BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I held a checking account at Citibank, # XXXX, which the bank closed in XX/XX/2022. There was also a debit card issued on this accounting ending in XXXX. On XX/XX/2022, XXXX issued me a refund to that card ending in XXXX in the amount of {$79.00}. I've spoken wth XXXX and the refund was not rejected so this means Citibank still has my funds and as of the date of this complaint has not refunded this money to me. I am owed {$79.00} and the transaction ID for this refund per XXXX is XXXX. 

It has been 3 months since this refund was issue which is more than enough time for me to have received the refund from Citibank The only resolution I will accept to this matter will be my money returned to me. I have tried calling Citibank 's call center, however, they must have outsourced their customer service because the people that answer that line do not speak clear enough English in order to understand them. They tell me to go to a branch and when I go to a branch, the branch tells me I must contact customer service. At this point I am going in circles. 

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 2015-05-13
Company: Baker Recovery Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A debt from a home owners association 's dues I never knew I owed, had a partner equally responsible owing home owner association was notified but never paid the debt nor notified me. 
I had move a couple of years before the debt became delinquent. The home owners association turned the late dues over to a collection agency. The agency apparently sent all correspondence to my partner but never to me. They finally to us to civil claims court but never notified me. Got a judgment from the civil claims court but I was never notified of the judgment. Finally, the collections agency alone with their attorney file and received a judgment lien against my home. I never knew the lien was recorded on my property until a year later when the collections company sent a letter letting me know they where prepared to act on the judgment. This was the first I even knew of the original debt. I called and told them I wanted to go back to court which was now over XXXX miles away from my new address to fight this in court. They agreed I was never notified properly of the debt or the judgment, but I 'd lose as the debt was still owed and add more fees to my original balance due plus interest. Once I knew of the debt I paid the collections agency and got a release of the lien, however it still remains on the county records as a judgment and on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was calling regarding the data loss that took place also known as " inquiry issue ''. I had to call 3 different times. The first time I spoke to some lady and she hung up on me and I decided I would not call until Tuesday. I called just a little while ago and was hung up on by XXXX and then had to call a 2nd time and spoke with XXXX. I kindly asked XXXX to take the inquiries off my credit report and he refused to and instead told me to write letters and maybe hopefully someone will do something. I do n't appreciate that these major credit reporters XXXX over the working class. They expect us to continue getting loans and they continue to make money off of people that have low credit scores just continues to destroy the american public. In this case I should start charging transunion for every month that goes by and my hard inquiries are not removed I should charge interest on that because I know for a fact that if I am " late '' on a payment I know the bank will definitely charge me interest without a problem and expect me to pay for it.

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 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
customer service refuses to help me with the negative inquiries

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 2016-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Transunion was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
several years ago I was admitted to XXXX XXXX in XXXX. There was a balance which was sent to collections at that time. since then, the same balance is listed by more than XXXX collection agency and keeps being renewed although this was I believe 2009.

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 2022-05-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: GSI  Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Firstly-I moved in XXXX of 2015. My mail was not being forwarded properly. When I sorted it out I had a bunch of checks from my insurance company that were owed to XXXX and XXXX XXXX XXXX. I sent them the checks, along with my new address and requested that all further communication be sent to my new address. I am sure they received the letter because the checks were cashed. I never received a further bill from that office. 

Over the summer I was contacted by a collection agency XXXX GSI Recovery, LLC XXXX via phone explaining that I was responsible for a debt of {$730.00}. They said they had contacted me earlier, however I never spoke with anyone. I had never received a bill of any kind from my doctor or the collection agency. The collection agency had my previous address on file.I explained to the agency that my doctor must have neglected to update my address, even though I had provided them with it months ago. I told the agency I needed time to look into the charge and requested a hard copy of a bill so I could speak with my insurance company about it. I told him I wanted to correct the situation but needed the information to contact my insurance company to ensure I was responsible and not them. He told me that my only option was to pay then or he was reporting it to the credit bureau. I told him I could not do so as I had no indication of what I was being charged for and requested he mail me a bill to my new address. I never received a bill. 

This is now reflected on my credit report and I have never had the opportunity to even see what I was being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a HAMP modification with CITI and was denied because they said my NPV results were negative. This is only because they refused to accept my additional freelance income of {$1000.00} per month, and I provided pay stubs and a profit and loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Procollect address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX debt owed : {$9400.00} + XXXX Procollect has been trying to collect a debt, that's not in my name and its keeping me from trying to get a new apartment, this incident happened back in 2021, during covid-19, they stated I had to pay this fine i owed. please help with this they keep selling my debt to different collectors, that i did NOT AUTHORIZE, I DONT KNOW THIS COMPANY, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY, THIS COMPANY DOESN'T HAVE A CONTRACT WITH MY SIGNATURE.

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 2015-12-06
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a XXXX party would try to reach her about a legitimate business matter. 

However, after the first time they said that, I suspected that it was not, in fact, a business matter. It sounded too scripted. Further, I realized that they had not identified themselves. At that point I suspected that they might be a collections agency. To better understand why I was receiving these calls, I asked the person who had called if they represented a collections agency. Not only did they not identify themselves, but they also lied to me about this and stated that they were not. I refused to give them any information and researched the number they called me on online, which is when my suspicions were confirmed. If I had engaged with them in a conversation believing that they have a business relationship with the debtor, they could have extracted far more information than they are legally allowed to collect. When I called them back and asked to speak to a supervisor, they initially refused to let me. I told them it was a private matter, but still they would n't, so finally I resorted to saying, at this point rather emotionally, that I had concerns about the professionalism of an employee. They then transferred me, but all I got was a voicemail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have told this company before that I have no inquiries made since XXXX last year and this was when I purchased my home. I should have XXXX inquiries currently other than XXXX one time. I also show that there is an account that I am not even the account holder on that shows negative. I have told them before that it is not mine and they still leave this account on my report.

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 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: Premier Portfolio Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Premier Portfolio Group, has been calling my cell phone and now my work phone for months! They leave a recording saying that I passed a bad check with my name and SSN on it. That absolutely did not happen, I have nearly perfect credit and pay all my bills through my bank so this makes no sense. I have already reported them to the FTC and to my work, both advised me to ignore it but it 's driving me insane! They are obviously scammers and need to be shut down. The internet is full of similar reports about this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

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 2015-06-18
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have a loan with ally auto. We have missed XXXX payments due to some unfortunate events. I called them and made payment arrangements I paid XXXX last week and XXXX next week on XXXX XXXX 2015. They accepted and said the calls would stop. During that phone call the lady stated that ally can reposes the car without sending a letter or informing us because they already sent a letter XXXX. So the lady stated the calls would stop. Made the XXXX payment and next week as i stated the rest of the payment ally keeps callings us nonstop XXXX times a day or more. We tell them we made an arrangement ally says they want payment now. They keep calling and harassing and saying they want the payment now when I have an arrangement that is notated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Stephen L. Bruce, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Stephen Bruce and XXXX  XXXX, Ok. ( XXXX ) XXXX on behalf of XXXXXXXX XXXX illegally removed funds from XXXX protected under law Social Security XXXX and Veterans XXXX in the amount of {$1900.00}! I have statements from both accounts that prove that and the Judge refused to look at these statements! 
I have my XXXX  deposited into XXXX acct. and my VA money deposits into a XXXX account! The court for some reason didnt know about mypaypal account? So when I transfer funds from XXXX to XXXX it doesnt show as treasury money! It just shows up as a transfer! Therefore XXXX assumes the money elsewhere, I dont know what they assumed but they allowed the illegal garnishment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Klarna AB
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
i set up a payment plan when i did my purchase to avoid interest. i was surprised that my plan did not go through and was defaulted to the minimum. so this company get the interest. i contact them to solve the issue and the said that automatic payment is set up only for minimum payment and not for more than that. this is misleading, how can you offer automatic payment and allow only minimum payment. this tactic is used so the company can collect interest no mater what. my purchase was for {$700.00} with 6 month no interest, i set up $ XXXXmonth payment plan to avoid paying interest but klarna keep making it {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax hack. My identity info was stolen and they knew about it. Plaintext files are you kidding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to XXXX XXXX I realized I didnt ha s my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.

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 2021-03-11
Company: EQUIFAX, INC.
State: NC
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation