BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: 2288984 Ontario Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The loan company Money Key Loans called me on XX/XX/2020 saying we saw you had a inquiry to get a loan and we are willing to provide so we will go forth and process your loan their phone number is XXXX. They asked me for and I gave them My bank account number and my Social Security number along with my bank account login information Then once they figured out it was my account they wanted to start a security process of putting the amount of {$700.00} into my account and then use two gift cards to give it back to them and they did this twice On the next day the second time was in the amount of XXXX and that was for what they said was to fix my credit score so the loan company itself would approve of the loan since at the time I did not have good credit. A couple of days went by and then I noticed that my bank account was overdrawn by {$2500.00} I then called my XXXX XXXX  about that and they said two amounts of {$900.00} and {$730.00} were waiting to be processed to be put back into my account then my balance read {$1400.00} on XX/XX/2020 I tried to close that account and open a new one but the bank rejected it and cancelled all my accounts My account however is as also attached to my Mothers accounts and then the bank then took my mothers available funds and her payroll in the total amount of {$1000.00} on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Wardield Inc has reported a balance of {$2800.00}. Claiming I allegedly owe them this amount. I sent them a validation request letter on XX/XX/2023 ; and they have unfortunately failed to respond whatsoever. I have asked them to remove this alleged debt and they have failed to do so. I can send additional proof showing the delivery receipt of my mailed letter request to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Paramount Capital Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XXXX of 2023, I have a unknown debt collector by a company name Paramount Capital Group with the amount of {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Service has listed a balance of {$220.00} from XXXX as an original creditor on my credit reports. I have mailed Franklin Collection Services certified letters regarding this collection. This negative tradeline is currently on my XXXX and XXXX credit reports. Franklin Collection Services has not responded and has not contacted XXXX and XXXX to have this collection removed from my credit reports. 

I am asking for assistance in this matter of resolving this problem. Attached are my letters and certified receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A collection company named XXXX XXXX, called my place of work to attempt to collect previous balance owe on rental move out. I have disputed the amount of {$170.00} with property manager as that should have covered it from the security deposit. There were fees added that did not add up and now sent me to collection. This is highway robbery and not right.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: Information belongs to someone else

Complaint:
Equifax is publishing information on my consumer report that should be excluded pursuant to 15 USC 15 USC 1681a ( d ) ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
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 have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Ancient Mortgage Satisfaction of Mortgage was never filed with the County of XXXX, NY from XXXX XXXX XXXX XXXX. Pentagon Federal CU is the successor of XXXX. Due to being unable to satisfy this request prior to house sale, we were required to put $ XXXX in ESCROW until we can get the satisfaction of mortgage filed and a copy to the title insurance company. 

Pentagon Federal CU consistently refers to the mortgage they held for us for $ XXXX. This mortgage has been released and the satisfaction of mortgage has been filed. 

XXXX XXXX XXXX XXXX XXXX mortgage filed LIBER 6834 Page 66 Pentagon Federal CU XXXX mortgage filed LIBER 11671 page 0916

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 2021-08-10
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: Other problem

Complaint:
Misrepresentation of available credit balance. 

I paid partial balance and available credit was shown. Citi Cards closed my account with no prior notice and immediately. I was unable to access the stated available credit and this left me in a more difficult cash position. This may be construed as misrepresentation or an otherwise incorrect statement of available credit. 

I have no animosity towards Citi, but this is a dangerous precedent, not only for persons but for banking. This kind of stuff causes crashes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another XXXX XXXX XXXX is still being reported by TransUnion and XXXX. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere XXXX period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and TransUnion are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that XXXX, XXXX, and TransUnion provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-02-09
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX XXXX  XXXX, I am owner of property financed by Shellpoint Mortage servicing. I am in Bankruptcy an have court order the property can be sold, the property is under contract an was supposed to close XXXX XXXX, since then the contract has been extended 3 times due to Shellpoints unwillingness to corporate with closing attorneys an buyers financial institution This has been exhausting for everyone involved!!! closing attorney XXXX XXXX The attorney representing Shellpoint is XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. XXXX # for loan is- XXXX shellpointmtg.com/ XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been charged by XXXX store card with a returned payment fee ( {$27.00} ) under the pretense that the account I entered in the system had too many numbers or incorrect information and the payment didn't go through, according to the customer representative I spoke to. 

When speaking over the phone with the rep she couldn't even explain the real reason and wasn't willing to correct their system mistake, blaming it on how my bank has its routing/account numbers set, wanted to double check the information I entered to verify I made a mistake but she said the information has been deleted. 

Both checking accounts I had entered to cover balance payments had funds and had been used. After this returned payment happen, according to the rep XXXX  reissued a charge without my authorization to my next default bank account with the original payment amount ( {$45.00} ) plus the returned payment fee, which I find shady since I wasn't expecting this charge on my second checking, luckily I had funds but makes me wonder if they were fishing for a second returned payment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX LNAPT XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX  BV XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a Chase checking account using a promotional coupon I received from Chase which offered a {$200.00} reward if certain conditions were met. On XX/XX/XXXX i received an email from Chase stating that there was possible fraud on my account and that i should go to the nearest Chase branch with 2 forms of ID to address the issue. Once i arrived at the Chase branch, I was told that my checking account had been compromised and that my account would have to be closed, and a new account opened to replace the old account. So the Chase branch closed my existing account and provided me with paperwork and an account number for my new Chase checking account. On XX/XX/XXXX, I realized i had not received the {$200.00} in my checking account and I went to the Chase Branch to inquire why not. I spoke to the Vice President at the Branch, XXXX XXXX, who said she would research the issue and get back to us by XX/XX/XXXX. On XX/XX/XXXX, after not hearing from Ms. XXXX, we called her and she explained that since " we closed the original account, '' we would not be getting the {$200.00} reward. We explained that " we '' didn't close the account, Chase closed the account due to fraud. She continued, very rudely, to explain that there was noting she nor Chase could do and that we would not be getting the {$200.00} reward, even though we met all the requirements for receiving the {$200.00} reward. I was very upset and inquired about closing my accounts to which she replied, " you already know the procedure for closing your account, you did it the first time. Its just like you did it before. Come in to the Branch with 2 forms of ID and we'll close it. '' This made me extremely upset. XXXX XXXX is falsely implying that we voluntarily closed our Chase checking account. We did not. Chase closed our checking account when they noticed someone tried to fraudulently withdraw from the account, and then Chase opened a new account. 

Ms. XXXX was extremely rude, cut me off when I was talking and made it seem like we did something wrong by allowing Chase to close our compromised account. Chase is attempting to withhold the {$200.00} new account award by closing my original account and opening a new account, and then placing blame for the original account closing on my wife and I.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Transunion to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Transunion maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Transunion. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Transunion about. I'm confused, how can Transunion say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be 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