BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: U.S. BANCORP
State: SD
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:
On XX/XX/21, I submitted a fraud claim for transactions on my credit card that I did not authorize. I received communication from XXXX Services that they are providing provisional credit and researching the claim in a letter dated XX/XX/21. I also received a letter dated XX/XX/21 that my fraud claim has been denied and I am responsible to pay for the transactions. The reason given to me for denying the fraud claim was that the transactions were conducted using a chip. I have a card and my son has a card and neither of us have lost our cards. I am only asking that the fraudulent charges be removed from my account and be reimbursed for my payment of these charges.

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 2020-05-27
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Preferred CMS ( XXXX. XXXX XXXX XXXX, FL XXXX XXXX, XXXX ) has been continually robo calling my cell phone since approximately XX/XX/XXXX. On XX/XX/XXXX I sent them a certified letter ( that they signed for ) requesting that they cease and desist all communication with me and they have failed to comply. Due to all of the calls being automated robo calls, I have never spoke to a person a Preferred CMS, but if I had to guess, I would think that this is about a {$30.00} co-pay from XXXX XXXX XXXX XXXX that was billed and paid on XX/XX/XXXX. Both XXXX XXXX and Preferred CMS have received copies of the cancelled check showing that the amount and account number have been paid. I have proof that the bill was paid and proof of Preferred CMS 's acceptance of the cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$7000.00} account # XXXX 30 days late in XX/XX/2021.

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 2020-12-22
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt has been turned over to 7 different collections company. this was part of a fraud case back in 2009. PART of the bankruptcy case. My Lawyer sued XXXX XXXXXX/XX/XXXX settled out of court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ii was imoact by the equifax breach settlement my since 2017 they have pass my personal info to vartious agencies also my rec ort been mess up already file lots of claims and no responce

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. I purchased an XXXX  from XXXX in XX/XX/XXXX. I had an account open from XXXX XXXX. I closed that account so I could assume responsibility for the phone and phone number I had from my ex-boyfriends account ( he had disconnected the line in XX/XX/XXXX, which is why I went to go open a new account in only my name, but then he agreed to let me keep that original phone I had. ) I wasn't able to pay the account in full at cancellation, but months later I did pay the account in full. I have a letter from XXXX  XXXX XXXX and a Bank Statement showing I paid {$1000.00} to XXXX on XX/XX/XXXX. ( I made the payment XX/XX/XXXX and it posted on XX/XX/XXXX. ) For the past few months my children and I have been receiving harassing calls from a company called I C System. The call says scam likely on the phone. I called XXXX to report the calls and they advised me to block the calls and download and pay for an app called XXXX. After months of ongoing issues, I asked what else I could do. An adviser suggested switching from XXXX to XXXX because XXXX is more secure and less likely to have scam calls. After having 3 XXXX phones for less than 1 year, I purchased 3 new XXXX phones. I brought in the XXXX XXXX with hope to use it as a trade-in. I was told the phone was blocked because money was owed on the account and it was sent to collections. I told the person helping me I paid XXXX in XXXX. He called the collections agency. A woman with a rude tone told me over speaker-phone that I had never made a payment. I was embarrassed in front of a store full of people. I wasn't allowed to use that phone for any credit. The XXXX rep became rude, charged me full price for all three new XXXX I asked for new phone numbers for the new phones. He said he could show me but there would be a charge. I said I would be ok with that, I just don't want harassing calls anymore. I told him I wanted to handle it right then. He said, no you don't want to pay {$20.00}, just call customer service when you get home. He put the new items in the bag and called over another customer. 
I have been getting emails regarding I C System updating XXXX, and XXXX. XXXX XXXX had to be the one to notify me. I recognized the name from the annoying phone calls immediately that have been plaguing my family all year. We block a number, they call from another number. 
XXXX should have never sent my account to collections. I paid my account in full. They broke the law, my children and I have been harassed, and my credit has been adversely affected.

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 2017-12-26
Company: CITIBANK, N.A.
State: CA
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:
Citi Cards XXXX XXXX XXXX XXXX XXXX, MO XXXX Dispute a Visa card purchase Dear Federal Trade Commission! 
1. I would like file a formal dispute via Citi Visa purchase in writing 2. I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} and {$94.00} ) on which I file a dispute. Here are that merit a dispute : A ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
B ) My credit card account was charged more than once for the same transaction. I authorized one charge for {$4.00}. 
C ) Didnt approve purchase this item for amount of {$89.00} and {$94.00} D ) The item never arrived the item never was delivered to my door. 

REF to XX/XX/XXXX Reverse {$89.00} 1 ) On XX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back 2 ) On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card 3 ) On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF to XX/XX/XXXX Reverse {$89.00} A ) Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant B ) I told Citi bank more then 10 times : 1 ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
2 ) The item never arrived the item never was delivered to my door. 
3 ) Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

C ) Citi bank said/reply more than 10 times : A ) You support to file as dispute NOT fraud B ) The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant Per federal Truth in Lending Act and the Fair Credit Billing Act : Under the Fair Credit Billing Act, credit card purchases protection. 170. Rights of credit card customers 93-495 93rd Congress - H.R. 11221 I certify that the information I provided is accurate to the best of my knowledge. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA 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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Customer service would not help and take care of the negative inquiries reporting to my credit report. I only applied at XXXX company and I have several on my credit report. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$7000.00} account # 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 2021-06-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a second mortgage with XXXX XXXX of which the loan was written off. 15 years later, I am receiving threats and harassing phone calls and foreclosure notice from Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX ). I have tried communicating with them through phone and have requested written documentation that they are the party that should have been paid for the loan. Which they have not will not provide. The original loan amount was XXXX dollars and they are demanding that I pay XXXX dollars. I hired and attorney and they are not complying with anything and they are continuing to harass me without providing proof that I owe the money. I am writing this to find out if there is any way to stop the harassments and resolve the situation and to complain about the tactics that this company is using. I am scared of losing to the foreclosure threat.

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 2017-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XXXX XXXX Equifax was hacked and my information was taken. At that time I was a enrolled in XXXX XXXX XXXX XXXX. Equifax did not inform me of the hack even though I had the XXXX XXXX XXXX! I received monthly emails from Equifax stating " We are pleased to inform You there were no critical events reported last month ''. My information being hack is a critical event! 
It was reported on the news that Equifax was offering free credit monitoring to the people hacked. I signed up for this. It is now being reported that by singing up for the free credit monitoring that I have waved my right to sue Equifax. I signed up several weeks ago and have not received a conformation that I 'm enrolled in the free credit monitoring offered by Equifax. It seems they wanted me to wave my right to sue and are now ignoring the risk to my identification and credit. 
Equifax is using every tick in the book to limit their losses. 
1st not reporting the hack in a timely manner 2nd Not reporting my information was taken while I was a member of their XXXX XXXX XXXX XXXX 3rd by baiting the public into waving Our right to sue by offering a free credit monitoring 4th Long hold times in excess of 90 minutes with either no hold music ( to make us think we have been disconnected ) or Loud static to drive us to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: SHD Legal Group, P.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the mishandling ( purely ignoring ) the information ( insurance documentation ) which began a series of events, a house I own is now in foreclosure. I 've tried tirelessly to have the issues addresses which XXXX XXXX XXXX XXXX even the CFPB, and now, the attorneys handling the foreclosure SHD Legal Group PA, XXXX XXXX, FL ) just ignore all correspondence. I 've continually attempted to proactively address issues prior to 'escalation ' but no one seems interested in that, probably just interested in acquiring a home worth over {$200000.00} for a loan amount that should be $ XXXX or less and I 've stated several times I could pay off with cash. 

I provided SHD Legal Group with not just the information that began this entire situation but at that point they also had my best contact information but they have yet to be in contact. Based on the information I assumed they would quickly reverse course and check the facts to reduce the damages I have suffered ( obviously this has hit my credit ) but they have not at all. 

I 'm also here, just like I 've always been, I 'm not running from this but I 'm getting word of the process server harassing/scaring the tenants and now my work which if someone would just ask to meet up, they just need to be in contact, in writing, everything in writing ... The fact is usually work from home and this past week my XXXX year old mom had pretty serious XXXX and it did n't go too well so I 've been at the hospital quite a bit. This is a two way street though, be in touch, I 'll address their issue of where we can meet up and I request information related to why or why not they have refused to be in contact and consider the information sent to them. I have attached a copy of the emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Veros Credit, LLC
State: CO
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:
On XX/XX/2022 - I sent a letter to Veros credit to validate a debt that reported on my credit. I received no response. On XX/XX/2022 I sent a letter to cease collections and credit bureau reporting. They sent a letter back, asking me to give them all the information they I asked them to provide... which is my right under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
If they are reporting an account on my credit bureau they by law need to provide me with the information, I obviously dont know what the account is otherwise I wouldn't be requesting the information that they placed on my credit report. 

I have attached all supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX 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 2022-02-01
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I submitted a dispute with Equifax regarding numerous unauthorized inquiries to my credit history ( about 24 in total, give or take ). The confirmation of that dispute is : XXXX. About two hours later I received a result stating that they had fully investigated all inquires, and that they were all valid. A request for how they verified these details went unanswered. 

Given the fact that there quite a few inquires to check, mixed with the fact that they responded a few short hours later, leads me to believe that they did not investigate my dispute at all and therefore have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ERC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery has sent collections documents to me in reference to XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Enhanced Recovery sent me statements from XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Enhanced Recovery nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached.

Pursuant to 15 U.S.C. 1692g, a statement does not prove that the debt belongs to me.

I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement. 
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX  to XXXX, XXXX, and XXXX  requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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