BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Equifax on XX/XX/2021. They are reporting inaccurate information on my credit report. The disputes were not deleted or even responded to. I did not get any documentation in the mail to notify me of anything. The inaccurate information is still on my credit reports. I have a right as a consumer to have inaccurate information deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. This would be my second complaint filed against NCS and really not sure if they care or they 're just over paying the credit bureaus but I need help aginst this company. 

I 'm uploading another round of documents and required forms. thanks XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: NCC Business Services, Inc.
State: CA
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:
Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. 

Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. 

On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. 

On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! 

I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CURO Intermediate Holdings
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two entries on my credit for XXXX for a XXXX loan that I did not take. They have reported negatively on my credit as XXXX XXXX and their collection company AD Astra Recovery services. XXXX and AS ASTRA RECOVERY has failed to provide a legitimate contract to me oweing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. 

Have send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. 

Have sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Penn Credit Corporation
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 made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. 
I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. 
Upon belief and information, this account has been paid in full as agreed by both parties. 
WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a alleged debt from RENT RECOVERY SOLUTIONS, LLC for {$3100.00} that i don't owe nor has any dealing with before.I sent them a letter on XX/XX/2021 requesting the validity of the alleged debt and to remove this negative item from my credit report.it is keeping me from getting a home.i also attach a copy below for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It appears that Ocwen has overcharged my escrow account for the year XX/XX/XXXX. This mistake was noted by Owen months ago and can be reflected as a 'Credit ' on the record. However, it appears the amount was not subtracted but rather doubled as now I 'm being made to pay for an advance despite the cushion charge ... 

Below are records for the redundant flood-insurance charges and dates made by Ocwen to my Escrow account : Insurance Credit-Lender placed Flood Insurance Escrow Account XX/XX/XXXX $ XXXXInsurance Disbursement-Lender placed Flood Insurance XXXX Lender Placed Insurance XXXX XX/XX/XXXX $ XXXXInsurance Disbursement-Flood Insurance XXXX OF FL XXXX XX/XX/XXXX $ XXXX that the first charge above does not show an account number but does show it as a credit, however the balance does not reflect that. This was similar to an issue that happened last year when Ocwen double-charged my escrow account for hazard ( home-owners ) insurance ( see case # XXXX ). That issue of the hazard insurance double-charge was resolved without explanation of why it happened ... 

Note that my true flood insurance expires in XX/XX/XXXX and Ocwen has already made that payment. Below is a record of the transaction : Insurance Disbursement-Flood Insurance XXXX XXXX XXXX XXXX of FL XXXX XX/XX/XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
there is a bankruptcy reporting on my Equifax credit report, that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: FirstKey Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is a private label servicing situation where XXXX is doing the servicing 'work ' but it 's being branded as FirstKey .... 

Short Sale Package was submitted XXXX/XXXX/16. We have not received any communication whatsoever from the negotiator. We can not get a straight answer from anyone in the company. Every phone call we are told a different story. We were told on XX/XX/XXXX that the file was marked complete and moved to a negotiator - XXXX XXXX. Now today, XX/XX/XXXX, we were told it was only sent to the negotiator for 'initial review ' on XX/XX/XXXX and not deemed 'complete ' until XX/XX/XXXX, therefore the 30 day time-frames start over again from XX/XX/XXXX. They are playing games with the '30-day ' timeframe guidelines and they are lying to us on every call we make to them. They are refusing to call us back. When we call them they are very rude and dismissive. It is very apparent to me that they are trying to cover up for the negotiator not working the file since it was submitted XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
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 2017-03-15
Company: FACTUAL DATA CORP.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Experian Information Solutions Inc.
State: NY
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, i wrote Experian about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent XXXX letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.

