BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: Creditor Advocates Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, I received a demand letter from a collection agency by the name of Creditor Advocates Inc dba XXXX XXXX collection agency. Their contact information, listed at the top of the letter, is the following : XXXX XXXX XXXX XXXX XXXX  MN XXXX ( XXXX ) XXXX XXXX This is not my debt. The underlying creditor is listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with an apparent service date of XX/XX/XXXX. I never had a tow on or around this date, and was in fact living 60+ miles away at the time, in XXXX MN. I have never even heard of this towing company until now and didn't even know it existed. 

In addition, this is the first time I have ever heard of this until now. This appears to be a possible scam or some sort of shakedown.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a letter of validation to Trans Union Credit Reporting Agency for validation on several accounts on my credit report and the company has not furnished the validation but they continue to report the accounts on my credit report. This has been on ongoing problem dated as far back as of 2021 to get the company to valid the accounts. As you can see from the letter attached the court system does not report to third party reporting agencies and in Trans Union response they do not show how the information was obtained or from whom the information was obtained from

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-03-06
Company: FIFTH THIRD 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: Account status incorrect

Complaint:
Dear CFPB I am writing to you with heavy heart that Fifth Third bank reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my  tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately. 

I am sending the letter from fifth third saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that Fifth Third is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks  after than conversation i received a letter saying they will not fix it as it was not their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Merchants and Professional Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$77.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: ALLY FINANCIAL INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with 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 2019-10-02
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT 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 2019-05-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
SEE ATTACHMENTS. I WOULD LIKE TO KNOW WHY YOU KEEP PUTTING THE WRONG DATES ON MY CREDIT FOR THIS ACCOUNT! ENOUGH IS ENOUGH, TIME FOR YOU TO REMOVE THIS 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 non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

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 2021-11-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Removed these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, all accounts of XXXX XXXX and all inquiries immediately. 

IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm administrator agent pursuant to 15 usc 1602o, I'm the administrative agent I'm not the owner the social security card belongs to the XXXX XXXX XXXXXXXX I have to give it back upon request, so therefore, I'm not the owner. 

I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt.

They never validated any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge.

15 USC 1681a ( e ) it stats you have to do personal interviews with neighbors, friends or anyone associated with the consumer which is myself '', they didn't do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent CONTRACT CALLERS INC. a letter for a alleged debt of XXXX that i do not owe nor have any business contacts with him.I requested the validity of the debt on XX/XX/2021 and has not heard from them as of yet.

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 2023-11-08
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I have filled out XXXX requests and loan modification packets. XXXX they did not receive and ONE they were missing documents. I sent the missing documents to XXXX XXXX who was in charge of the modification department per her. I have emails to her direct email with the documents needed. 
Since then planet home lending has put my home into foreclosure status and I obtained the assistance of XXXX XXXX XXXX to help keep my home. 
I have had XXXX XXXX way calls between the XXXX companies and was approved for a tier XXXX medical loan. I have filed all documents needed. 
My complaint is about the harassment from a process server that planet home lendings lawyer obtained. She has been to my property 3 times in XXXX weeks even though she was given the cease and desist letter. She told my sister in law today that everything behind her is about to be taken even the ground that she stands on. ( All on camera ) And that the sheriff 's will be out soon to remove myself and XXXX young children, XXXX of which are ill along with myself. I've also spoken to plant home lending 2 times in the last XXXX weeks. But it's the same thing over and over since this company lacks the presence of reporting notes and conversations with clients. Thus NO COMMUNICATION IS PRESENT WITHIN THE COMPANY. 
I HAVE A CEASE AND DESIST ORDER. 
I also have proof that they were given the information by myself about the PACE PROGRAM fraud on my house, with whom they are trying to sue as well. So they will never win that case in court. 
I begged for there help when I found out that the XXXX company forged my husband 's name on forms to RENEW FINANCIAL in which I have an open case in the XXXX XXXX XXXX XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX IS CURRENTLY REPORTING A BANKRUPTCY ON MY CREDIT FILE THAT IS NOT REPORTING CORRECTLY, I HAVE PREVIOUSLY DISPUTED BANKRUPTCY CASE XXXX WITH XXXX AND TRANSUNION AND IN RESPONSE THEY BOTH VERIFIED THE ITEM AS ACCURATE. STATING THAT THEY HAVE VERIFIED WITH THE COURTS. I CONTACTED THE COURT AND THERE RESPONSE WAS BY LAW THEY ARE NOT ALLOWED THE VERIFY ANY PUBLIC RECORDS WITH 3RD PARTY VENDORS SUCH AS TRANSUNION OR XXXX. IT IS CLEAR THE UNITED STATES BANKRUPTCY COURT DOES NOT REPORT TO XXXX OR TRANSUNION.THEREFORE XXXX AND TRANSUNION EITHER AN ERROR OR A LIE.EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C & 16811 ) AND THIS INFORMATION MUST BE DELETED.

