BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not 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 2016-06-14
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Comerica
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX collections from Pinnacle Credit services on all XXXX credit agencies. 

I have attempted since XXXX to get proof from Pinnacle that the debt is mine. 

They will not communicate with me but they keep validating it with the Credit Agencies. 

I have a perfect credit report but this is affecting me and my ability to grow my biz. 

Please help. 
Thank you, XXXX XXXX

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 2016-06-21
Company: Guild Mortgage Company LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 6 years we have had an active mortgage loan with Guild mortgage. We had set up agreements with them regarding making monthly payments and another 1/2 a payment. They continue to state that they did not set this agreement now that it has come to our attention due to putting the house up for sale that they were not indeed applying this money but taking the payment and keeping the other 1/2 a payment in an undisclosed account. This year with graduation as a XXXX we elected to just go back to making monthly payments well we did not relize that over time each payment was slightly short a few dolars or cents. Instead of notifying us of this even though we were calling and physically talking to an employee working at Guild that was giving us the amount to pay they would just put the money in an " undisclosed account '' and repeatedly reported us to the credit bureau. When it came time for the final payoff as we are in the process of selling I received a payoff statement with all this reported late charges etc. No phone call nothing and we then received our credit report. I become XXXX when I saw what had been repeatedly reported as being late of payments. I called to discuss this matter and have continued to get the run around. I have received letters stating they would perform a correction with the noted credit reporting which has not happened. We are now being denied for a home loan because of what they have done to our credit. In 6 years I have paid every dollar and have worked for every XXXX. I feel as though they are destroying my life literally and when I tried to explain the current situation the loan individual literally laughed. I feel trapped and they stated they are in control which is more than clear at this point. I want the reported mistakes acutally taken off so I can more on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Square Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Deposited my ui benefits into a cash ap account. I purchased a new phone and tried to sign in but they locked my account for possible suspicious activity. This was on XX/XX/2020. On XX/XX/2020 they unlocked my account and unlinked my personal info and kept my funds totaling {$1100.00}. Trying to login results in making a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I ended my lease with Infiniti XX/XX/2016 through a trade into XXXX. XXXX paid off my final 4 payments and disposition fee for a total of {$2000.00} on XXXX/XXXX/2016. This included 4 payments@XXXX for XXXX - XXXX 2016 and a disposition fee of {$390.00}. I had ACH on this loan and additional payments drafted on XXXX & XXXX as I did not cancel the ACH to avoid any potential credit issues if XXXX did XXXX close my lease on time. I contacted Infiniti in XXXX to see what the hold up was with ending my lease and to seek a refund for the 2 additional payments tha were drafted after the time of XXXX being paid off by XXXX. I was told I needed to remit a final odomometer reading statement to close out my account. This was faxed on XXXX/XXXX/16 & XXXX/XXXX/16. I called several other times within XXXX to XXXX to seek my refund and was advised that it could take XXXX weeks to generate an end of lease lyability statement. I once again called XX/XX/XXXX to seek the refund and was advised that the end of lease statement will be expedited to a Manager as it should have generated by now and I was assured it would be completed by XXXX XXXX. I call again on XXXX XXXX as no such letter has yet been generated. I spoke with another Manager who advised they will seek my refund and try to expedite the letter. As of XX/XX/XXXX still no letter available and no refund received. I was assured by the Manager that they will call me back with an update on XXXX and no call was received. The car was returned over 3 months ago and yet I still do not have a refund for my 2 payments that were overpaid as well as anything else that Infiniti may owe me. Please look into this and help me obtain my refund plus any additional recourse tat I may have against Infiniti. I was a loyal customer of Infiniti for over 10 years and leased XXXX vehicles through them and would have expected to be treated more fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
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:
They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. 
The person calling is XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Phoenix Financial Services LLC
State: ME
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: Old information reappears or never goes away

Complaint:
I was billed a hospital bill fromXXXX wasnt my bill made police report now it reopened again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I took a check made payable to my order in the sum of {$54000.00} to my local branch of Huntington Bank in XXXX Ohio. I asked to deposit {$50000.00} into my checking account and to receive the {$410.00} back in cash. I received a receipt for the deposit and the cash in the amount requested. The employee counted the money and I counted it again to make sure it was correct. On XXXX XXXX, 2016, while reviewing my online records with the bank I discovered that they had debited my account on XXXX XXXX, 2016 for {$100.00} for " miscellaneous. '' I immediately contacted the bank and they told me that the check had been incorrectly coded by them for {$54000.00}. I asked to see that incorrect coding and they indicated it was not available. I asked to see proof that I had received an unauthorized {$100.00} and they had no proof. The employee may have intentionally or negligently incorrectly coded the check, but that is not my problem. Ninety days after the check was deposited and negotiated, the Huntington Bank, without notice to me and without authorization and without proof, extracted and debited {$100.00} from my account. The bank now refuses to put the money back. I have no idea what the bank is doing with " coding '' but I do know that I received a total from the check, of {$54000.00}. A bank can not simply break into an account and steal {$100.00}. The local bank and the home office advised me that they did not do an internal investigation to determine what happened to the {$100.00}. I have now begun to withdraw my accounts and investments from this bank, as I have lost confidence in their integrity. If they have proof that I received {$100.00} I was not entitled to, they need to produce that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-27
Company: Netspend Corporation
State: AR
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I bought a netspend debit visa card and they ask for name, address, date of birth, social security number this is a identity theft in the making. And when told NO these people set limits to you which I could not pay an important bill online nor get my money back. Then they tell you they ca n't reverse it. Custom service is poor and keep you on hold for long periods of time ... ..I should n't have to give my social security with all this identity theft out here to use money I put on a card. I 'm very hurt by this I filled ripped off and taken advantage of by netspend

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Citibank took away XXXX points that I earned as bonus to open a credit card with them, potentially worth {$500.00}, from my rewards points account without warning, and refused to reinstate or in any way compensate when I contacted them.

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 2016-08-27
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Approximately three years ago I submitted a complaint against First Niagara Bank about multiple overdraft fees that resulted in a negative balance. I refused to pay it and the account was closed.Yesterday I received a check in the mail from them stating I am due {$140.00} returned to me. However because my account was negative at the time of closing they deducted that amount and the check was for {$24.00}. Essentially they took back the fees they were ordered to return, as my account would not have been negative had they not charged me the fees that should never have been charged in the first place.. I have tried contacting them to no avail. In fact the phone number they included with the check is not viable, gives options for ridiculous questions, and they tells you to hang up. This issue has caused me a lot of grief with trying to open new bank accounts and for them to try to keep my fees in this manner after being ordered to return them is especially egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Continues to attempt to collect Zombie debt after the statute of limitations in the state of California. I submitted a formal request asking this debt be removed from my credit report and they did not respond nor did they remove it from my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery keeps calling me over and over. I have asked them to stop calling I have no unpaid debts. XXXX is the number they call from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: JH Portfolio Debt Equities, LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I know i paid on the card when i had it and i believe the amount owed is wrong.

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 2021-08-10
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: Account information incorrect

Complaint:
On XX/XX/2021 XXXX XXXX requested a credit Score from TransUnion, which they provided. Due to this score ( XXXX ), XXXX XXXX rejected my application for a Home Loan. All the key factors do not match with my actual credit report, but still TransUnion add them to the reason of the low score. 
The Actual score when logging in the TransUnion website is XXXX. TransUnion Scoring system is not consistent and is misleading to the consumer. They provide one Score to you and one different to someone else on the same day. 
If I had known the actual score that TransUnion was going to report, I would made a different choice that was not going to affect my credit score.

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 2021-08-10
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: Account status incorrect

Complaint:
Remove untruthful, lying negative mark of me being late with rent payment on all 3 credit bureaus immediately. You never made repairs and it was my right to with hold rent. You are still being paid your rent in full including rent increases. 



XXXX XXXX XXXX  XXXX refused to make repairs leaving my unit inhabible and illegal for 3 years to this day are : Neglected Repairs- *broken front door locks/handle 3 YEARS *NO HOT WATER IN TUB/SHOWER 3 years * faulty fumigation making roaches migrate into apartments * broken window frames/walls leaking water into unit * holes above sleeping/bathroom ceilings/walls made by maintenance * survelliance illegally put into my apartment, behind walls security system XXXX XXXX XXXX  XXXX made a bribe to code enforcement XXXX I reported XXXX XXXX XXXX  XXXX to XXXX XXXX city code enforcement As a result of bribe ( look up the records in XXXX for yourself ), XXXX XXXX of code enforcement has been out here due to my complaints but has not enforced these inhababiity issues that make my unit illegal. Despite me pleading with landlord to work with me, instead she played and abused me. 

Manager refused to make repairs. 

As my tenant rights suggest, I with hold rent. That is my right and as a result, a negative mark was put on my credit. 

After 3 years, landlord never made repairs. 

Please remove late mark on my credit reports

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 2015-09-17
Company: Quality Lenders Inc
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a letter in XXXX requesting alidation of debt. I have never taken out a pay day loan, and have no knowledge of this debt what so ever. This company never responded to me, but continues to hold a judgment on XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation