BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX has refused to do a proper investigation into information obtained in my XXXX credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my XXXX credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.

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 2021-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
At the end of XXXXbeginning of XXXX I called Bank of America and asked about changing our XXXX XXXX travel rewards card to just a general rewards card. The customer service lady said it could be done, but that I would not qualify for any new customer rewards bonus plans. After I asked, she also said I could still use my XXXX points I had accumulated on the XXXX XXXX card. So I ordered/transferred to the new card. Two-three weeks later the new card, with a new number arrived and I activated it on XX/XX/XXXX I believe. Upon checking my online statement I discovered my old card had completely disappeared as did all the XXXX XXXX points and that they had been " converted to a new rewards program ''. I called Bank of America and that gentleman told me that they had converted my points to rewards cash and would be crediting my rewards account with {$1200.00} ( or {$1200.00}, I can't remember exactly now even though I've repeated it so often with them ). And if it had not been credited to XXXX, to call back. He even sent me an email on how to redeem rewards. It had not been credited and I called back I believe on XXXX. That is when XXXX and XXXX XXXX told me I had been " misinformed '' by both of the the previous 2 customer service reps. I am really entitled to nothing. And furthermore claim that notes had not been made or were not clear. XXXX proceeded to take my claim ( although it took a number of attempts for him to get it correct and I don't know if he ever did ). He also lied and claimed it would be 24-48 hours to honor my request to talk with a supervisor. It has never taken that long, and it didn't this night either. In the end, they both said they would have to submit a claim to the rewards division for their review, with could take a month. They also insisted we make a claim for {$1600.00} instead of the {$1200.00} because that was the real value of the points and I stood a better chance instead of using a random number like {$1200.00}. I said all I wanted was the {$1200.00} because that is what I agreed to, but whatever. Today, XX/XX/21 I called and was informed a letter was sent that basically all is denied. So everyone at Bank of America has lied to me and defrauded me of XXXX XXXX XXXX points or the rough cash equivalent of {$1200.00}. I am only wanting the {$1200.00} because that is what I accepted/agreed to initially. If I knew I was going to loose everything, I would have simply applied for and gotten a different card from a different bank. These people stole what I have earned and have lied about it since. This is not an honorable or acceptable way of doing business in this country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Requested Payoff from HSBS XXXX. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at XXXX today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a debt collecting letter from TRANSWORLD SYSTEMS INC. for a total of XXXX The letter was addressed to " NONE '' and the only telephone number for the company is a nonworking extension. 

I do n't know what to do about this or what it is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
i never took out a XXXX  card

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 2022-01-25
Company: Stallings Financial Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I informed Stallings of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An associated from RS CLARK AND ASSOCIATE contacted me a few times back in XXXX about a debt that they had received from XXXX. I was threatened that if I did n't pay them that they would sue me for the debt and add it to my credit report. I called XXXX XXXX to figure out what was going on and we went all the way through each payment to see where the mishap happened. The mishap was on their end and cleared my account of any charges and notified RS CLARK that I did not owe any debt to them. I got XXXX more calls from RS CLARK stating that XXXX was still reporting that I owed them. I told the lady that was lie and that they had indeed sent them notification that it was a mix up on their behalf. The lady from RS CLARK asked if I had the payment transaction numbers for the services. I gave her ( XXXX XXXX/XXXX/16 & XXXX XXXX/XXXX/16 ), RS CLARK confirmed this with XXXX and thank me for my time. That was the end of that ; RS CLARK was suppose to send a letter, never got the letter. nothing was ever placed on my report or anything until yesterday when I got an alert that RS CLARK had posted an collection on behalf of XXXX XXXX that owed {$50.00}. I owe nothing to them and I have called XXXX they know nothing of the debt and did not send RS CLARK anything to report and do not know why. I have included photos of the transactions that I listed above and a copy of the account tab on XXXX XXXX website/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2015-05-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had been trying to get a copy of my credit report from Equifax Reporting Agency for over a year. I placed a fraud alert with the other credit reporting agencies after I became a victim of identity theft. I also created an Identity Theft Report with the Federal Trade Commission. On XXXX, I placed a dispute investigation online with Equifax which enabled me to finally see a copy of my Equifax credit report. I noticed that Equifax has been sending copies of my credit to an incorrect address and they have a couple of addresses listed as belonging to me that are also incorrect. I updated the correct information and placed a statement on my credit report. Today, I got an email from Equifax saying that they corrected my report but Equifax still has the same incorrect information. My address is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never live in XXXX, XXXX or XXXX, XXXX or XXXX. I do not use my initials or my middle name as my first name. I sent all the information showing this and Equifax has been sending my information to the wrong address. I am also requesting a seven year fraud alert to be placed on all of my credit reports since my personal information has been going to another address for years. My correct mailing address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company refuses to provide verification and validation of debt. i have never had a XXXX memebership

