BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-06-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Resurgent Capital Services has been billing me for a debt which I have disputed. I sent them written notice and also called them back after they had contacted me at my place of employment along with numerous other phone calls. They sent me another notice XXXX XXXX, XXXX with Historical account information where they claim this was an XXXX XXXX XXXX XXXX XXXX, original collection date of XXXX/XXXX/XXXX with a charge off date of XXXX/XXXX/XXXX and their information saying the debt was acquired XXXX/XXXX/XXXX from XXXX XXXX XXXX. So now in XXXX they want to open up and collect on something from XXXX, how is that possible?? Resurgent claims the original amount at time of acquisition was {$180.00} and they are adding Interest of {$160.00} for a total of {$350.00}! I have repeatedly advised that this bill is not valid or due, and something going back so many years?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In violation of FCRA, the above mentioned credit report by Experian, a section of " Requests for credit history inquires shared with others '' contains name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt:1. XXXXXXXX XXXX XXXX XXXX XXXX2. XXXXXXXX XXXX XXXX XXXX XXXXExperian should explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
submitted my original dispute to XXXX and Experian and was told by phone that the dispute was never started but they sent results saying it was completed and will remain. The documents I sent to them were never uploaded for a dispute. It was an XXXX mortgage t originally through XXXX XXXX XXXX the 20 % has been deleted from all XXXX bureaus. XXXX XXXX is the only bureau that has deleted the 80 % ( XXXX XXXX ) and the 20 % ( XXXX ) for both creditors the fraudulent mortgage from my report but XXXX and Experian did not delete the 80 % and have not even scanned in my supporting documents but they keep saying the information should remain. XXXX XXXX XXXX has not been established as the new payee and they do not have the original mortgage note.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am a member at XXXX ( XXXX ). At XXXX I have an XXXX credit card. This card had a promotion going through XXXX XXXX, 2016, to make five purchases, each & gt ; {$25.00} to get a {$10.00} bonus credit to the account. I complied with terms, and XXXX agrees. XXXX has not complied, and they acknowledge so. This bonus is a marketing promotion, a small amount for each customer ; however, there is a disclosure/compliance issue now, many XXXX customers in Massachusetts, where I live, and across the US, may be also affected -- possibly all who have XXXX cards there. XXXX has not credited the bonus as required, and despite my calls escalating to their executive resolution team on three occasions. At each level XXXX acknowledges fault, promises a resolution, but does not call back in the promised timeframe. Since many XXXX XXXX card customers may be affected similarly, I ask that you follow up with an inquiry there. I am asking XXXX to cooperate with you on my XXXX account and provide info to you as necessary. To summarize, the issue concerns XXXX noncompliance with its bonus offer on the XXXX card during XXXX, 2016. I have also filed with the Massachusetts Attorney General and XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04
Company: Movement Mortgage LLC
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to XXXX XXXX XXXX XXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the companies and they approved to update and correct the accounts on my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-10-31
Company: ZARVAD III S.A.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did at length report to XXXX that my credit score ( XX/XX/XXXX it was XXXX : now it is XXXX ) had gone down significantly [ XXXX points ] for no reason and the answer was : " The higher your credit score the more it is scrutinized and every negative impact impacts it significantly '' I had absolutely NO DEBT in the spring, took out a reverse mortgage ( drew out {$46000.00} of possible {$76000.00} : paid cash for a new car and credit for flooring that I paid off immediately. I owe less than {$300.00} today! Before the reverse mortgage, my house was paid off and had been since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2017-08-15
Company: Fidelity National Information Services, Inc. (FNIS)
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:
To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

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 2022-10-21
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled XXXX in my XXXX home on XX/XX/2021. My bill was paid. They took XXXX out of my bank account on XX/XX/2021 for services not rendered. I removed my bank account from the XXXX account so this would not continue to happen. They continued to bill me through XXXX XXXX Credit Management Lp continually tries to collect money I do not owe XXXX XXXX in fact they owe me XXXX. I have explained this to XXXX and Credit Management LP. They never respond. I moved to XXXX XXXX on XX/XX/2021. There is no XXXX service in this area that I could be billed for. Credit Management LP just put a collection notice on my Credit reports for {$100.00}. This is fraudulent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
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:
Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with XXXX, XXXX, and Experian. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB Team, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.

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 2022-10-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$360.00} Charge-off : XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of XXXX XXXX XXXXXXXX XXXX Date of XXXX XXXXXXXX XXXX Date of XXXX XXXX XXXX XXXX Date of XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry:07/08/2021

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 2015-05-18
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have/had a loan with Hyundai finance and gave them my information for them to take money out of my account and they would send me an email payment received. They never took the money out of the account never contacted me about a problem and just showed up and took the car and would not let me have it back. Said they called me told them I had no record on my call log then they said they do n't have to call and they sent a letter said I never received a letter. They said the email of payment processed meant nothing and it was my fault. Would not work with me and picks and chooses when they want to follow their rules. The problem was not me not able to make a payment the problem was they said payment processed and they never took the money, said bank refused the authorization of the payment but do n't know why. Called the bank and they said they never attempted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. 
I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. 

The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. 

Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise? 
Thank you for any help you can offer. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I receive my XXXX and XXXX scores for free through XXXX XXXX, which is great! However, I noticed when applying for credit that my Experian score was lower. The only way to get Experian score is to sign up for an account. They make you believe the cost is {$1.00}, but after you sign up, you are informed that it is $ XXXX/month and that the {$1.00} is for a 7 day trial. While you can create an account online, you can not cancel your account online. You are required to call. Initially the recording asks if you would like to speak to someone or use the automated system to cancel. After entering personal information through the automated system, they automatically convert you to a representative ( outside of the US ) that again asks personal questions, makes an offer to reduce the cost to $ XXXX/month for the service. It took 90 seconds to create an account and 9:39 minutes to cancel. No confirmation of the cancellation has been sent, although I have " been assured '' that no additional charges will appear. I feel that this is an incredible opportunistic and questionable means of a credit reporting company doing business. And now I am concerned about identity theft knowing that all of this information is sitting on servers outside of the US.

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