BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
According to XXXX XXXX was deleted from my Transunion Credit Report between XXXX XXXX - XXXX, 2017. Today I checked my Transunion credit report online and the company is reappearing once again. I had investigated this creditor with CFPB in the past and it was removed from 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 2016-02-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of Identity Theft with a complete FTC package ( police report & affidavit ) and per state regulations I have a security freeze and a fraud alert on all three of my consumer reports. 

On XXXX/XXXX/2016 I applied for a Best Buy Credit Card issued by Citi Bank. Prior to submitting the application and thus 'hard pulling ' the actual report, Citi Bank were aware of the following fraud alert through 'soft pulling ' : XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016. ' When they did a hard pull, which was indeed authorized by myself, taking into account that they 'd ignore the fraudulent inquiries shown as 'disputed ' for 10 days BEFORE I APPLIED. They did a hard pulling and declined me because of solely being a victim of identity theft. This raises a legal issue of discrimination as it is certainly not my fault that my identity got stolen. If at any time prior to the hard pull, was I aware of they intentionally declining me prior to this, I would n't made the application and damage by report. Other lenders have previously issued me credit, DESPITE THE FRAUDULENT INQUIRIES as they knew I have n't done them myself per the fraud alert which you can see by soft pulling. I believe reason to believe that this is intentional and I would like to seek legal remedies to have the Best Buy Citi Bank Inquiry removed from my XXXX Credit Report. 

I have opened at least XXXX credit card accounts : XXXX and XXXX XXXX with both of the creditors being aware of inquiries on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
A prepayment large fee was charged Did not give us the 5 days notice this was happening. Had no knowledge at the original time of the loan this existed

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 2016-07-25
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is concerning my checking account with FirstMerit Bank. I deposited my payroll check for {$990.00} on Saturday, XXXX XXXX, XXXX. Today, Monday XXXX XXXX, XXXX, my funds are still not available for withdrawal. I called the bank and asked why this is the case, and XXXX the branch manager at the XXXX XXXX location in XXXX, Ohio told me that this is their policy and that it will be available tomorrow. If Saturday is a business day on which a check can be deposited into a bank, directly to a teller via their drive through ( not an ATM ), then it counts as the business day on which the check was deposited. Today would qualify as the business date after the date on which the check was deposited, and according to the Expedited Funds Availability Act of XX/XX/XXXX and Reg. CC, I should have AT LEAST {$200.00} available to me out of that check. Currently, my previous balance, not including my pay check, of {$57.00} is all that is available to me. FirstMerit Bank is violating federal law by withholding my money from me and I want them to stop doing this. None of the stated exceptions apply to my transaction - the check is not fraudulent, I have not overdrafted my account, the check is not being re-presented for cashing after not clearing, none of it. I do not have direct deposit available to me through my employer and I should not have to go to check cashing places and pay a fee when I have a perfectly good checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Central States Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was discharge back on 2010 by the bankruptcy court and they still try to this day to to collect was its already discharge, worst part is that they are reporting it to all XXXX credit bureaus as a actual debt with different collection agencies in Kansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX placed emergency room services on my credit report, however on XX/XX/2016 I reached out to XXXX regarding the payment they accepted from my insurance also the company they reported the invalid debt to. XXXX claimed they never sent anything to the credit collection company because the claim was paid well within the timefram after services were rendered ( timely filing, and payment was collected ). I sent this company the EOB as requested from the XXXX showing XXXX was paid and they were just lying about not placing the debt in their office. This company sent me a letter in the mail stating the debt has been validated. At this point I will contact my insurance company to have all claims paid to XXXX reversed due to the integrity of this establishment they have placed the whole debt on my credit for all services in full, however they gladly cashed a insurance check which is also fraudulent who did they take my insurance payment for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. 
I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. 
Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. 


