BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection was entered XX/XX/2017 by creditor AR RESOURCES INC. The debt was for a total of {$1100.00}. The creditor did not attempt to notify me of such debt by mail, email or phone. I mailed a certified letter with signature service requesting in writing debt validation. I have yet to receive any said documents from AR RESOURCES INC, stating my legal obligation to this {$1100.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: CITIBANK, N.A.
State: FL
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:
Dear Sir, I have a Sears MasterCard. This card is issued and serviced by Citibank on behalf of Sears. I usually pay all of my monthly bill using my bank 's online bill paying service. On XX/XX/XXXX I paid a group of bills. I thought that I had paid my Sears credit card bill of {$16.00}. However, I must have made a clerical error and skipped this bill by mistake. 

Soon after the Sears credit card due date of XX/XX/XXXX a started to receive a daily Robo call from Citibank on my home land line. These calls were coming from phone number XXXX. Every day I received a recorded message to call Citibank regarding my Sears account at XXXX. No reason way given. 

I hate Robo calls and find them very upsetting. As a result, my home land line is on the WWW.DONOTCALL.GOV list. This did not deter Citibank from Robo calling my home land line on a daily basis for weeks. 

When I received my next monthly Sears Credit card statement in XX/XX/XXXX, I realized that I had missed my prior payment. I was charged a late fee of {$16.00} which is 100 percent of the amount that I owed and 1,200 percent on an annualized basis. I was also charged {$2.00} in interest at an annual rate of 26.24 percent. 

When my XX/XX/XXXX payment was posted on XX/XX/XXXX the daily Robo calls finally stopped. 

On XX/XX/XXXX I received a letter from Citi Cards explaining that my XX/XX/XXXX payment due on XX/XX/XXXX was over due. At this time I had already made my XX/XX/XXXX payment. This letter was useless since it was n't mailed out until almost a month after the Sears MasterCard statement due date. 

My main complaint against Citibank is their policy of continually making daily Robo calls to customers who are on the FTC do not call list. This should not be allowed. Even if someone is not on the FTC do not call list, I consider these persistent daily Robo calls to be form of harassment. 

Citiibank 's Robo calling practices should to be stopped. 

Thank you for you assistance.

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 2017-12-05
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: Their investigation did not fix an error on your report

Complaint:
I have been in an ongoing dispute with Transunion, XXXX XXXX and now XXXX XXXX. the initial problem started when XXXX XXXX reported me as 30 days late, which I was not. Transunion lowered my score by 32 points. I contacted XXXX XXXX and was only referred to Transunion and to date I have nothing. Now XX/XX/2017 I have another battle with XXXX XXXX over a misapplied payment and Transunion lowered my score by 45 points. This is a scam and Transunion should not be allowed to get away with it. I simply do not understand how my score can be lowered by so much for a missed payment but when my payments are made on time I barely get 5 points. I need to see the scale that is being used becuase I feel scammed. I can never get anywhere with transunion. Their customer service is horrible.

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 2019-09-23
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried for years to get Shellpoint to work with us it got so bad that we filed Bankruptcy in XXXX cause we didnt know what to do then we tried to modify the loan but they want us to pay over XXXX a month which is way to much. Last year in XX/XX/XXXX we signed a deed in Leiu of foreclouse I was told they would settle with the second mortage for XXXX which was never done. We received a letter from an attorney for the second mortage. All of this should have been taken care of and nothing was done. when I called Shellpoint they said the Deed In leui was not longer valid cause they couldn't get in touch with second mortage which we we were never notified of any of this. They show we owe XXXX which is XXXX over what we paid for the house kinda scary. I beleive they charging all kind of fees for paperwork and deed in leui and foreclosure process and other fees but they not doing anything the house is falling apart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Experian Information Solutions Inc.
State: VA
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:
Voluntarily offered collection company {$500.00} to settle acct. Accepted. Stated would remove from credit hx. Remained on credit report as paid in settlement. Disputed XX/XX/XXXX as I was expecting acct to be deleted from my credit report. Scheduled to be removed 7 years after original loss, report would expire off my credit hx in XX/XX/XXXX. By requesting removal of report, Experian updated, as below, and now my report will show as bad collections ( Paid in settlement ) until XX/XX/XXXX. That 's what you get for trying to resolve the situation. 

Status : Paid in settlement. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX.