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had just paid {$1500.00} XX/XX/XXXX, Santander Consumer USA Bank called on XX/XX/XXXX, robocalling me starting all day. When I called back the first service agent said I owed almost {$900.00}. When I asked how this could be when I was told that I was paid through XX/XX/XXXX, had just paid for all tow bills and that the rest of the fees were promised to be waived for me. There was no explanation as to the extra charges other than it was the repossession fees to which I replied, they were already paid and the rest were waived and that I had documentation as to who I spoke with to confirm this. I asked for a supervisor and was put on an indefinite hold. I called back, same scenario. I called back again, asked for a supervisor immediately, it was all one big joke to them apparently, because I could hear people laughing and partying in the background. Put on another hold. I called several times back more with no response whatsoever. The last recorded balance showed {$1200.00} owing, not the original {$800.00}, and not $ XXXX/month for the monthly payment which should not have even been due until XX/XX/XXXX anyway. They continue to call and harrass me starting at XXXX. I have been in the hospital due to this harrassment and it 's affects on my health. I just want it to stop. They have made no attempt to help me clear this debt only to harrass me endlessly calling from different phone numbers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/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 2022-01-25
Company: EQUIFAX, INC.
State: CA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Credit Bureau of York, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 6 years ago, I employed the XXXX XXXX XXXX XXXX XXXX to help me with a XXXX case. Their firm helped me for several months, and my bills were paid up to date. We reached a point in the process where the attorney said, in order to continue with the case, I would have to pay another {$3100.00} on top of what I already paid them. The case was dropped, shortly thereafter, and no more legal services were rendered. So this bill for {$3100.00} was not paid, because additional legal services were not needed. Somehow, this balance got sent to this collection agency as an unpaid bill, but it was a mistake. I do not owe the law firm an additional {$3100.00}. We paid them for the services they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to contact the collection agency numerous times, I called and they say write to us and when I write to them based on the address the provide on credit reports it comes back to me as undeliverable. This company is reporting information on my personal credit report for a debt that is for a company and has nothing to do with me. I wrote to them also many times with no respond and just getting returned mail. The contact information and their address is wrong on the credit report and they are no help via phone at all. Please help me get this removed of my credit reports. I have attached the proof of no delivery and also the actual letter I sent to request validation and no one ever responded to me in over a year. Now that I am trying to buy a new car this bad item on my report is ruining my chances of getting approved and I would like to get resolution or I have to explore my option to bring a lawsuit against this collection agency for all the FDCPA violations they are committing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: FC HoldCo LLC
State: WV
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:
Today, I filled out a form on XXXX XXXX  to look at having my vehicle loan refinanced. XXXX XXXX   indicates that they do not do a hard credit pull on your credit report when doing this. I even spoke with a lender through XXXX XXXX that said they should not have pulled any hard inquiries at all and I should report it. I did receive an alert that a company called Flagship Credit ran a hard inquiry today XX/XX/20 without my knowledge or consent. I have never spoken to anyone from this company nor do I know anything about it. I assume they got my information from XXXX XXXX. I want this removed as I never gave permission and it was done without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill months after a procedure for anesthesia from XXXX XXXX, after I paid upfront and was informed that the time went over and I had to pay more. So I made arrangement to make a few payments, however, there were numerous issues with staff due to Covid and the employees working from home and much confusion as to if I really did owe more, regardless, I made payment as I do not want any negative marks on my credit report and I made final payment of {$60.00} XX/XX/2020 and then was called and told that they made a mistake and I owed an additional {$70.00} which I paid on XX/XX/2020. I never heard from them again until this week I received a collections notice for {$50.00} out of nowhere. Why would they not contact me in over a year and all of a sudden just say I owe more money again? How many times will they do this? I never received any additional bills after the last payment of {$70.00} which I was told was final payment. I was told it was my final payment and I do not want to continue to have them state that I owe more when I do not.

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 2015-06-30
Company: Monarch Recovery Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$760.00}.

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 2022-07-27
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bonneville collections in XXXX XXXX XXXX Utah continues to try and collect on the debt that does not belong to me to the tune of over {$2800.00} for a supposed ambulance ride that I have never taken I have talked to these people and talk to the credit bureaus and told them it is not my debt I've never was in an ambulance and never needed an ambulance they have failed to prove or show me any type of picture ID or identification of mine or signature of mine that agreed to services or a photo or anything

Company response to consumer: Closed with explanation