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 2015-10-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
My ex-wife made balance transfers to her individual accounts in excess of {$5000.00} on XXXX of my credit cards during the six month period before commencing an action for divorce based upon NY provision that the relationship was irretrievably broken for six months prior to filing the action. These amounts have been charged off on my credit reports and my credit is ruined. I am unable to refinance my property awarded me through NY equitable distribution as a result of these balance transfers. The bank involved says that she was an authorized user on the credit cards, and that I benefitted from the transfers. Does n't the bank involved require my notification before allowing such large transfers to another credit card or issuing a direct check to the authorized user?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: BAM Management US Holdings Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX XXXX I transferred XXXX XXXX ( XXXX XXXX ) from my XXXX XXXX to Binance.US. Transaction code available upon request. I made a mistake on the memo portion of the transaction and although the currency was taken out of my wallet, it was not added to my account on Binance.us. i went to support and filed a " ticket '' ( ticket number available upon request ). On the support page it states clearly that in this case Binance.us will charge 5x transaction fee to correct the memo. I received a email from a third party named XXXX saying my ticket was in the queue. I waited until XX/XX/XXXX and refiled the ticket with more information like transaction number and acknowledgement of fee associated with correction of memo. They sent me a response email giving me a new ticket number XXXX. I then waited until XX/XX/2021 with no response. During this time frame the price of the currency grew by 80 %. I filed another ticket on XX/XX/2021 and received an email saying i was pushed to the back of the queue and would continue to do so if i filed any more. Since this time i have not been able to receive any information from them regarding my issue and the price of the currency has fell to below my initial investment price. My next step was to get into the live chat on the website which is a bot, never a human. and had my ticket " escalated ''. I have done this 4 times hoping to get this resolved. As of now its been over 2 months and i have yet been able to recover crypto or talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Close account without 45 days notice regarding the APR

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 2021-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with panic attacks, have missed work and my hair is falling out due to stress caused by this false information on my credit 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 2015-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX I purchased XXXX roundtrip airline tickets from XXXX to XXXX leaving on XX/XX/XXXX & returning on XX/XX/XXXX. The purchase price was XXXX {$1700.00} ( XXXX dollars and XXXX cents ). The amount taken XXXX ( service provider/airline ) from my credit card was XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) on XX/XX/XXXX please see Schedules A, XXXX and B, attached. 
Since I initiated this transaction through XXXX, I called them to inquire about the over charge on my credit card in the amount of {$94.00}. Their records showed only a payment in the amount of {$1700.00} so they tried to contact XXXX @ XXXX to clarify this, with no luck. Since XXXX representative was unable to get a hold of the airline he asked me to contact my credit card company to initiate a dispute for said overcharge in the amount of {$94.00}. 
On XX/XX/XXXX, I opened a dispute online with Citi and mailed backup to support this claim. Case No. XXXX. 
On XX/XX/XXXX, I visited XXXX website in order to select seats for our trip and found out my reservation was cancelled by the airline ( please see reservation status on Schedule C attached, it reads " XXXX '' in XXXX, which means Cancelled ). I tried to contact XXXX customer service department @ XXXX with no luck. I called XXXX to verify this new information and they confirmed vendor cancelled my reservation. They asked me to contact XXXX immediately to request a refund. 
On XX/XX/XXXX we drove to closest XXXX offices located at XXXX airport to discuss the cancellation. The representative confirmed the reservation was cancelled and provided screen shot of the airline 's system, see Schedule D. 
Since vendor cancelled my reservation I needed to make sure a refund was processed so I initiated a dispute with Citi Cards Billing dispute department for the full charge on my credit card in the amount of XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) processed on XX/XX/XXXX, see Schedule E. 
Citi Cards billing dispute department sent me a letter resolving that the vendor did n't agree to refund my money because they said I requested a cancellation, which I never did ( see Schedule F ). 
Due to the cancellation of my reservation without my request, I had to buy a separate set of tickets on a later date at a higher price. Since my credit card company has n't credited the purchase amount to my account and it is not protecting my interests by allowing XXXX to keep the money for a service that I will not receive because they denied to provide, I 'm asking for your help to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, 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:
I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation