing there is a purchase contract on property, its a cash sale, purchaser are ready to close. Short Sale was in processing with XXXX XXXX, BPO with interior photos completed. Mortgage was transferred to Select Port Folio XX/XX/2021 I spoke with Customer Service Select Port Folio informed them I need the short sale processed ASAP because I don't want to lose the purchaser for my home. I would appreciate your immediate attention with this urgent problem. Requested Relocation fee of {$10000.00} because Im selling my home on short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I would like the CFPB to enforce monetary damages as stated in invoice after 7 Days if the company does not remove the invalid debt from my consumer report and any other third party.

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 2020-05-10
Company: Sequium Asset Solutions, LLC
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:
Back in XXXX of 2019, somebody opened up a XXXX account fraudulently in my name. XXXX even sent me an email declaring it to be fraud. However, I have received two separate letters from two debt collection agencies, and now I just lost 200 POINTS ON MY CREDIT SCORE! XXXX is harassing me to the point of undue stress, I would like them to stop. It was almost impossible to navigate their terrible " customer service '' departments to get an email declaring the account fraudulent in writing. I want monetary compensation from them for this harassment, as well as the debt deleted from my credit report, and I never want to receive anything else from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX  Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX XXXX XXXX XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER 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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom it may concern : I am in a house process and I have request to XXXX, even fax proof to remove a collection company reporting on my credit report. XXXX  has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from XXXX. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.

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 2020-12-08
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not mine, not sure what to say. I have never dealt or had business with XXXX XXXX or collection agency " Professional Bureau of C ''. They will not stop reporting to credit bureau XXXX, they lied to XXXX. Trying to strong arm me into giving them money so they'll stop harrassing. Requesting they stop reporting and correct the report by telling XXXX  to delete account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: DISCOVER BANK
State: WI
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 STILL SEE REMARKS ON MY XXXX CREDIT REPORT ON XXXX XXXX. REMOVE ALL REMARKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I got the card from PNC bank it is a prepaid Visa Debit card. They changed the terms and conditions 6 months later and in there terms state that they are permitted to breach the previous terms in the contract and sell my information. They breached the contract and claim that they can collect and give my information to any 3rd party or affiliate and told me that I can't limit there sharing. I also noticed my credit score went down but I have no new accounts and wonder if this is the reason. Attached is the contract that was mailed to me in XX/XX/2020. The card is the property of PNC Financial Services Group. pnc.com/smartacess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
TJX Rewards ( Synchrony ) states they offer 90 days relief due to COVID-19, but will only defer 2 monthly payments. I spoke with XXXX employee ID XXXX on Saturday XX/XX/XXXX who informed me there is nothing they can send me in writing outlining the terms of Synchronys COVID-19 relief program, or that my 90 days relief had been used, that they could only send me another copy of my statement. The pandemic is still ongoing, hundreds of thousands of people are still out or work, and TJX Rewards/Synchrony does not have anything in writing to provide their customers who theyre offering 90 days/3 months relief to, but in all actuality are providing 60 days and demanding the 3rd monthly payment. There would documentation attached to this complaint if the financing bank was able to provide any, but they have stated and maintained that there is no documentation that they can send to their consumers.

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 2021-07-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
BB & T was notified of a missing endorsement on check # XXXX on ACCOUNT # XXXX. They refused to notate the account or respond. They also refused to acknowledge the check fraud.

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 2019-09-16
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX  HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : 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 2021-07-20
Company: CURO Intermediate Holdings
State: TX
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof 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. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Our grandmother passed away in XXXX, and my husband rented a mini ban to transport our family members to the funeral, then an XXXX  truck to clear her apartment. He opted out the collision waiver, since it was included in our Citi Double Cash Card, per its brochure in XX/XX/XXXX and a benefits update e-mail in XX/XX/XXXX. 

Both rentals were vandalized and damaged, and XXXX and XXXX charged us for the damage. I called the benefits department on XX/XX/XXXX, and was told they removed the collision waiver on XX/XX/XXXX. We were never notified about the change, so I asked to speak to her supervisor, but after the representative put me on hold for twice, I was told the supervisor was not there. 

I called customer service twice to file a complaint, but nobody contacted me. I sent a letter to them on XX/XX/XXXX, asking them to reverse these charges from rental companies, but never heard from 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 2020-06-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a XXXX XXXX XXXX that is very old. We have tried to get that off of Equifax, XXXX  and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from 2012. 

Also, It is bringing the score down. We tried to get a lower interest rate, but Equifax keeps this on there. 

There is also a Collections from XXXX XXXX XXXX from XXXX. We have tried to get this off, because we never received a bill from XXXX. XXXX XXXX XXXX keeps that on there. It is not ours. This is {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: FirstPoint Collection Resources
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a XXXX XXXX XXXX that is very old. We have tried to get that off of XXXX, XXXX and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from XXXX. 

Also, It is bringing the score down. We tried to get a lower interest rate, but XXXX keeps this on there. 

There is also a Collections from First Point Collection from XXXX. We have tried to get this off, because we never received a bill from XXXX. First Point Collections keeps that on there. It is not ours. This is {$180.00}.

Company response to consumer: Closed with explanation