BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 Jefferson Capital Systems address XXXX XXXX XXXX. XXXX XXXX MN XXXX phone number XXXX. I was transferred four times! I was talking with a XXXX, XXXX, XXXX and the first lady I couldn't hear her very quick speech. No one could give me a fax number everyone had the same speech " that they used to have one ''. Im unsure about company 's they're working in an office no email no fax number. How do they stay in business. People cant get documents or anything more from clueless employees. We have the rights to send them this. I hate that I have to get on here for someone to get this out to this sad company that can't give out information that should be posted on paperwork on a website something. I have never received anything from these people. Never heard of them until I look at my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Genesis FS Card Services, Inc.
State: FL
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:
In late XXXX I noticed a charge that wasn't authorized. I contacted Destiny card customer service to report it and they closed my card without even asking me. I asked if that is their company policy to close down cards customers dispute unauthorized charges on? Representative stated yes. About 45 days pass and I never received a replacement card. I called them to find out what was going on. They explained it can take 6 weeks and I said that's about how long it has been. I looked at my on line account and my XXXX statement had a unknown address on it and I never changed it or gave anyone permission to do so. I've been living at same address for years. The rep said they would correct the address and send out a new card. I waited over three weeks and my card never came and I also started receiving e-mails about my payment being due. I called again and complained that I still have no card and I have no statements and my online access shows no balance or payment due. The rep checked my account and agreed that no payment was due. He verified my address and it was the same address I told them I had no knowledge of. This rep told me it would be corrected for sure this time. The very next day I get a credit monitoring call from XXXXl XXXX about XXXX receiving a delinquent credit card payment report from Destiny AKA Genesis Financial. I logged onto my XXXX XXXX account to discover my credit score had dropped XXXX points in one day because of this creditor. I thought the fair credit billing act made what they are doing to me illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX I opened an eligible Citi priority checking account and savings account to fulfill Citi priority account bonus opening requirements. I funded the account within 30 days of account opening ( XX/XX/XXXX ) with at least {$50000.00}, the funds remained for 60 days, to fulfill Citi priority banking account bonus requirements, which were told to be paid out within 90 calendar days. 

Through this time period, I was repeatedly told by Citi customer service representatives that I was acting accordingly to fulfill bonus requirements and that my bonus requirements have been met and was most certainly getting paid out soon, I just needed to wait some days longer. Unfortunately I do not have additional records other than from the Citi messaging system, as i was not expecting this bonus claim process to come to this, 3+ months later, but these contacts alone very well document my issues ... 

XXXX - " You have qualified for the bonus offer on XX/XX/XXXX. So the bonus amount will get credited in the account within 90 calendar days starting from XX/XX/XXXX. '' XXXX - " it takes another 90 days time frame for the account bonus to get credited on your account mentioned on the terms and conditions '' XXXX - " you will receive it by the end of XXXX month '' XXXX - " it will be credited anytime in the 90 days '' " allow 2-3 days for the credit '' XXXX - " Need not worry you can expect the bonus amount in your account before 90 days form the 60th day where you have maintained the funds in your account '' " So you will be getting the bonus on or before XX/XX/XXXX '' These conversations in the chat window are captured in texts attached. Calling I was told similarly, and calling again on XXXX, XXXX talking to an account executive confirmed I was eligible and opened up yet another account dispute on the subject.

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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX  XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 )  XXXX 12 ) XXXX XXXX  XXXX XXXX 13 ) XXXX XXXX XXXX 14 )  XXXX 15 ) 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 explanation
Consumer complaint received 2017-10-05
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey. 

I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented. 

I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX. 

I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX. 

I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid. 

Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was  reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX. 

I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down. 

I am forwarding what I consider to be pertinent information. 

Thank you for your attention. 

Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Crossroads Systems Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a PPP loan with XXXX on XX/XX/21, I was approved by the XXXX on XX/XX/21, I signed loan docs on XX/XX/21. I have been asked to proved ID 3 times with no result of funding being released. I am unable to reach a person by phone or email and the chat bots are unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XXXX/XXXX/2022

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX 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 explanation
Consumer complaint received 2017-10-05
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Mas Financial keeps charging me for FORCED PLACE auto insurance when i have always had auto insurance with NO lapse of coverage.My insurance has proof of all the faxes that they keep providing to MAS and they keep calling and harrsing me about my insurance coverage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX {$370.00} Alltran Financial , LP claims there is an unpaid lease charges reported by XXXX XXXX XXXX. Alltran Financial claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX all obligations have been fulfilled and their record shows a zero balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from Alltran Financial , LP, and confirmed my lease payment has been fulfilled and account was closed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NEW REZ XXXX DBA Shellpoint Mortgage ) has committed fraud in refusing to process our loan payoff. We paid off our loan on XX/XX/2021. They stated that processing would be completed within 30 days. I contacted Customer Service department on XX/XX/XXXX XXXX 30 days XXXX. XXXX XXXX said that the loan processing would take up to 90 days, not 30 days. He would not allow me to talk with the Loan Servicing department which had send the email with the assurance of 30 day processing. I was alarmed by this tactic and after many attempts to find out how to proceed, he finally gave me an email address to contact the Loan Processing department. I then sent email ( attached ) asking the the loan payoff be processed according to the agreed upon 30 days. I have not received any response to my request. NEW REZ is failing to completed processing our loan payoff and committing fraud in so doing. 

Further, note that XXXX XXXX provided me an unrecorded letter notarized on XX/XX/2021 showing satisfaction of security instrument. NEW REZ is committing fraud in failing to process our loan payoff.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is someone with a similar name as mine but no middle name! Ive never lived in XXXX but have a over XXXX debt popping up on my excellent credit! I disputing this with XXXX and, you can get a rep on the phone & it remains this has to be illegal it is years old and, only a few years remaining on my credit I want it removed immediately it isnt my social security number or my correct full name also Ive never lived in XXXX or at this place! Please assign me a rep so I can go up against this company they need to penalize and punish the correct social and individual not me or my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Optimum Outcomes, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
received an offer from Key bank advertising " receive {$400.00} with depositing {$500.00} in a Key Bank Checking account within 30 days from the account opening and keep it there for 180 days ''. When I signed up for the account online I was only allowed to deposit a max of {$400.00} into the account at that time which I did upon signing up. Once the account was set up and I had my account information I then deposited the other {$100.00}. This was roughly dated back to X/XX/17, then 180 days goes by with me maintaining a balance over {$500.00}. So I then check my account once the wait period has passed and I do n't see a credit to my account so I then called the customer service line. From talking to them they said I had to make a deposit of {$500.00} within 30 days of opening the account, which I was unable to initially because they limited me to a max of {$400.00} when I initially signed up because of the offer. This seems very shady to me because when initially when signing up they do n't allow you to comply with the requirements of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-05-18
Company: Experian Information Solutions Inc.
State: OH
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 information that has been on my credit report doesn't belong to me and has been hindering me from gaining a better credit file going forward. The account listed is fraudulent and I don't have a hand written signature with the reporting company, therefore it needs to be remove immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. The late payment dates are as follows : XX/XX/2020 and XX/XX/2020

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 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2017-10-05
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency XXXX XXXX XXXX employees were harassing me by phone and were following me at my place or work, waiting around my home since XX/XX/XXXX. the harassment was unbearable to the point where I had to do a private investigation. this is where I found that those harassments were coming from XXXX XXXX XXXX XXXX in Wy. they have 2 office in Colorado at the address of XXXX XXXX XXXX XXXX co XXXX and XXXX XXXX XXXX XXXX XXXX co XXXX. As soon as I got those information from my investigation I sent them a cease and desist letter by certify letter with return receipt on XX/XX/XXXX. up to today they never respond to me which is a proof that they were the hiding company harassing me. today XX/XX/XXXX I sent them another cease and desist letter by certify mail with return receipt through my investigation I found that they claim that I owe them some debts XXXX $ + $ XXXX. I do not recall doing business with them neither or had a contract and agreement with them. therefore I requested on my previous letter to sent me a copy with my signature on it of the contract or agreement that I had with them which give them the right to collect any debt from me, they never responded. I also requested a copy of any contract or agreement that they have with the original creditor of those debts which entitle them to collect them. they never responded as well. but the harassments continues. again XX/XX/XXXX I sent them the same cease and desist letter with the same contract requests. by law I have the right to remain free from those unlawful tactics of this companies used. they constitute harassments, stalking and etc. also under the FDCPa section 805 ( c ) it is my right to request them to case any so ever contacts. those requests was sent to their XXXX XXXX XXXX WY XXXX address. but since they know they do not have the right to collect any debts from me they still do n't respond to me neither stop follow me around or calling me. 
Reason why I am filing my complaint. this company have 2 offices in colorado one in XXXX XXXXXXXX and XXXX and they are a threat to the lifes of civilians in public

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In the past, I had subscribed to the local news paper. I cancelled this subscription in writing, via email, pursuant to the requirements laid out in the card holder agreement in early XX/XX/XXXX but the merchant never stopped charging my Citi Bank credit card every month. 

I've filed disputes each month, have called the bank over 10x, and provided the emails I sent the merchant to cancel at least 15x via email to the bank. There are now 6 disputed transactions ( XXXX through XX/XX/XXXX ), and 3 have been resolved in my favor, but the bank somehow found against me- in conflict with the facts proven by my supporting documentation AND 3 other findings in absolutely identical situations on one of the other months and are STILL investigating 2 others. 

On the XXXX, XXXX, and XXXX charges that I'm disputing from this merchant for cancelled services, Citi has closed the disputes, and refunded the money. Somehow for XXXX, they found in favor of the merchant ( in contradiction of their findings in the other months which contained the exact same facts ) and they are still somehow investigating XXXX ( by have closed XXXX? Makes no sense ) and now XXXX as of another charge that Citi let go through, which I disputed today. 

I've called 2x to have a new card issued as well, and was told it " was not necessary. '' Please help! I'm tired of doing everything I'm suppose to do in this situation and the bank refusing to process the identical disputes properly, apply credits, stop the merchant from making the charges, and reissue the card.

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 2020-10-08
Company: Ability Recovery Services, LLC
State: LA
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:
ability recover services is reporting inaccurate information and i have disputed it in writing and online and the results remain the same it is indeed INACCURATE

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