BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX ; XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Trans Union reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )

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 2021-03-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX TV from Best Buy in XX/XX/XXXX using the best buy credit card ( issued by Citibank ) and it had a return window of 14 days from Best Buy. A month later, the TV gave me a lot of technical problems. After resetting the TV and trying all troubleshooting steps, I reached out to Best Buy and they said that if the product is out of the return window, I would have to contact the manufacturer. I contacted XXXX who helped me by telling me to turn my TV off for 24 hours and not use it and then turn it back on after that time period to see if the issue was resolved. The issues were not resolved and no further help or remedy was offered. I disputed the transaction on the Best Buy credit card invoking a billing right listed in their terms and conditions that mentioned if I am dissatisfied with a purchase and I have tried all remedy options in good faith, they will investigate the dispute. I first sent a letter as the instructions indicated to send a letter in writing. I did not receive a response for some weeks. I then called Best Buy and initiated the dispute over the phone on XX/XX/XXXX. I was informed with a letter that while the investigation is ongoing for the dispute, I would not be required to make payments on the card. On XX/XX/XXXX, I received a statement for the credit card now showing a minimum payment. I called the credit card company and they confirmed that the investigation was indeed ongoing and that they STARTED working on the dispute on XX/XX/XXXX, more than 90 days later. They stated that I should not be liable to make any payments while the investigation is ongoing on the dispute and that they will fix this issue however, the payment due date is approaching on XX/XX/XXXX and they still have not removed the minimum payment after multiple calls and the dispute is still open with no official correspondence in more than 120 days since the dispute was initiated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a business checking account with citizens. Citizens bank did not properly instruct me on their policies nor did they openly communicate to me about changes on my account. There were also fraudulent transactions on my debit card that they did not resolve. This happened several times with no communication by phone or by US mail. They then froze my account and did not notify me of these changes. When I called the bank to understand why my bank account was frozen customer service stated that they did not have access to that information. This caused great distress to me and my company who provides services to the intellectually delayed individuals. Then I found out the next day on XX/XX/2020 that they closed the citizens bank branch that I open my business account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: HW Holding, Inc
State: SC
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. System INC. are still sending me collection letters saying I owe them a balance for a debt I do not owe. I do not owe this company any amount of debt, this company failed to send me the requested documents I asked for in my dispute letter. This company do not have any signed documents stating we done any business. I have attached a copy of my dispute letter so the CFPB can see the documents I have ask for and did not receive Reference # 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 2019-09-19
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 my HUD counselor and I were told that a modification on behalf of my mortgage was approved and to expect the paperwork to arrive within 7 days, unfortunately that never happened and subsequently I was served with foreclosure papers. I am being charged excessive fees with no remedy to catch up or arrest the bombardment of fees and the ruin of my and my family 's financial life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-10-15
Company: Direct Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have received a call from this company at the phone number XXXX. They are threatining me to contact them today ( XX/XX/2019 ) or they will be forced to file some sort of lawsuit against me on XX/XX/2019. They also called me yesterday ( XX/XX/2019 ) and made the same threat to contact them before XXXX. I'm not sure what type of debt this Is, being that I am already In a financial crunch since XX/XX/2019 from being laid off from my other job, but they mentioned something about banning my social security number or something strange like that. I really don't know. I can't afford a lawyer at this time, and I would like these calls to stop being that I am already dealing with a lot at this point In my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2019-12-09
Company: Kadent Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Sometimes in 2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a 45-minutes visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$420000.00} XXXX XXXX XXXX Balance : {$13000.00}

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 2019-12-09
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan for XXXX and I made two payments then went through a pay decrease due to weather and unable to work ... I started getting calls stating it was the courts trying to collect a debt and I was gon na be charged with fraud if I refuse to make a payment repeatedly I called check and go and was then was I can make any payment to try to clear up debt but I fell ill and lost my job and Im unable to make payment now theyre just calling and hanging up and now with interest they're saying I owe XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ic systems is trying to collect debt for XXXX who sold a non functional phone product but they knew they had insufficient cell tower coverage when they sold the product/service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: T.S. Holdings
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received a phone call on XX/XX/2021 called refused to use identify themselves until I stated my name. Once I validated my name they continued and claimed to be from a bill collecting agency and was calling in regards to an old balance from a past rental company for {$2200.00} and that if anyone else was in the room the call would be ended for security purposes. I informed them my funds come from my work and I would have to wait for each paycheck through the month of XXXX to pay the whole bill. That was unacceptable so I agreed to pay XXXX on XX/XX/2021. After that amount was transferred we agreed on XX/XX/2021 for the remaining amount to be processed. Due to lack of funds it bounced and I received a phone call on XX/XX/2021 and while I was trying to calmly and politely explain the situation and give a definite date for the payment I was yelled at and my credit threatened then at their mercy I was transferred to another person and told to get a payday loan. XXXX when I had called them upon their answer laughing was heard and thereby breaching the security and legitimacy of the company claims. 
*I have never received a letter claiming the outstanding bill or services are legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: Siggi LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MI
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 noticed unauthorized inquiries on my report. I believe that someone has stolen my identity and applied for something in my name. 

XXXXXXXX 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: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Apple credit card through Goldman Sachs Bank USA on XX/XX/2021, and my application was denied. I was discouraged and discriminated against through their application process. Their institution did it against my will. I do not agree with their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received the first collection statement dated XX/XX/XXXX, from Century Credit & Collections , LLC. The statement was addressed to myself and also listed my XXXX minor children. First amount requested was {$1400.00}. Total amount listed was {$1900.00} " due '' by XX/XX/XXXX. There was no breakdown of charges for either amount. 

I sent a response letter asking for a breakdown of charges and to advise of the XXXX minor children as they should not be listed. I received a voicemail from XXXX XXXX requesting payment and asking if what I had stated in my response letter was true. 

The next letter from Century Credit & Collections , LLC dated XX/XX/XXXX listed a new amount due of {$1900.00}, " due '' XX/XX/XXXX An additional letter dated XX/XX/XXXX stated that I had been given sufficient time to pay my debt and that I have ignored their attempts to collect the debt. The new amount due was {$1900.00}. 

This agency has been adding to the balance due approximately every XXXX weeks, with no breakdown of charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation