BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
KIMBALL TIREY ST. JOHN # RON0****   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA 92108   XXXX   XXXX   XXXX   XXXX   The above referenced credit collector made a false report on my credit report, an d in it they claim that I owe them {$1200.00} for a debt that they are trying to collect for their client     XXXX   XXXX   XXXX  .   I lived in those apartments, and I paid all of my due rent. After I moved out they stole my deposit, and did n't return it to me. Some months later I did get a letter from  Kimball Tirey St. John in  which they claimed that I also owed {$1200.00} for cleaning of the apartment. I left the apartment in a clean condition. When I called them in order to set things right, they told me that they already reported it to the  Credit Reporting  agencies after I had a ruling against me. The thing is that I never got a Notice to  Appear  in order to contest their falce allegations. Please help me ; I am recently married, and I am trying to buy a home for my wife. I work as a   XXXX   XXXX   XXXX   XXXX   in a   XXXX   XXXX   school, and  XXXX  's false statements is affecting my ability to get a loan for a home.     Sincerely,  XXXX   XXXX   XXXX  cell

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 2022-03-31
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/2022 I received a check {$9800.00} from PENFED Credit Union for a personal loan that I did not apply for. I checked the credit reports companies, and the loan was there. I did not cash the check and I notified by mail PENFED and the XXXX XXXX, XXXX and XXXX. I received a letter from PENFED Fraud Investigations requesting copies of personal government documents which I found strange because that may generate fraud and identity theft. I never cashed the check and never accepted the loan. I received phone calls from PENFED but never was a message or voice mail left and when I answered the call no one is on the line. Their phone number is useless for my specific case. 
Since I did not cash the check, I did not report this matter to the police. 
In addition, they sent me an insurance enrollment form from XXXX and PENFED dated XX/XX/2022.

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 2017-06-15
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$9800.00} ; US DEPT ED XXXX Balance XXXX {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
accordance with fair credit reporting act 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-05-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Midland XXXX claims I owe, they called my son telling him how they will take his mother to jail. I did a debt consolidation and completed 2 years ago with all debts ever owed settled except for School and Mortgage. I disputed 5 or 6 times even sending proof that they are recirculating a 2016 account that was settled and closed but they keep saying not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX young father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries 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 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 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 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

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 2022-03-31
Company: EQUIFAX, 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:
accordance with fair credit reporting act 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have multiple issues with Bank of America to start off with. I have had to cancel my card multiple times due to fraudulent activity with the same company ( XXXX ) twice already, taking money out of my account and once with another company. Is n't that what the chip is for? For better security? This has n't only been frustrating but a pain because I ca n't use any of my money because my card is cancelled, also frustrating because I 've had a new card 4 times already and it has n't even been 2 years! Another thing is, I use an app called XXXX, which allows me to access my paycheck early so I can pay bills, etc. It relys on Bank of America to send information in a timely manner such as account balance and recent transactions in a timely manner in order to do this. Bank of America highly slacks in speed towards their customers, even on business days, it took them almost 3 days to relay information during the week which is unacceptable when I 'm trying to manage my money. One last thing is, I honestly think it is outrageous how many fees Bank of America charges to use YOUR OWN MONEY. If you withdrawal too many times you 're telling me you 're gon na charge me a fee? That 's ridiculous. And if I transfer MY money between MY accounts too many times you 're gon na charge me a {$10.00} fee? I think this is ridiculous and all of these issues should be looked at. Not all banks operate this way.

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 2022-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX young father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX XXXXXXXX XXXX XXXX cred Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice in regards to a debt that was sold/transferred from  XXXX   XXXX  to  CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a  XXXX   XXXX  that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on  XXXX / XXXX /  XXXX   @  XXXX   XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my   XXXX   score  XXXX  points  XXXX . Either this company sold this account not wanting to deal with a dispute or  XXXX  is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.

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 2018-12-12
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : I received ANOTHER notice from my employer about my wages being garnished from said company. I had already been previously garnished from them about 3 months before. The debt from before was approximately {$1600.00}. The new amount being garnished is now over {$500.00}. I called and asked for the name of the company seeking payment and dates from when this was owed. I have been divorced since about XX/XX/XXXX and we had an agreement to split out debt. This was from XX/XX/XXXX!!! I am sure the other debt was even older than that. I recently discovered that Oregon has a statute of limitations on debt ( 6 years ) and of course, I am concerned because maybe 10 years can go by and maybe they contact me again about some other debt or they are soliciting companies that I owe debt with and they have a " standing judgment order '' that I do not know about?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon doing research on my credit report, it appears that ARS is reporting 2 collections under my name for act # XXXX and # XXXX. I've contacted this company multiple times on numerous occasions for validation and they are not responding to me. I have never done business with them, and I do not have a signed contract. I have the right to demand to see a signed contract between ARS and myself. I have never received any correspondence from this company to give me time to validate my debt and this company has failed to respond to any of my letters that I sent out to them. The mentioned accounts are from XX/XX/XXXX for {$1900.00} and the other is from XX/XX/XXXX for {$880.00}. Because this company failed to follow the law the mentioned accounts need to be removed from my report at all credit reporting agencies.

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 2022-03-31
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation