BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
XXXX. I had intended to purchase a home warranty through XXXX XXXX with the purchase of my new home. I placed multiple calls to them and had a few conversations with various persons who promptly transferred me on to another person who did not answer. I left many voicemails during the period of XXXX XXXX thru XXXX XXXX. Through continued attempts by pushing option " XXXX '', I was promised return calls and the XXXX I received said my warranty would not cover the issue for one reason or another. At one point they even said someone came out for a second and said there was no drain clean out so it would again not be covered. I was workingfrom home and could not have missed I could not have missed them had they come. Furthermore the drain cleanout is at the front of the home, visible from the road. 
I had what appeared to be a pool leak. After many many calls they agreed to send out a pool person who was to contact me before coming. I was present at the home but he did not call. He did not look at my pool or at anything besides the pump which was, and still is operating just fine. I have a witness to this encounter. 
The company left me a message that this also would not be a covered repair as he reported that I had a leak in the solar panel. That is on the roof. He never looked at it. And that my pump had overheated and therefore it would also not be covered. My pump still is working fine. I never reported a pump issue. 
As I said I made many attempts to discuss the issues but they are obviously not staffed well enough to answer the calls and the person that no one can reach only works til XXXX Pacific time ... 
I opted not to purchase the warranty due to very poor, dishonest service and contractors. I never bought the warranty. They have attempted to bill me for XXXX and sent XXXX to collections, which is now XXXX. I am now being contacted by Transworld Systems Inc, repeatedly and they have yet to demonstrate that I purchased the warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: ENCORE CAPITAL GROUP 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:
In XXXX XXXX I learned that Midland Credit Management , Inc. ( aka Midland Funding ) ( " Midland '' ) was reporting to the XXXX credit bureaus a collection account allegedly originally with XXXX ( XXXX account ). Although I disputed ( and still dispute ) the validity of the debt, I was beginning the process of refinancing my mortgage, which had a balloon payment coming due, and I contacted Midland to pay the debt in order to no longer have an upaid collection showing on my credit report. After I paid the debt, I continued, however, to request verification of the debt from Midland, including requesting proof that the debt was ever mine and the date of first delinquency. At the time, Midland was reporting the date of first delinquency to be XXXX XXXX. Midland 's responses, to the extent they can be characterized as a 'response ' at all, has been to state that their records are accurate and they will continue to report as they are doing. They refuse to provide either proof that the debt was ever mine or the date of first delinquency. Midland currently reports the date of first delinquency as XXXX XXXX, which is when I paid Midland so that an unpaid collection would not be shown on my credit reports. This has only made matters worse, as Midland is now reporting a much more recent delinquency as compared to XXXX XXXX, which they originally were reporting. It seems it would be a simple matter for Midland to provide me an account statement showing the account in my name and indicating delinquency. They refuse to provide this information, continuing to hide behind their false statements that their accounts are accurate and they need not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
On XX/XX/XXXX I submitted a complaint to Transunion This complaint requested the investigation and removal of 2 bankruptcies that are incorrectly and unlawfully showing on my credit profile with this company. 

Bankruptcy XX/XX/XXXX Ref # XXXX Bankruptcy XX/XX/XXXX XXXX The bankruptcy information was unlawfully verified thru a third party named Lundquist Consulting , Inc. ( LCI , Inc. ) All accounts and public information should be verified with the source according to the FCRA. In this case it shuld have been verified through the XXXX XXXX  of Texas Bankruptcy court. The XXXXXXXX XXXX  of Texas Bankruptcy court has a standing policy that they do not verify any public information to anyone that request. Therefore these public records should be deleted because they can't be verified. 

Due to the fact that Transunion has used Lundquist Consulting , IncXXXX to verify information in my credit profile I contacted LCI , Inc. to dispute the information with LCI. LCI informed me that they aren't a credit reporting agency and aren't subject to the rules of the FCRA. If you report any information about any consumers Credit Information this subjects you to the rules of the FCRA. Transunion and FCI , Inc. appears to have colluded together to make sure that consumers do not have the means as required by the FCRA to dispute public record information. 

This collusion between these two corporations has caused myself and my family irrecoverable harm

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 2016-03-02
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citibank on XX/XX/2015. The account came with an opening promo : XXXX American miles to be awarded within 90 days after I completed the requirements for the promotion. The promo code was XXXX. I completed the requirements for the promo on XXXX, which was confirmed in writing by XXXX separate Citi customer service reps. Well over 90 days has passed, and I have not received my promotion award. I called Citi and simply got shuttled around within their help system

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 2022-05-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX illegally ran my credit report without my authorization on Experian XX/XX/2020. Delete this at once. FCRA

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 2022-10-26
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened a bank account as a sole proprietor and after the account was opened I got an email from the branch manager demanding that I file for a new fictitious business name adding my suffix to the last name field on the state form. I explained that the state does now require the suffix and adding a suffix to the last name field is not a legal last name and is a crime ( Penal Code 115 California ). The branch manager insisted that I either falsify the records or they would close the bank account. Important to note is that before I even went into the branch, I explained the situation with the XXXX  filing and went through a process to be pre-approved for the account. I never would have even went to the branch if I hadn't already been approved for the account so something is clearly off with this institution. It is unlawful as a consumer to falsify a public record, the bank is telling me they have numerous examples in their database of other clients who put that suffix in the last name field, so we are talking about falsification on a potentially massive scale. I told the bank to just close the account and send me a cashier 's check but I want this investigated. I have the email thread with the discussion to provide as evidence of them telling me to falsify and also the email thread where I was already pre-approved to open the account before I went into the branch.

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 2022-12-26
Company: AES/PHEAA
State: SC
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:
Student loans were paid off according to documentation that was received by mail. This information is not positively reflecting on my credit scores. Account number for fed loan servicing is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Consumer Financial Protection Bureau. I currently have a foreclosure sale date scheduled for XXXX XXXX, XXXX this is a very urgent matter. I have a complaint about my current loan servicer which is Rushmore Loan Management Services, LLC. Let me begin by explaining my situation from the past to the current. My loan originated with XXXX XXXX. I was paying XXXX XXXX around {$1600.00} towards my monthly mortgage up until the collapse of our economy. From there they sold my loan to XXXX XXXX. I was behind and applied for a loan modification they gave me the loan modification and I paid them the three trial period payments. After I paid XXXX advised me to keep paying them. I continued to pay XXXX for at least 18 months but around that time I received a letter saying that my home was under foreclosure. This was a huge shock to me as I have paid and was still paying XXXX for what I believe to be was a loan modification. My loan once again was sold to another servicer this time my current one Rushmore Loan Management Services, LLC. 
I have applied with Rushmore Loan Management for a loan modification and sent them all required documents to be a completed packet for a loan modification. Rushmore loan management has all required documents and packet is in review. 
.Im worried that this company will either take my money and they sell my loan to another servicer or just foreclose on my home even after having all required documents for a loan modification. If Rushmore Loan Management Services, LLC foreclosures they will be in violation of the California Homeowner Bill of Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I submitted a fraud claim # XXXX with Wells Fargo after finding out my card and pin number had been stolen/compromised and had spent over {$500.00} in my account. Wells Fargo has continuously denied my claim on the basis that sent my card and pen was used then the transaction must have been approved by me. I had a XXXX XXXX XXXX in XXXX of XXXX and it is my belief that someone took advantage and was able to obtain my pen and debit card. I have had around {$30.00}, XXXX pass through my account over the last year and have never disputed a claim unless there was cause.

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 2022-05-17
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Bureau of Hudson Valley INC sent letter for debt for services not solicited or received in the amount of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has not credited the new account bonus as promised. I deposited $ XXXX for a new account on XX/XX/XXXX and should have received the {$400.00} bonus by XX/XX/XXXX. 
Till date XX/XX/XXXX bonus not deposited. They keep on doing investigation but not depositing the money. On first investigation they confirmed that account has met ALL conditions and will get the money by XX/XX/XXXX. When money was not deposited they did another investigation and then they gave a separate reason ( XXXX compliant ) for why the bonus was not credited. This NEW CONDITION was not mentioned in first investigation. Then on XX/XX/XXXX the account became XXXX compliant but till date no money has been deposited. On XX/XX/XXXX they started a XXXX investigation and are now saying that it will take till XX/XX/XXXX for investigation to complete. Citibank has delayed they deposit of {$400.00} intentionally. Money should have been deposited by XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10
Company: RCS Recovery Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
I sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.

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 2016-10-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I 've had an American Express Serve card for at least a year, maybe longer. I got the AMEX XXXX ( prepaid ) card because there are NO FEES, which is wonderful. My purpose in getting the Serve card was that every time I get paid by my employer, I put {$300.00} on the card. That {$300.00} is used to pay for food items, so until last week, that is all I had ever used the card for. But last week, I bought {$20.00} of gas ( paying at the pump ) with the AMEX XXXX card. Before I started pumping the gas, I checked my card balance, which was about {$95.00}. I bought {$20.00} in gas. Next thing I know, I get a " Low Balance '' email alert from AMEX advising that my card balance is ZERO!!!!! That 's because the gas station charged my card {$100.00} for {$20.00} in gas!!!!!!! I was FURIOUS. I called AMEX and told them I wanted to report FRAUD and THEFT because the gas station took {$100.00} from my card even though I only bought {$20.00} in gas. The AMEX representative told me THAT IS NORMAL and LEGAL. I said NO IT 'S NOT so are YOU going to refund my money or do I fight with the gas station???? After keeping me on hold for 10 minutes, the AMEX rep came back and said they issued a refund of my money but that I can not use the AMEX XXXX card to pay for gas AT THE PUMP ; you have to pay for gas INSIDE the store. WHY IS THE AMEX prepaid card allowed to be treated ANY DIFFERENTLY than a debit card? The money is taken off the card IMMEDIATELY. This is the XXXX century. There are not more " wait XXXX-7 days before your transaction shows up ''. THIS IS DISGUSTING and SHOULD NOT BE ALLOWED. I happen to always have about {$2000.00} in my normal checking account ( debit card ), but what happens to honest to XXXX POOR PEOPLE who ONLY have prepaid cards and then they use it to pay for gas at the pump and the gas station takes {$100.00} off their prepaid card and they have to wait XXXX10 days to have their money refunded??? THIS SHOULD NOT BE ALLOWED. I hope the CFPB can and will do something about this GROSS INJUSTICE. Thank you. XXXX / XXXX Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Lowe 's ran a Hard Inquiry on my credit that was not authorized by Me, without my permission or my knowledge.

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 2022-05-17
Company: Transcontinental Credit & Collection Corp
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trans-Continental Credit is in violation of Regulation F Their letter to me fails to disclose the last date the creditor sent me a notice and the amount due on the date of such notice.

Company response to consumer: Closed with explanation