BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE 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 was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment

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 2019-01-31
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:
In XX/XX/2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.

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 2018-01-10
Company: Caliber Home Loans, Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am writing to inform you that Caliber Homes Loans has refused to close on the property located at XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX XXXX had agreed to the closing date XX/XX/XXXX, as well as signed the second amendment on XX/XX/XXXX for extend the closing date to or before XX/XX/XXXX also stating it would be {$100.00} per day until closing date. I sign form and forward it back to my realtor, XXXX XXXX. On XX/XX/XXXX I was informed by realtor XXXX XXXX that we would not be closing on the property on XX/XX/XXXX.  The seller ( Caliber Homes Loans ) verbally requested to increase the sell price of the house to two days before closing date and afterward terminated the contract without giving a valid reason.On XX/XX/XXXX, I sign a contract for the property located at XXXX XXXX XXXX XXXX XXXX KY XXXX. We agreed on the listing price of {$170000.00} with the seller agreed to pay {$3500.00} towards closing cost and purchasing a limited home warranty. At that time my earnest money of {$1000.00} was given to the seller and shall have been held in the escrow account of XXXX XXXX and applied to the purchase price upon passing of deed.I was giving only 5 days to complete inspection which was performed on XX/XX/XXXX and the appraisal was completed by XX/XX/XXXX. Caliber Home Loans has refused to close on the property and has relist the property for sale as of XX/XX/XXXX, for {$180.00}. I havent signed a release of contract form. Caliber Home Loans also refused to refund my earnest money of {$100.00}. in which I also paid for the inspection and appraisal that is now a lost to me.Caliber Home Loans refused to close on the property is illegally, unethically, and discriminate. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2017, the State of Florida was declared a disaster zone, FEMA-4337-DR ( please see attachment ). After Hurricane Irma hit Florida, I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for aid concerning the car payments. I was informed that aid was available but that the guidelines were not yet clear from corporate. I was instructed not to make payments and that the they will waive the fees and that my credit will not be affected. In XX/XX/XXXX I informed them that I would make one months payment and during the months of XX/XX/XXXX and XX/XX/XXXX I would pay all that was due. They agreed and this is exactly what I did, ( please see attached credit report ). During the month of XX/XX/XXXX while reviewing my credit report ( please see attachment ), I noticed that they reported late payments so I called customer service. After a long back and forth, they stated that they will not remove the negative information. I explained that I have never been late as the record proves and that the reason for all this was because of a natural disaster that 's out of my control. Even this reasoning would not help and they stated that they will not remove any negative information. My biggest problem is that this company supposedly extend aid during a drastic time but then hurts you by damaging your credit score.  This ill action by World Omni has even affected my employment since its credit score sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Its my American Express Gold Card Ive had since 1994. I reported thousands of dollars in fraudulent charges in as much I never used the card for certain specific reoccurring transactions that kept appearing on my statements and I have never authorized anyone to use my card. The result was simply issue me a new card and they only went back a few billing statements when the fraudulent charges went back a lot farther. My bill became unmanageable to pay as was requested and Ive now signed an agreement with a debt settlement company to mitigate the outstanding debt with American Express. They would not accept my updated address to send information to and were very rude to me as a customer of over 20 years : my address for their records should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. They only accepted my updated phone number but nothing else and also just cancelled my account and a second account that was in good standing! What kind of racket are they running? Ill never utilize their services ever again and will tell anyone and everyone what theyve done to an old client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Tate and Kirlin Assoc
State: MI
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 RESPONDED ON XX/XX/2021. TATA & KIRKLIN ASSOCIATES , INC. I DO NOT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. I DO NOT OWE XXXX XXXX XXXX XXXX  OR ANYONE ASSOCIATED WITH THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original collection agency was XXXX XXXX XXXX, Creditor was XXXX XXXX this was paid in full inXX/XX/2018 in XX/XX/2018 it looks like it was sold Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I have disputed this with credit agencies with no out come. I have even submitted a copy of the letter from XXXX XXXX XXXX showing it as paid in full. There are 2 amounts that phoenix is requesting payment for and they both for the same date but different amount. One amount is for {$610.00} and the other is {$910.00}. 

I would like this resolved asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It a XXXX internet that was month to month back in XXXX i move to a different town in XXXX call and cancel the service before i move in XXXX i got a collection of XXXX dollars saying i never cancel call XXXX they don't have any information about it and call the collocation agency and they will not send me any information can't break it down that I owe that much just say that what XXXX says i own

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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:
The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMCOL Systems Inc XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX & XXXX Amcol Systems reports to have two collection accounts dated X/2017 in the amounts of {$2300.00} ( Acct. # XXXX ) & {$9500.00} ( Acct. # XXXX ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX for rent hired a collection agency, Hunter Warfield to collect a debt I do not owe. 

I disputed the debt by certified letterXX/XX/2019, and they never sent me the proof of the debt. 

They just reported me to the credit reporting agencies without sending me proof of the invalid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
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:
The following inquiries below are suspicious to me. Please remove it as these are unauthorized. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I attempted to make a purchase with my credit card. I had checked my credit line/available credit on line using the bank website. My account shows a credit line of {$3500.00}, Available Credit of {$2300.00} and a balance of {$1100.00}. 
The purchase was denied at the checkout - I called the bank from the store and was told the account had been closed. I asked when the account was closed and was told it has been closed since XXXX. 
I received NO notification from the bank that the account had been closed - and the information I looked up on line for my account shows " available credit ''. When I received my paper statement it also includes and " available credit '' amount. I called the bank and asked why I have available credit showing if the account is closed. I did not receive a reasonable response. I believe they continued to show available credit to entice me to continue payments - and would let me know the account was no longer usable once the card was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: WA
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XX/XX/XXXXXXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ Equifax , XXXX , XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Receivables Performance was inaccurately reported to my XXXX and XXXX credit report. Receivables Performance is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters from XXXX 2019 to XXXX 2019. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Receivables Performance and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.

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 2018-01-10
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX XXXX and Chapter XXXX Bankruptcy

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 2017-11-21
Company: EQUIFAX, INC.
State: CA
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:
I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted PMAB for the second time to explain to them that the {$1600.00} charge is for a patient that I am not related to and do not know. This is an incorrect billing made by the medical facility. The file number provided by PMAB is XXXX XXXX XXXX XXXX XXXX. I explained to them that I had talked to the medical facility who recognized the mistake. 

I sent an email to dispute the claim per the telephone representative 's instructions. I have uploaded the copy of the email. 

The patient name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX at PMAB reiterated to me today - XX/XX/XXXX - the file name is XXXX XXXX XXXX XXXX XXXX and the date of the service is XX/XX/XXXX. 

The amount is for {$1600.00}. 

PMAB ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Debt is owed to XXXX XXXX XXXX XXXX I called PMAB again today XX/XX/XXXX to explain and they said this is still under dispute but they can not remove this from my credit until the medical facility does so. 

I contacted the medical facility as well and they said that they realized the problem and corrected it, as well as, already informed PMAB of the error. 

This is adversely affecting my credit and I need this corrected. 
I called this number ( XXXX ) XXXX again today - XX/XX/XXXX - and spoke to XXXX at the XXXX XXXX XXXX XXXX. She states that they corrected this and informed PMAB on XX/XX/XXXX. 

XXXX states that the patient apparently has a relative with the same first and last name as I do. This may have been the original source of misinformation. XXXX said that she is going to communicate this back to the person who sends collection files to PMAB. 

I am still sending this complaint because I feel that PMAB should have corrected this and investigated it thoroughly back in XXXX.

Company response to consumer: Closed with explanation