BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a hospital bill I paid {$100.00} that was bought by another collection company and given a new balance of {$90.00}. I never received a letter from Harris & Harris Ltd stating that I had owed them. It appeared on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent.I am victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting and the fair credit reporting act i need the actin taken care of immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CMRE Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reporting a debt on all 3 of credit bureaus ( XXXX, XXXX, XXXX  ) Is the result of Identity Theft, police report and FTC Affidavit on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted Transunion on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting 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 2019-05-20
Company: Experian Information Solutions Inc.
State: OH
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:
XXXXXXXXXX/XX/XXXXXXXXXXXXXXXXXXXXXXXX,OhioXXXX[XXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX,mdXXXXXXXX:Disputingerror[s]oncreditreportDearXXXXXXXXXXXXIamwritingtorequestacorrectionofthefollowinginformationthatappearsonmy[XXXX,Experian,XXXX]consumerreport:Dispute1[Theseareexamples.Picktheonesthatapplytoyourcreditreport.]AccountNumberorotherinformationtoidentifyaccount:[XXXXXXXXXXXX,reportedbalance{$1100.00}]Datesassociatedwithitembeingdisputed:[XXXXXXXX(3years,9months]Explanationofitembeingdisputed:[Insertadetailedexplanationofwhytheinformationisinaccurate.Chooseoneofthechoicesbelowifitfits,oraddyourowndescription.]ThereportshowsIcurrentlyowemoneytoyourcompanythatisnotaccurate.IstopedstopedusingXXXXinXX/XX/XXXXasIdidn'thaveanycontractatatime,asIalsowastravellingtravellingXXXXtostaywithmyforawhileIstayedtherefor3yearsbeforeIreturnedbackinthestates.

Thankyouforyourassistance.

Sincerely,XXXXXXXX

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 2021-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has violated my rights! I have attached all the details in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I dont use credit cards and have a 800+ credit score. I decided to get a XXXX XXXX credit card from Citi. In two weeks, the card was compromised. The account was closed down and it also closed out my membership with XXXX. I had to spend hours fixing the XXXX membership issue with new cards, etc. The credit card company failed to send a new card. Then they began calling me incessantly for {$3.00} outstanding on the credit card. This was the result of interest. I explained that the card was compromised and that I repaid the balance. I never received a card so they kept increasing the charges. I spoke with an individual in customer service who closed out the account in XXXX ( at my request ) and when I prompted them to understand if there was an outstanding balance, they advised me there was no balance. Citi then sent me another card and began INCESSANTLY calling me for an outstanding balance. I called Citi one more time and advised them I would not pay {$3.00} for their error for not closing the account properly and they threatened me to charge late payments, etc. I told them this was insane and a hassle because I wanted the account closed. I will not pay this outstanding amount. Citi is calling at least three times a day and its all just automated prompts with massive wait times. This is harassment and it needs to be resolved. AGAIN, I dont use credit cards. I am an adult with excellent credit, long term job stability and significant deposits in the bank. Now, they keep sending me emails. No one thinks in this company. Its downright pathetic.

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 2021-09-22
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Grant & Weber on XX/XX/21 to inquire about a collection that I did not recognize, but is currently reporting on my XXXX report. I provided all of my personal information, including social security number, and the agent was unable to locate an account. I then requested for them to remove the collection from my report and was advised that since they could not locate the collection that there was " nothing they could do '' about it. I was told to contact XXXX, which I have already done and was told to contact Grant & Weber. I'm going in circles. 

I have attached a screenshot of the collection which shows that Grant & Weber last reported it on XX/XX/21. Since they reported it, they should have a record of it, correct?

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 2018-08-30
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan has meet all the requirements for deletion of PMI and Fay Services has give lie after lie for reasons on why they refuse to delete PMI. 

* I have no 30 day late payment in the last 12 months * I have no 60 day late payment in the last 24 months * My LTV is 67 % per letter that i recieved from both Fay servicing and previous servicer * Loan is in good standing * I have requested removal in writing several times ( last time XX/XX/XXXX ) * The home is in compliance with all requirements in the Homeowner Protection Act XX/XX/XXXX All the documents needed are in the file that both XXXX Homes and Fay Servicing have. 
Current outstanding loan balance is {$120000.00} and Tax appraisal is {$240000.00}. ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Kashia Services
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 have borrowed a very very small loan of {$250.00} from a company called inbox loan. On XX/XX/XXXX they have took {$48.00} out of account. The week following XX/XX/XXXX they took out {$37.00} out of account. For the next 3 months I have been charged every Friday {$37.00} till this day. After gettin off the phone with a cosumer rep from inbox loan on XX/XX/XXXX I was told I have signed the right to pay back this very very small loan of {$250.00} for one year. So by XX/XX/XXXX I would be paying back {$1900.00} to this company when I have only borrowed a very very very small amount of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2018-08-30
Company: ENCORE CAPITAL GROUP 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:
I consider this fraud and plan on suing XXXX XXXX Bank for fraud and falsification of information if this doesn't get resolved. XXXX XXXX BANK keeps changing and falsifying the date of last missed payment so they can collect from me. According to the FCRA, Negative information must be removed from your file after seven years. XXXX XXXX bank keeps changing date of my last payment on my credit report so they can keep collecting, when the date has way over passed since XXXX XXXX I AM PROVIDING PROOF with this document that the last missed payment was XXXX XXXX which still should mean 7 years since VERY last payment and that I didn't bring my account current since then. it should be DELETED from my report. please view attached document which proofs this! falsification of information is not right bc it is affecting my consumer rights and finances when trying to buy a home! please view attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, I submitted an email to the management of XXXX XXXX, XXXX XXXX, indicating that I, XXXX XXXX XXXX, intended to leave the apartment early if possible due to constant fire alarms ( 43 notices in 18 months lease ), which is 3 times a month. This made the apartment unusable. The management of XXXX XXXX, XXXX XXXX, acknowledged in an email dated XX/XX/2017, that my lease expired XX/XX/2017 and that should I leave early I would have to pay an early termination fee. I choose not to leave early and fulfill my original lease. This written email constitutes notice and intention to leave under VA XXXX, the RTLVA, Section 55-248.6.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I responded to an offer from US Bank NA and processed a balance transfer with 0 % until XX/XX/XXXX. The First month payment was {$300.00} and I paid before the due date. Not too long after that I received a letter from US Bank saying that my account is going to be closed on XX/XX/XXXX and I should continue making my payments as usual. When I received the next statement my payment went up to {$690.00} with XXXX being the interest. I contacted US Bank and inquired why there is interest charge where my offer was no interest until XX/XX/XXXX ( and that was the reason I transfer my existing balance from XXXX to them and also paid balance transfer fee ). Today I spoke with the person who closed my account and she advised me that once they close a credit card they take away all promotions. I told her that non of that is in their disclosures and it seems to me they trapped me offering a promotion and getting my balances and closing my account charging 15 % APR. I asked her to reinstate the 0 % until XX/XX/XXXX according to their offer but she refused. The only reason I transfer the balance was because of the offer they sent me and US Bank must honor its Offer.

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 2018-08-30
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Problem getting your free annual credit report

Complaint:
TransUnion Credit Reporting agency is preventing me from viewing and challenging erroneous information on my personal credit report online. I do not want a paper copy, but to be able to do this electronically. They are clearly reporting negative information that is on my reort that was easily corrected with both XXXX and 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 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I requested the method of validation provided by Transunion on the Bankruptcy that is on my credit report. They sent me a credit report instead of a results letter under file # XXXX fated on XX/XX/2018. This judgement is not on XXXX or XXXX  and Transunion seems to be the only one that won't address my issue or provide accurate documentation on how this debt was verified, I want it removed from my report immediate for violation of FCRA. I wrote a letter directly to the creditor as well to provide me on how the method of verification used on this bankruptcy and got no response. Please remove this bankruptcy from my Transunion 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 2018-04-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to XXXX XXXX XXXX later known as XXXX College in XXXX Texas XXXX learned later on the school closed due to bankruptcy probably due to the lies about the education as well as job placement that never happened as well as no one recognizing their medical billing and coding education classes as well as other classes being taught at this school I was told to call and get a loan from at that time Sallie Mae as well as pay a little over {$2000.00} out of my pocket to the school not knowing I was being ripped off by the time I realized it was too late now I am dealing with school loans I have put in foreberance several times and now consolidated loans paying {$80.00} a month until the amount goes up have tried to be forgiven several times anyway I could see was fit to get this forgiven and the last time I called XX/XX/2018 was told if I pay {$120.00} a month for 20 years will be forgiven but the calculation is closer to XXXX and original loan was around XXXX now with interest its closer to XXXX Navient is crooked and should be out of business as well as the fake schools promising what they will not and dont plan on giving you which is an education that will get you hired because you were taught correctly and is a respectable school that educated you with the knowledge to do the job The education system and loan system is a disgrace and those of use trying to make something of ourselves should not have someone in our pockets taking what little we do earn to pay for lying manipulative Thieves with cost going up and pay not everyone that was given this promise and was not made good on should be forgiven with no repercussions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I initiated a deposit of {$600.00} into my Robinhood account. They restricted certain investments and I decided to transfer my stocks and currency to XXXX. I initiated a transfer and so Robinhood sold my partial stocks and deactivated my account. I have heard nothing further from them and have not gotten my money back nor have my current holding been transferred over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

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 2021-11-04
Company: CITIBANK, N.A.
State: TX
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:
I did not authorize XXXX XXXX XXXX to access my credit file or solicit any finance offer to me in 2021. XXXX XXXX XXXX has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with XXXX XXXX XXXX. I received a phone call from XXXX XXXX XXXX soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize CBNA to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

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