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/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 2019-08-08
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-07-30
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with all three credit bureaus several times. Most recently on XX/XX/2023. I asked for a contract and proof of debt. I have not received anything from the company validating or verifying this debt. I am not aware of the original creditor nor the debt collector, therefore I need validation to verify that this is indeed my debt. In accordance with 15 U.S. Code 1692G, I have already requested verification of this debt. The company has not responded well past the 30 days allowed for providing a response. Since this debt was disputed pursuant to the Fair Debt Collection Practices Act, the company is required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, 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 2019-03-25
Company: EQUIFAX, INC.
State: NY
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:
Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to XXXX   and Equifax with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
US Direct Express is the most dysfunctional organization I've encountered. I have tried to make a money transfer twice. I have a confirmation number. After three weeks, the transfer has not been received but, the money was deducted from my account. Every time we tried to contact someone at US Direct Express the recording said they were too busy and to call back at a later date. That happened numerous times. We could never get through to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase credit card lowered my credit limit during the covid-19 virus. I am without an income right now, our industry has been shut down. They arbitrarily reduce my credit limit during the covid -19 outbreak. This should be illegal, I need that credit line for living expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX issued a credit card to someone using my name and SS # and is on my credit report. I have contacted XXXX and reported this as well as Exprian. I believe my SS number may be comprimised. 
I have no documents or any correspondense of this matter

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 2019-09-23
Company: Experian Information Solutions 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:
Some one open an account with information that was stolen. Experian was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains

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 2020-06-04
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
For the months of XXXX, XXXX and XX/XX/2020 I was charged a {$3.00} fee for paper statements. I never received any paper statements and did not change my settings from paperless to paper statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: DISCOVER BANK
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:
Some one open an account with information that was stolen. XXXX   was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account listed as XXXX on my credit report is extremely old and I have attempted to dispute that it because it is well past 7 years old and is not supposed to be reported to my credit file any longer because there has been absolutely no activity since XXXX 2008. I have disputed its acuracy and I have asked for it to be removed with certified mail various times. This account has kept my credit down and is affecting me very negatoivey. I have not recieved any adequate repsonse from Transunion and they keep sending me generic answers and do not verify the facts that I am expressing to them. Pkease, investogate this fro me. This account is devasttaing my life and is not legally allowed to be on my file anymore. Why are they keeping it on my file illegally? They have not verifed the dates that I have asked them to correct in order to see that this account has had no activuty n over 7 years. Please help me, someone. I have no options left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of 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 non-monetary relief
Consumer complaint received 2019-09-23
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:
When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Information belongs to someone else

Complaint:
When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.

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 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a dispute letter with TransUnion on XX/XX/XXXX regarding 7 unauthorized inquiries into my credit. I received a response from the company on XX/XX/XXXX that an investigation was being conducted. I sent a follow-up letter via certified mail on XX/XX/XXXX after 30 days had lapsed and I still had not received the results of the investigation. It is now XX/XX/XXXX and I still have not received the results of the investigation as to these 7 unauthorized hard pulls on 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 2020-05-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello I opened a personal loan from XXXX XXXX XXXX XXXX for {$7.00} and I had paid like $ 1000- {$2000.00} then I was not able to pay back and it went to collection. After 1 year I made a full payment to their lawyer with Cashier Check. I am having 2 problems with this account on my credit report 1 ) it shows 2 accounts which were not paid ( it is supposed to be only 1 account ) 2 ) it is still showing I own them some money which I should not because they didn't do any discount and made me pay full and They did threat me that I lose everything in XXXX XXXX county because they are part of 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 explanation
Consumer complaint received 2018-05-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX a late fee of {$38.00} was assessed to my account.

On XX/XX/XXXX a refund of the late fee of {$38.00} was allegedly refunded to my account. 
I was told by XXXX of customer service ( onXX/XX/XXXX ) that I still had to pay the late fee because it was already billed to me ; however, my amount due would ultimately show less in the future, providing I made no more purchases. I have not made a purchase from XXXX 's  stores since XX/XX/XXXX. 

I paid {$92.00} to bring my bill current ( all in the month of XX/XX/XXXX) as instructed by XXXX 's  Credit Card Customer Service Rep, XXXX. 

My monthly notes due had been averaging approx. {$27.00} a month ; however the bill that is due for the month of XX/XX/XXXX is now {$38.00}. When I asked, how XXXX determined that my minimum due is {$38.00}, I was told by the XXXX 's Customer Service Rep that their minimum requirement varies. Although I have not made any additional purchases since XX/XX/XXXX, the minimum amount due XX/XX/XXXX of {$38.00} is the " same amount '' that XXXX XXXX Credit allegedly refunded me. I see this as deceptive and a possible violation of fair trade practices, I am not at all comfortable with using XXXX 's Credit Card Service to do business 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