BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid and has a {$0.00} balance and the collection agency will not remove it even with consent of the doctor 's office that issued the collection. The doctor has stated they have been paid and agree to the removal. I would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The managers at the XXXX raised my rent to {$550.00} while still advertising the same aprtments XXXX bedroom for {$540.00}. I did n't agree to pay her {$550.00} so I did not renew. Now I am being charged {$1100.00} for fraudulent claims. Including that I moved out on the XXXX of XXXX however I have statements from the storage place that I returned the XXXX to. All through email. So there are records showing the lies and deception tactics to rob citizens of our money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l have the 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 instruction. 
My complaint ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Around XXXX time frame my truck was illegally repossessed and sold. I had just made a payment the week prior to making arrangements to go and get the vehicle out of the tow yard. My truck was repossessed I was never notified and it was sold.

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 2017-12-29
Company: U.S. BANCORP
State: TX
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:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
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: Account status incorrect

Complaint:
on XX/XX/22 dispute letters for XXXX and Equifax were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by XXXX and Equifax. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l have the 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 instruction. 
My complaint ID # 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 2016-05-11
Company: Genesis Credit Management, LLC
State: ND
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 received a letter dated XXXX XXXX, 2016 from Genesis Credit Management in which they asserted that I owe a debt of {$1400.00} to XXXX XXXX XXXX. I sent them a letter dated XXXX XXXX, 2016 disputing this debt and asking for the name and address of the creditor and proof of my responsibility to the debt, along with requesting that the debt be reported as under dispute to credit reporting agencies, and also requesting that any further communications should be in writing and limited to either their failure to verify the debt or the information I requested. I sent the letter certified mail, return receipt requested, and I received proof of their receipt of my letter dated XXXX XXXX, 2016. To this date, I have not received any written communication at all, the disputed item remains on my credit report, and the company continues to call my wife and me on a weekly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
National credit system account number are asking g too much for XXXX month rent I was. Not their to defend my self in court the rent was XXXX a month one month how can this rent plus a court cost of XXXX pluses XXXX an the cleaning how can that add up to XXXX that is why I want someone to vestigate I am not in no way to pay that I tried to work this out but they are abusing an taking advantage of the public an the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 get collection accounts from other people then who I actually had the debt from and Im asking it to be removed please

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 2016-01-28
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My complaint involves an apparent policy of US Bank, XXXX XXXX in XXXX XXXX NV. I was told it is a corporate directive. 
I've had a XXXX XXXX box there for a few years and was recently informed my contract for the box was out of date. On XX/XX/2018, I went in and completed and signed a new contract with XXXX XXXX XXXX. But when I requested a copy for my records I was told the contract is an internal document and I could not have a copy. 
I appealed to Manager XXXX XXXX XXXX who again said I could not have a copy and if I insisted that they destroy their copy she would cancel my box and give me the contents. 
I pointed out that it was absurd to have a contract where only one party has a copy. This seems to be not only a poor customer service policy, but also possibly an illegal unfair business practice. 
I request that you investigate the situation and aid me in obtaining a copy of my contract.

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 2017-02-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
When Costco switched from XXXX XXXX XXXX XXXX XXXX to Citibank, Citibank decided to change the cash award period that they paid in XXXX to cover a calendar year instead of the XXXX through XXXX period that XXXX used. This meant that even though Citibank paid the award in the same month as XXXX XXXX XXXX XXXX, they only paid their customers for 11 month of their cash awards instead of 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 2022-03-26
Company: TD BANK US HOLDING COMPANY
State: TX
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:
in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX  account # XXXX 4 ) td bank account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Nearly 30 fraudulent transactions were done on my small business   account. I contacted B of A on XX/XX/XXXX. They could not help me over the phone, and stated that I would need to print of Unauthorized Corporate Return Form, and list all fraud transactions, then fax it back to them ( what an inconvenience ). Never the less, I did that the morning of XX/XX/XXXX ( from the B of A branch in XXXX, TX ). I was told the processing time was 48 hours. As of XXXX XXXX CST on XX/XX/XXXX, my accounts are still frozen, deposits or pending, I can not make payroll, I can not pay vendors, amongst other things. As you can imagine, this is very very problematic for a XXXX XXXX XXXX. I need this escalated as soon as possible as this is now costing me customers, putting my credit at risk, and putting my contractors in a position not to work since they can't cash their check. PLEASE HELP!!!!

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 monetary relief
Consumer complaint received 2015-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, " Paid In Full, XXXX Balance ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
i filed a complaint and dispute over 30 days ago, I recvd paper stating my final report after investigation. the same creditor are still on there which some are over 7 years old, and are not mine, I have had id thieft 2 times in the last 10 years. I just want my my credit worthiness back, im XXXX and I need life insurance., my credit report is false my accts are being sold to collection agencies over the last 15 years, and some cases are the same creditor on there twice, but with different amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had put in a loan with request with speedy cash. Later that day I got a call from a gentle man claiming to be from speedy cash telling me my loan had be approved but that he needed my account number routing number and online backing username and password. I have gotten a loan before so him asking for my routing number and account number didnt set off any red flags. But then he asked for my online banking in my sign on n password. That got me thinking but then he proceeds to tell me that they are going to send us XXXX $ and once the money arrives in my account that I am not to spend it but to go to my nearest convenience store like XXXX and purchase cards with that money and send it back to him. Once I get that done I will be sent my full asking amount of the loan. That is when I got really suspicious and red flags started to go off all over. As I continued to speak to him my wife called speedy cash and asked them what there loan approval process was and explained I was on the phone at that moment with a gentleman claiming to be a speedy cash approval officer. She said we dont ever ask u to go buy cards and sent it back we must deposit it into ur account that's a scam report him. But I was too late because he already had gotten all my bank information. I then called my bank n closed that account changed all my banking online information and then went straight to my bank to talk to the bank manager. Fortunately my wife caught the red flags faster then I did and immediately told me to hang up change me password to online and call my bank to freeze my account I was lucky. He called from a Kentucky area code with a XXXX XXXX accent said his name was XXXX called me from the number XXXX XXXX XXXX. While i was at my bank closing my account he called me 3 more times. Probably because he was in the process of trying to ruin my account but I had already frozen the acct change all online banking info and didnt answer his first call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Yesterday I received a letter from a mortgage company informing me that my credit history had too many " delinquencies '' and othe negative items that lowered my credit. All XXXX credit agencies supposedly reported these issues. Last night I filed a complaint about XXXX. Tonight my it 's Experian.I had received my free report from them a few months ago and except for XXXX incorrect address, it was good and accurate. I asked to see my report again to find out what is going on with my credit, and the website charged {$1.00} to get a report. Now I received an e-mail from them " congratulating '' me on joining their " credit protection '' service and that after 7 days, if I did n't opt out, I would owe them {$29.00} a month! 
Here is a copy of my response : To : Customer Care & lt ; XXXXXXXXXXXX & gt ; Dear Experian, I did not order this credit tracking product and I want to cancel it NOW. Your program is misleading. It did not clearly state that by sending you {$1.00}, I would be subject to a $ XXXX monthly fee in 7 days. Your " opt out '' in seven days is hardly enough time for the poor unfortunate who does n't catch that clause in time. I am reporting you to the US Consumer Protection Bureau. 

- XXXX XXXXPS : I do not appreciate your falsifying my credit report with damaging information that bears no resemblance to the same credit history that you sent me just a few months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 604 A 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 2022-03-27
Company: Klarna AB
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have had an account with Klarna since early XXXX. Beginning XX/XX/XXXX Klarna began asking security questions that did not pertain to me, clearly pulling in data from another individual with the same name. When I contacted Klarna support and voiced my concern they advised there was nothing they could do. Ever since voicing my concern to their support staff I am now being denied use of the line of credit completely. Their application is going from we need to verify some additional security questions direct to denied without even attempting to ask security questions. It feels like this was a retaliatory move on Klarnas part for me expressing concern that the data they had for my account had somehow begun to mix with another individuals of the same name.

Company response to consumer: Closed with explanation