I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 

I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-07
Company: ACCESS GROUP INC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My student loan was sent to a collection agency XX/XX/XXXX. 
I have been making XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called XXXX XXXX XXXX XXXX, the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my 401K, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from XXXX XXXX , XXXX, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told XXXX, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just one month of no payment since outrageous. Further, it is unclear if Access group, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello, My name is XXXX XXXX XXXX and my Fair Credit Report Act rights were violated. On XXXX XXXX, XXXX. I was contacted by National Credit Systems on behave of XXXX XXXX XXXX. The letter was to collect a debt of XXXX. I have no knowledge of a balance with XXXX XXXX XXXX. I moved out XX/XX/XXXX. I was never contacted by the XXXX XXXX XXXX saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on XXXX XXXX, XXXX. ( See Dispute letter attached ). I wanted them to validated the debt. On XXXX XXXX, XXXX. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around XXXX XXXX. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing in collections, asked for move out paperwork with signature, walk through paperwork, payment history. On XXXX XXXX, XXXX, I received mailing stated that I did n't have sufficient evidence to validate my claim. Which was confusing because I 'm not the on making a claim of money owed. The burden of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On XXXX XXXX, XXXX, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See XXXX Load attachment ). I paid XXXX so I can look at my report. On XXXX XXXX, XXXX a collection was place on my credit report by National credit systems ( see XXXX attachment ). However, my first contact with them was XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I place a dispute with dispute with XX/XX/XXXX and a few hours later National credit system collection was removed. ( see XXXX investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Global Payments Check Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
this debt was included in a chapter XXXX BK case # XXXX and this matter has already been addressed previously with the CFPB. this debt has been re-opened as a delinquent account and collection practices have assumed since the discharge of my BK. as a consumer I am protected and the debt has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: National Credit Systems,Inc.
State: GA
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:
I left a voicemail message for an attorney. I received a call back from XXXX XXXX impersonating an attorney. I then asked for verification of the debt which he refused to do. He then agreed to send me some paperwork and then refused to accept the address I provided him. They have never sent me anything regarding notice of the right to dispute the debt. The information they provided to me over the phone about the debt was incorrect. I have told them numerous times that the amount of the debt is wrong and they still keep trying to collect on that amount instead of requesting proof from the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am very concerned regarding the serious possibility that you have not followed thepermissible purpose provisions of the federal FCRA. A credit inquiry for SPRINGLEAFFINANCIAL was placed within my credit file in XXXX, 2014. The Act specifies thatyou must document your reasons for including such items on my report and, when inerror, remove them as well. I am depending upon XXXX to follow the law : Eitherprovide documentation that the law was followed by contacting SPRINGLEAFFINANCIAL at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Seterus, Inc.
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was refused principal reduction by seterus inc on behalf of XXXX, and instead was modified with forged documents ( I never signed the modification ) adding 14 years to my obligation as well as thousands of dollars added to the principle. throughout the last couple of years I have been harassed, trespassed against, belittled, disrespected, mislead, directly lied to ( with material evidence to prove ), by agents of XXXX and seterus. my loan would qualify for the settlements with XXXX but I was XXXX with the airborne so I was protected from foreclosure by the SCRA, XXXX could hide the loan from the reviews, XXXX also was fully aware of the tumult situation I was facing do to being on orders away from the home and forced to rent it at a nearly XXXX % deficit throughout my service as well as after discharge since it was rented to a XXXX couple who have XXXX young children and I could not evict them. I have been shaken to my core by the derelict conduct of seterus, XXXX, NH governor, our NH federal representatives, organization who look only at the barrower with no attention to the impacts of other markets having fluctuated to negativity impact mortgage situations. What a freakin joke to say we are free, free to be financially enslaved by tyrannical companies that government is in XXXX bed with????? it 's such total XXXX that now XXXX is falling out of websites like yours that offers " help '' and out of the mouths of our public and private leaders. 

Prove this combat veteran wrong, restore my faith in this democracy by bringing swift justice to seterus by revoking the charter that gives these despots life and protection. I must be a fanatical patriot, an extremist, to say such things you may think but I say you must be mentally handicap to not see our country being steamrolled by foreign interests and A-moral business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation