BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: Sebrite Financial Corporation
State: NC
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 contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send a debt validation to the creditors and requested debt verification with my signature and they dont send the correct validation and verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I learned about this debt after being denied at an apartment complex. It was ran by XXXX and I was denied because XXXX XXXX has turned over debt to national credit. I am not sure who owns this debt. The debt is inaccurate. XXXX XXXX owes me money and refused to provide proof of the costs. XXXX XXXX simply told me this would follow me. This debt through XXXX XXXX  does not appear on the traditional credit bureaus. XXXX XXXX NEVER PRODUCED A INITIAL LETTER WITH MY RIGHT TO DISPUTE. I went through the XXXX ( See attached letter as this is what I want addressed here ) and all they gave was an unresponsive and generic response. They need to remove this and send me an initial letter giving me a chance to dispute. Ive sent them emails. They dont respond. Or return phone calls or messages. The XXXX time they called me was around almost XXXX in the morning which is a violation in its own self. I want the attached letter answered. I will not stop until thats done whether through this means or a regular lawsuit or a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Client Services, Inc.
State: WI
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:
On XX/XX/XXXX contacted XXXX XXXX, XXXX XXXX XXXX and Client services for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and XXXX XXXX last reporting activity was XX/XX/XXXX, and no updates XXXX XXXX was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I ordered my CoreLogic ( SafeRent ) report and I noticed a Inaccurate date and information on my rental history.On my report they have a listed date in XX/XX/XXXX that i was evicted but I was never evicted from that date they have listed on the report.The Apartment that in am talking about is : XXXX XXXX XXXX Fl 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 2018-04-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I just took out a XXXX XXXX XXXX Gold Card.  I was four days late on the first payment and of course i get hit with late fee and interest.  After that I was caught up and paid in full.  They have some type of system that is charging me interest on the average balance of $XXXX starting fromXX/XX/XXXX to a unidentified date and for an interest charge of $XXXX.  I know the amounts are small but i have not had a balance of $XXXX on this card.  I am writing because I am sure American Express is doing this to many others.  I just got my XXXX Balance online and have uploaded a check to them as i am trying to figure out how to get in front of the average balance.  They call it trailing interest but if you do not know the amount ahead of time then you cannot get caught up. They continue to charge you until you make two consecutive payments in full according to their representativeIt appears to me to be a Loan Shark system that makes it difficult to get caught up. FYI I am going to stop using the card pay what i owe and cancel it.  People worry about check cashing operations but these big banks and financial organizations make the crooks look like angels. FYI my credit score is an XXXX so i pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I RECEIVED MONTHLY STATEMENT REGARDING MY XXXX ACCOUNT & I FOUND THEY DID NOT ADD MONTHLY INTEREST IN THIS ACCOUNT. THE CUSTOMER SERVICE OF THIS BANK WAS VERY BAD. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. I THINK THIS IS FRAUD THAT THEY DID NOT PAY INTEREST IN MY 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 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion customer service would not help and take care of the Unauthorized negative inquiries reporting to credit report. 

Unauthorized inquiries desired to be deleted XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX National Credit Cards/Airlines Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX 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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable 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
Consumer complaint received 2018-10-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In an effort to learn my pre-approved rate on a personal loan with ONE MAIN FINANCIAL, ONE MAIN FINANCIAL did a hard pull on my XXXX  credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from XXXX  removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact XXXX  and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.

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 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We booked a trip to XXXX with flight and hotel includes. Flights were from the XXXX to the XXXX of XXXX, XXXX XXXX Confirmation # : XXXX. On the XXXX I tried calling to confirm our flights with XXXX and the line was disconnected. I tried emailing them and nothing, after that I called the hotel the flights and it turns out that XXXX has cancelled all the reservations without any notice. Now I don't know how to contact XXXX to get my refund. I looked online regarding this matter and everyone who booked with XXXX is going through the same problem, so I decided to open a claim with my Bank of America because XXXX won't be giving me my money back. Total amount of the trup was {$2800.00}. It was split into mulitple mayments. My bank refunded me {$1700.00} and said the rest i can't do anything about it that i will have to go through a third party. Looking for help to get my payment back to me. Thank you! 
Payments listed below. 

XXXX {$190.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XXXX {$440.00} XXXX {$440.00} XXXX {$440.00}

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 monetary relief
Consumer complaint received 2018-10-10
Company: Financial Credit Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today, XXXX XXXX, XXXX I talked to someone with a company called ARA, Inc. They had made two previous calls to my cell phone but never left messages, so I called the number to see what the calls were about. The person then proceeded to tell me they were calling to settle a debt from XXXX from a XXXX XXXX XXXX account in the amount of {$4000.00}. I told him the account he mentioned did not sound familiar. He mentioned the account was opened in a different state than where I lived in XXXX, then subsequently sold to different collection agencies. I reiterated to him, I didn't even live in that state in XXXX. Not only that, but he repeatedly kept referring to me by my First and Middle names only. He had very detailed information about me and my credit record. He sited my complete social security number ; he referenced current accounts on my credit report, and then stated that I had good credit, ( " re-established credit '' ) and then insinuated that he would do whatever necessary to recover the {$4000.00} and pursue legal action. He then accused me of using different names. I stated that in the 19 years I have lived at my current address, I have never been contacted by anyone regarding a XXXX XXXX  credit card account, and at this point, all this was, was a random call to get money out of me and I requested he send me detailed information about the account / debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around about XXXX XXXX, 2017 I received a letter for me to dispute the debt within 30 days.The letter was sent out on XXXX XXXX, 2017 however I did not receive none of my mail until around XXXX XXXX, 2017 when I gave the debt collector a call. All of my mail was sent back to the post office trying to forward it back. I had to call the post office and walk in to speak with someone about my mail. I call the company Hayt, Hayt and Landau, P.L. an left a message stating that I just received this letter and I will like to dispute the debt. I  explained in the voicemail that I was not receiving my mail and that I have proof. I did not receive a call back neither anything in the mail. I tried calling them again and no answer. On X/XX/2017, I also sent to Hayt, Hayt & Landau, P. L., a Creditor/Debt Collector Declaration and I have yet to receive anything back from them. by law I was under the impression that they have to provide that information to me. No answer to my certified letter. The next thing I know I am getting a lawsuit served to me on X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XXXX of this year I tried to close my account at XXXXXXXX XXXX XXXX XXXX XXXX due to fraud. 
I closed all direct debits to this account, but despite this, Citizens Bank has refused to close the account. 
The bank says I currently owe some {$150.00} on the account. 

I would like the account closed and a reversal of these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: JPMORGAN CHASE & CO.
State: PA
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:
In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Kinum, Inc., Indianapolis, IN Branch
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never given proof of the debt, never notified of my right to dispute and received harassment from XXXX at Kinum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have mailed 2 certified letter and 2 regular letters t have the incorrect information removed from my file to no avail. Please remove the incorrect information from my file at once.

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 2018-04-27
Company: Davis and Goldmark, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday, XX/XX/XXXX, a man named XXXX something called from XXXX. He asked for a specific person. I asked him what company he was calling from and what his name was and what this was in reference to. He refused to answer what he was calling about. Instead, he simply kept raising his voice, interrupting me as I tried to find out who he was and what the purpose of his call was. He continued badgering me with " Is this [ name of person ]. '' He became progressively more angry and confrontational -- - as I asked what this was about. He proceeded to insult and harass me with words to the effect that I needed to listen to him with my ears - as opposed to " some other part of my anatomy '' [ I am being polite ] that he alleged. I later looked up what entity that the phone number - XXXX - he was calling from is associated with and the following information came up : Davis and Goldmark XXXX. XXXX XXXX. XXXX, CA XXXX XXXX. 
I gave no permission for them to record me or the phone call. 
Davis and Goldmark is a collection agency. They were engaging in what I later discovered are the same harassing, yelling, intimidating, bottom-feeding tactics of collection agencies. 
I have never received any written correspondence from that company and until the harassing phone call I have never heard of this company. I advised the caller not to call ever again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Security Credit Services Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 Security Credit Services trying to collect on a debt I Do Not owe. I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. I only notice because it showed on my Credit Report. I have never heard of or know of Security Credit Services or the company affiliated with them such as XXXX and XXXX. Around XX/XX/2018 I was notified that Security Credit Services had reported on my credit reports and the original creditor was XXXX. I received a collection letter from XXXX showing XXXX XXXX XXXX as a Ceditor and claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. Security Credit Services and/ or XXXX XXXX, XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX , XXXX, Security Credit Services, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Bliksum, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have contacted the ( XXXX XXXX ) a few times this year and I asked them if it was possible if I can lower the APR on the loan they said my loan is at it lowest ( 9.99 % ) I have never been late and every time I check my account online they state that they can not touch my account do to the fact that I'm currently on Active status in the military I opened my loan for {$42000.00} and my loan total of payments {$98000.00}. I have no problem paying off the loan that I took out just not at 9.99 % I currently am a homeowner and my loan is under 5 % for my house I never been late on a payment and really don't think its fair that they say they can't help me because I'm MILITARY on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a U.S>Bank ReliaCard in the mail on XX/XX/2020. I did not request this card, when I called I could not get a representative to talk to without divulging personnal or financial information. Was told to call back when I would give this information. I want to know how they were able to mail me this card? Is this legal?

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 2021-09-08
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. Flagstar bank has taken since XX/XX/2021 to process a mortgage refinance. 
2. This bank is also requiring me to amend my tax filing and requiring me to show proof the tax bill was paid. 
3. I asked the appraiser to go to the property and evaluate the property without disturbing the tenants. The appraiser required photos of the interior.

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