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 2019-11-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from XXXX XXXX XXXX that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from Citibank that I had been making small payments on. 

They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. 

This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.

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 2023-01-25
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: Old information reappears or never goes away

Complaint:
The two student loans that show on my credit, was removed back in XXXX earlier in the year. So in XX/XX/XXXX they put it back on my credit. I complain to the bureaus about this matter, and nothing was done. I need it off, because once it drops off my credit it was never supposed to be back on it.

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 2020-03-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open an account with Suntrust on XXXX or XXXX. I had an account with XXXX  XXXX XXXX. Within two days XXXX and XXXX, I XXXX money to my Suntrust account from my XXXX  XXXX XXXX account to fund it. The amount was XXXX dollars. 

On Friday, I access the account to set up bill bay and it stated my account was restricted. I immediately contacted them and found out my account was closed due to rules and regulations and that I will have to wait at least 15 days and I may receive my funds. I ask to speak with the Suntrust supervisor to see if anything can be done, in order to get my money. They advise that nothing can be done. I even ask if I can go to the branch to receive the funds due to that was most of my money and I had a little on my me. 

They advise that they couldn't do anything and if applicable I will be mail a check of what ever the amount is

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 2019-05-08
Company: Experian Information Solutions Inc.
State: UT
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:
Experian has converted my police reports to XXXX numeric codes which then are sent to the debt collectors. The debt collectors are not receiving the detailed police investigation documentation to remove the accounts. Instead the accounts are coming back as 100 % verified and accurate which they are not and violate the rules under 609 for 100 % complete accuracy of the investigation. 

Detective XXXX XXXX XXXX XXXX XXXX Police has finalized the police reports the files are permanent and no additional police reports will be issued therefore I am requesting the CFPB to get involved in this matter. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX XXXX XXXX citi diamond secured card 1. i sent in a {$200.00} Deposit for a secured Citicard 2. after 2 months i lost my job and called to cancel the card 3. the balance at that moment was XXXX $ 3a. because this was a secured card the balance was to be deducted from the {$200.00} deposit leaving me a {$70.00} refund.

4. next month i received a billing statement account was still open and a {$28.00} late free was added to the balance. i called them again and asked if the call was being recorded? Yes! I lost my job, please close this account.

5. the woman stated she wanted to leave the account open another 30 days just in case there were more charges. NO NO NO, there are no more charges, i do not consent. i need this account closed.

6. the next month i received another bill for an additional late charge six months of late charges after i closed the account!!!!

7. the card is now over the {$200.00} limit and continues to accrude fees 8. by the time the XXXX $ security deposit is added the balance is now around 20 {$9.00} they waited two billing cycles and now there is a balance of XXXX $ all late fees and interest and i have not spend a dime had they cancelled the card when i requested in XXXX they would have owed me money. 
10. i can only assume that FDIC insurance works both ways and they were collecting from the government.

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 2019-03-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX there was a purchase of the DNA sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Consumer Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Well first think is this is not the firm I purchased it from. They did not give me a choose. Which made payments harder to make I have Ask for my balance via email and have not received anything period and I disputed it. On 2 different credit beuros. Due to the fact, the balance for the last 2 and a 1/2 years has not changed from {$14000.00}. Well, I'm making payments. Wouldn't you think this now would change?

Company response to consumer: Closed with explanation