BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: Stenger & Stenger, P.C
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stenger and Stenger filed suit against me in XXXX XXXX XXXX Court. I contacted them and explained I never had this account. They forced me into a payment agreement so I could have time to correct this before the court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: SANTANDER HOLDINGS USA, 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: Old information reappears or never goes away

Complaint:
This account is close and is affecting my credit I dont own no balance this account is pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
On XX/XX/2021 I sent a letter to XXXX instructing them to remove this account from my credit report. They still have not removed. This account is not mine. I am not responsible for this account. Account is XXXX XXXX. Again this is not my account, I am not responsible for this account, I have been removed from this account and now I need this account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : 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  I need these inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PARAGON REVENUE GROUP Contacted me in regards to two hospital bills with past due deductibles. I gave them my Veterans insurance information for them to submit claims for payments as well as previously providing the hospital the same information. Ive also contacted the VA to ensure payments would be made on my behalf. The PARAGON REVENUE GROUP continued to contact me by phone and mail with no indication of insurance updates and they have now reported the past due bill to the credit reporting bureaus. By law, the treating hospital must submit claims for payments to the VA in a timely manner ( within 90 days of discharge from the treatment facility ). XXXX XXXX XXXX XXXX has a history of failing to submit claims to the VA and the employees dealing with insurance continually have issues with the proper entry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had several calls from this number from Harris & Harris, LTD XXXX XXXX   ( XXXX  ) XXXX - Im in Florida- for the last couple of months and always let it go to voicemail and read the transcript, is a debt collection agency that I have no business with. They call, at odd times also, robocall, finally I decided to call back and complained about the harassment and stated I have no debts being collected, she took my name and number and said it didnt match who they were looking for. A week later the calls started again, called back and complained and said I was going to report them if they continued the calls. It may have been one to two weeks and Im getting the calls again. Last call XXXX on XX/XX/XXXX. I can check my log for the other calls if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the XXXX $ eviction debt in full. The collector promised to remove it from my credit report. They did not and its a huge hindsight on my credit score especially since Im seeking housing at the same time XXXX $ is a huge debt to pay and not have it honored. Getting the run around.

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 2021-09-14
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt. Company agreed to delete this account once paid yet it is still being reported on my credit as a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harvard Collections Services has called me twice with my last 4 of SSN, name, and addresses telling me I owe them money for XXXX County, CA and a few weeks later State of Illinois. They also said they " never call on behalf of other counties, let alone in the XXXX of California '' despite calling me about XXXX County a few weeks prior. They provided me a fake number with Illinois Department of Revenue to " verify '' this outstanding debt. I verified with the state and I owe them XXXX dollars. Clearly a scam/abusive and I am troubled because they are a contracted agency with the Illinois Dept. of Revenue. This is scary and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: GreenSky, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
MY COMPLAINT IS WITH GREENSKY ONLY, PLEASE DO NOT CONTACT THE OTHER ENTITIES I opened an account with Greensky to finance a new roof on the house through XXXX XXXX XXXX  XXXX. The roof they did was not done properly and i put a freeze to prevent the merchant of putting a the final payment charge on my account, however what i didn't know was the charge already happened and had not posted yet. The charge went through and i was livid. The contractor did not finish the job properly. The contractor eventually refunded the final payment in the amount of {$3600.00}, and that charge is going to wind up in court. The initial payment was the down payment for the job was charged to me at {$1800.00}. 

However that charge of {$3600.00} was fraudulently charged. The fact that it was refunded, does not make it right and I want documentation on what happened. 

Greensky requires the contractor to get authorization from the borrower before any charge is processed. I never gave my authorization to the contractor. There was no communication that authorized the final payment, because at that time, I made it clear that elements in the home improvement contract was not complete. Additionally the building inspector has furnished a letter stating the roof is not built to code. 

Per Greensky, an electronic signature was put in under my name authorizing the final payment/transaction. I have demanded whatever documentation they have on that transaction, and they have refused. I want whatever documentation there is in relation to the charge itself. I want to data entered into the terminal, app, or system, a copy of my signature, or whatever box was checked showing my agreement to that charge. 

Greensky openly acknowledges that it is a technology company and not a financial instituion. My loan is through XXXX XXXX, XXXX XXXX refuses to talk to me because I do not have the bank account information due to a Greensky " error ''. Greensky refuses to give me my bank info so I can complain to the bank itself and not Greensky who is not bound by consumer protection laws in regards to finance. I demand my bank account so when I say the word " Fraud '', it is to a bank and not a technology company, and that action will be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank checking account with a promotion to receive XXXX XXXX advantage points.The promotion stated I had to spend {$1000.00} and pay a bill monthly for 3 months. The period began XX/XX/XXXX. I used my debit card to pay a bill of {$1000.00} and paid my XXXX online streaming account for more than 3 mos. On, XX/XX/2020 I recieved a notice that I had not fulfilled the requirements. I called Citibank and after being forward to three different agents, I spoke to XXXX who informed me that I had not fulfilled the bill payment requirement. I told her I fulfilled the requirement by paying my XXXX bill monthly over 3 months. 
Citibank should give me what was agreed upon and promised. The program seems to be some kind of flim flam trick to get one to open an account then deny one the offer promised through trickery and confusion. Im surprised a well known reputable bank would resort to offering an offer purposely deceitful and should be illegal if not fulfilled. The offer was to give me XXXX XXXX XXXX miles to my Advantage 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 explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2020 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
To Whom It may Concern, I am writing this letter in regards to my Capital One Account. 
The account that I had with Capital has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hello, Someone tried to open a XXXX XXXX credit card and an XXXX credit card unsuccessfully. I have spoken to TransUnion many times and they will not remove the hard inquiries. So spoke to XXXX XXXX and they are saying they have sent for XXXX XXXX 3 letters to remove the inquiry. Reference # XXXX 
XXXX they stated they have sent 4 letters to remove. Ref # XXXX. 
Last letter for XXXX was sent XXXX and XXXX XX/XX/XXXX. 
TransUnion is stating they have not received any of these letters. I am beyond frustrated that TransUnion is unwilling to help remove these two hard inquiries. One was XX/XX/XXXX and 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 2023-07-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2020-11-06
Company: DISCOVER BANK
State: NY
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:
I called Discover about a ghost transaction that was not showing up on my credit card statement as Pending or Posted, but was showing a transaction on Discover 's end. The amount was for {$80.00} and so I spoke to XXXX from Utah Call Center at approximately XXXX on XXXX and I explained what happened after I got a declination from Discover. I informed her, that while I do keep track of my charges, I was not going to keep an XXXX spreadsheet of miscellaneous and unplanned charges due to the fact that it was a credit card and not a debit card. I have a Pdf for the CFPB if there is a way to upload the printed and scanned documents to show the discrepancies in the account balances. It was not an XXXX issue, as they will not ship the items until the billing was approved by a credit or debit instrument- it was and is Discover 's fault for the declination of {$61.00}, because as I said, I was not going to go through both systems to see which transactions were listed on each account when I know that XXXX will not ship an item unless the item was paid for using either method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: OneMain Finance Corporation
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is about OneMain Financial ( OMF ) for a presumed violation of the Fair Debt Collection Practices Act ( FDCPA ). There are XXXX stretches of time where they contacted me more than XXXX times in XXXX  days since XX/XX/XXXX. They call me at my cell phone number from their office telephone number. I do make payments to them late but always have and always will catch up. 

While OMF is a financial services company and the original company with whom I owe this debt, the emails they send me and their own website clearly state, " This is an attempt to collect a debt and any information obtained will be used for that purpose, '' hence I identify them as debt XXXX in this scenario. 

The dates and times of the calls are XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in 7 days. This presumed violation also occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX days. Additionally, this presumed violation occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/2018 I received {$2800.00} via XXXX for a transaction that I was asked to withdraw the money and buy bitcoins for a third person. I received the money and did everything that I was supposed to do, before it I asked my account manager if XXXX was trustworthy and she said yes, once the money is in your account. 

In XX/XX/2018 the same amount was debited from my bank account because the company which did the XXXX transfer opened a claim. 

In the meantime I was not reached from the bank or XXXX to contest the claim, they just took the money from my account. 

My manager contacted the claim department of Bank of America and they said that they can not do anything. 

I contacted then and they said to me that I have to do a law enforcement. I did an IC3 in the same day.

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 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Cap one bank na
XX/XX/2021
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX
XX/XX/2021 INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XX/XX/2021
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Aqua Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have consolidated loans with the loan servicer Navient. I am a teacher and applied for Federal Teacher Loan forgiveness this past summer. I was denied even though I met all the qualifications and submitted proper paperwork. It has now come to my attention that Navient was involved in bad practices that made it impossible for teachers and other public service providers to be eligible for these loan repayments. They put their needs and desire for extra fees above those of their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>>>>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened>>>>> 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