BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: Regional Processing Services
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail from a company that did not identify themselves with the following message, my Scam call program on my phone attempted to stop the call but it got through. 

This XXXX contacting you in regards to your case that's in the process of being filed through XXXX County by law I do have to make you aware that once case number XXXX is filed it will become a matter of public record and there will be an order for your location you do have the legal right to contact the proceedings office that processing your case however you would have to speak with them before your case has been filed. your case will discharge from their office all available right will be forfeit the number provided for that office is XXXX and off the states hear that you're going to need to speak with their legal department you have been legally notified by phone. 

I called back the number and they did have my name and social security number. When i asked what this is concerning they stated i had a debt with XXXX XXXX which is true, but the amount is way higher than what I owe. They stated that they had two cases, one for non-payment and one for an attempt to defraud a financial institution. I asked them for their address, business licence and the debt collection company that the debt was sold too. They would not provide ANY information and refused to send a Debt Verification Letter and said i would be served lawsuit at work. 

I called XXXX and the Debt was not sold to this company who identified themselves as XXXX XXXX XXXX in XXXX, CA. with the following address XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. They are very threatening and refuse to give me Business information so I can verify that they are a real company with authority to collect a debt. They would not. They also would not advise me of my rights during any calls. 

I have researched this company and the address is not a physical address, they have many complaints on XXXX  and have been flagged as a scam.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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 did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$46000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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 AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX. 
OPENED : XX/XX/14 AMT. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM UPLOADING TO YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The loan servicer is Great Lakes. On XX/XX/XXXX, I made a {$3000.00} payment on an account that is in a paid ahead status through XXXX. The account has five " tokens '' with a different balance that make up the total balance due on the ascount. I directed 100 % of the {$3000.00} payment to a specific token number on that account. However, not all of the {$3000.00} went towards that token ( it went towards other tokens too XXXX. I called Great Lakes and the representative and supervisor said that my payment was applied to satisfy my minimum monthly payment of {$740.00}, and the remainder went towards the specific token. But my minimum monthly payment is {$0.00} because I am in a paid ahead status ( I have been in a paid ahead status for well over two years on the account ). 

I can understand this to be the rule if the borrower is not in a paid ahead status, so in that case, the borrower would have to satisfy the monthly payment first before applying the rest of the money as he wishes. But when a borrower, like me, who has no minimum monthly payment and still can not apply my money as I wish is nothing but a penalty for paying early. It is a penalty because the {$740.00} first went to pay the interest of other tokens before the interest and principal on the token I applied it to. This means I can not satisfy more of the principal on the token I am targeting, which in effect, ends up costing me more money. Thus a penalty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on equifax dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: IL
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:
The company is reporting inaccurate information on my 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 explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: NY
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 am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXX account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX XXXX refuses to remove a medical debt for an urgent care bill that I disputed based on the following : 1. The debt was for an urgent care facility in XXXX, Arizona, a town I have never visited. XXXX XXXX XXXX XXXX XXXX 2. The debt was for services that were not in any way related to me for a date in XX/XX/XXXX. I wrote and disputed the charge in XX/XX/XXXX.

3. in looking online with search engines, there are a number of consumer reviews that fraudulent bills come out of that location and XXXX  tries to extort money to settle these claims. 
3. The XXXX account person refused to remove the debt, despite proof that the debt was not mine, without a POLICE REPORT. The local police are not going to waste their time with a police report for a debt in Arizona for {$250.00}. This was meant to be a barrier to me and make me pay the money.

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 2021-10-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The fradulant account opened under my name. Now I have one CITI Card with late payments on my credit report that I never applied and I have collection from XXXX XXXX XXXX that again from fraudulent account I never applied.

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 2020-12-16
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: Personal information incorrect

Complaint:
I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2018 XXXX  removed the fraudulent accounts, addresses and names on my credit report and now they are all back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
These were unauthorized charges to my Citibank XXXX  XXXX   card. The unauthorized charges are as follows : 1. XXXX XXXX in the amount of {$69.00} on XX/XX/XXXX - Citibank rule in the merchant 's favor 2. XXXX charge in the amount of {$200.00} on XX/XX/XXXX - Citibank once again rule in the merchant 's favor I have over 15 years of relations with Citibank ... I have an excellent repayment history and almost perfect credit, hence paying off my credit card balances. Therefore I am not using my card for purchases. It appears that Citibank ruled in a consumer favor if the charges are smaller but for larger purchases, they are ruling in the merchants ' favor. 

Please provide any help that you coule provide as I truly did not make the purchases. thank you and stay safe!

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 2021-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A car warranty was added to my loan, even when I said I did not want it. When I discovered the mistake, I cancelled it. The warranty company sent the refund to the car dealership. The dealership issued a check to my lender, Capital One on XX/XX/2021. It was deposited by Capital One on XX/XX/2021. It has never been credited to my loan. I have made numerous phone calls and talked with two different Resolution Specialists. The car dealership has faxed a copy of the check, along with the proof of endorsement and deposit, three times. My last contact on XX/XX/XXXX assured me he would take care of the matter and call me to inform me of any updates. He said ( as the previous Resolution Specialist said ) to allow 3-5 days. I have not heard back from him, as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. XXXX XXXX XXXX has single handily kept me from getting into a new home! Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There have been 2 inquiries made on my XXXX XXXX report by Citibank XX/XX/XXXX and XX/XX/XXXX without my knowledge or authorization. Ive never attempted to open an account with this bank. Ive noticed this bank via phone and email on several occasions and have been given different answers each time. The last phone conversation was on XX/XX/XXXX and I was assured that these unauthorized inquiries would be removed. 2 months have passed and they are still on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent police report to Experian over 90 days ago along with proof of address an identification. Experian proceeded to block fraudulent item ( XXXX XXXX ) being reported by XXXX XXXX XXXX. Then Experian re reported the fraud item to my credit file an said its nothing they can do since XXXX  XXXX said they had valid info to prove its my account which is not true. I have never done business with XXXX  XXXX or even been contacted by 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 2021-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the XXXX and XXXX Data breach. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX placed a derogatory collection account on my XXXX  and XXXX credit reports on XX/XX/XXXX and XX/XX/XXXX. The collection agency has not provided me with written dunning notification of this alleged debt within the 5 day timeframe mandated by FDCPA section 809 ( b ). Without prior notification I was not given the opportunity to have the debt verified nor validated as belonging to me. As a result of the reporting, my credit scores with both bureaus suffered a 20 point drop at a time when I was in the process of completing applications for new credit. I subsequently filed a dispute online directly with XXXX on XX/XX/XXXX citing No knowledge of this account. 
The account is listed as follows on XXXX  : XXXX XXXX   XXXX ACCOUNT DETAILS Account Name XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Original Balance XXXX XXXX   Monthly Payment - Past Due Amount {$650.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collections

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 2017-11-10
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
So i was mislead to buy a new Vehicle. They said only one bank approved me. Which was another lie. The whole time the seller mislead the buyer into signing a contract .ive tried talking with the GM but hes rude. I took it back within the time limit and they refused. They used someones elses insurance. They will know its me. They brought my credit down to nothing

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 2018-09-17
Company: CITIBANK, N.A.
State: MI
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:
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.

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 2019-03-23
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I checked my credit report and noticed that Mercantile Adjustment had placed an account on my credit reports. I filed a dispute and the credit bureaus said that the account was verified as correct. I sent a debt validation to Mercantile Adjustment on XX/XX/XXXX via certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ) as of XX/XX/XXXX I still have not received any proof of validation for the debt. It is still being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.

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