BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Amsher Collection Services, Inc.
State: CA
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:
Amsher Collection called me from XXXX. Their representative ( rep ) XXXX XXXX stated that XXXX/XXXX had put me in collections. However, I am currently in dispute with XXXX   due to misrepresentations, faulty equipment and turning off my service but still billing me. Over a two month period, I have had over 8 XXXX representatives from call with no coordination to resolve the issues. 

The AmsheXXXX rep XXXX stated that XXXX " of course '' put my account in collections. I asked the rep to clarify why XXXX would " of course '' put my account in collections. The rep would not clarify why she said " of course '' and tried to make me wrong by asking the question, She then threatened that my XXXX account would adversely affect my personal credit report. XXXX is retaliating against me when I trying to resolve a dispute with mybill ( see enclosed attachments to the FCC and CA Attorney General. 

When I again asked XXXX XXXX to clarify what she meant, she hung up on me stating " I am courteously disconnecting this call. '' I am not sure how just saying the word " courteously '' then hanging up on someone in mid sentence is " courteous. '' Also, I am not sure how threatening to putting my disputed account into collection and threatening to degrade my credit is " courteous. '' I immediately called XXXX management ( Director of Customer Service, XXXX at XXXX ) and asked him why my account was in collections when his diviison and company was working to resolve the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My vehicle was XXXX XXXX XXXX, it was stolen during a carjacking in XXXX. I explained to the bank that the car was not in possession any more. I tried myself to get the vehicle out to XXXX police impound. They detective over the case said that the vehicle was held for evidence and later released for pick up. I called the bank and let them know that they can pick up car since it was damaged during the theft. Credit acceptance is charging me full price is something that I dont have and I cant afford to pay them back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: The Best Service Co.,Inc
State: CA
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:
The Best Service Company - I was told to contact this company to request proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.

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 2017-06-07
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I have received multiple phone calls from " Diversified Consultants ''. When inquired about the nature of the call, the lady told me it is a for a personal business matter regarding my wife. I have asked twice now with two different employees to elaborate on what kind of personal business matter. Neither would chose to do so and hang up. One is named XXXX XXXX. The second is named XXXX XXXX. Neither of two is very willing to share any information except implying it may be a debt collection. I do not recall owing any sort of debt. I have searched for the company and found them to be associated with many scams. If a debt is owed, I would like proof. Otherwise I do not want them to call again. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CITIBANK, N.A.
State: NV
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:
Almost a year and 1/2 ago I contacted CITI CARDS/CITIBANK to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called CITI CARDS/CITIBANK today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 checked my credit report and there where inquiries from identity theft reported on their on my XXXX and my transunion and when i tired to have them remove it they wouldn't.

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 2020-06-21
Company: EQUIFAX, INC.
State: VA
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:
THIS COMPLAINT IS ON EQUIFAX. I HAVE CONTACTED THEM SEVERAL TIMES TO FIX INACCURACIES ON MY CREDIT REPORT. INSTEAD OF THEM FIXING THE INACCURACIES THEY KEEP UPDATING THE COMMENTS " CONSUMER DISPUTES, REINVESTIGATION IS IN PROCESS '' I HAVE NOT REQUESTED ANY DISPUTES. EACH TIME THEY UPDATE REMARKS ON MY ACCOUNT. MY SCORE DROPS. I PAY XXXX A MONTH TO THEM TO BE ABLE TO SEE WHATS GOING ON WITH MY CREDIT REPORT. I HAVE SENT THEM COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ON XX/XX/XXXX XX/XX/XXXX. NOW THEY ARE SAYING I CAN NOT HAVE ACCESS TO MY INFORMATION BECAUSE MY IDENTITY CANT BE VERIFIED. I LAST SPOKE WITH SOMEONE XX/XX/XXXX, PRIOR TO TODAY I SPOKE WITH SOMEONE XX/XX/XXXX I HAVE SEVERAL CONFIRMATION NUMBERS BUT THEY STILL WILL NOT DELETE OR FIX THE INACCURACIES ON MY CREDIT REPORT. KEEP IN MIND MY NAME AND PERSONAL INFORMATION WAS LISTED IN THE DATA BREACH. ERRONEOUS COMMENTS AND ACCOUNTS THAT NEED TO BE DELETED ARE XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. HAVE SPOKEN WITH THEM SO MANY TIMES THAT I RECEIVE SURVEY REQUESTS BUT THEY CLAIM THEY CANT VERIFY MY IDENTITY, HOWEVER THEY HAVE NO ISSUES DEDUCTING XXXX OUT OF MY ACCOUNT FOR THE EQUIFAX COMPLETE PLAN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below.

I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX  ( INQUIRY XXXX ) 2. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 3. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX  XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX  COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: PLAZA HOME MORTGAGE, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was not notified of the servicing transfer of my loan per CPFB requirements. The CPFB Bulletin   XXXX    Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers clearly says " the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' A postmark does not equal a borrower being notified. Receipt of the letter is notification.      Plaza Home  Mortgage closes at  XXXX  my time and I received the letter Friday so  XX/XX/XXXX  I was not able to get any further information on the transfer before today,  XX/XX/XXXX  Note that leaves me 6 days to get a payment to someone. I 'm glad I was n't traveling for work or on vacation because  Plaza Home Mortgage turned off my auto payment. I would ha ve missed a payment.      I called Plaza Home Mortgage this morning to figure  out what is going on and   XXXX   claimed the requirement is the postmark not the customer receiving. She told me, " the post office says it wil l take 7-10 days and we  ca n't account for that. ''  So Plaza Home Mortgage is knowingly giving customers as little as 5 days notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase approved a new Amazon credit card on a purchase through XXXX. They issued a {$4000.00} credit line, and emailed an approval. When I didn't receive the card I called and they transferred me numerous times over numerous days to different departments who stated that they couldn't identify my address. After those attempts I stopped into a branch who helped me get through to the correct department. It was the fraud department who then stated that the account was closed. I couldn't get an explanation. I escalated it to the executive office who then stated that they couldn't approve the card because my balances were too high! This is after they approved it. These are all lies as my credit utilization rate is low at 23 %, and my address is correct as shown on the statement they sent. Now they also opened and closed the account on my credit files, lowering my credit score. How can they legally be allowed to do this? This is consumer fraud. 

Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/21 there was a collection account added to my credit report. So I immediately disputed the item to the two credit agencies that they were on. XXXX  updated and removed the item in two days, since I sent them the proof of payment. 
The same day I submitted a dispute with Transunion, and uploaded the same information I sent to XXXX. Every few days I would check on the status of the dispute, it will always say in process and it will take about 30 days to complete. Today I login to Transunion to check for the status and its gone, just disappeared and had to file a whole new dispute again and start over from the beginning. I feel like I shouldnt have to wait another 30 days for this to be resolved since they are the ones who made the mistake. I was looking to make a large purchase but have been stuck now waiting on Transunion, XXXX  fixed it ASAP why cant Transunion.

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 2022-04-28
Company: DISCOVER BANK
State: VA
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 fair credit report Act XXXX  Account # XXXX has violated my right.

15 USC 1681 Section 602 state I have the right to privacy 15 USC 1681 section 604 a section 2 it also stays consumer reporting agency may not trend my written instructions 15 USC 1666B A creditor may not trend my payment on a credit card account under a open end consumer credit plan as for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I HAD VENMO FOR YEARS. I TRANSFERRED {$7400.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS.

INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$7400.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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: Old information reappears or never goes away

Complaint:
on XX/XX/2021, I received notification that a debt had been added back to my TransUnion credit report. It is listed under the collection company XXXX. The Fair Credit Reporting Act ( FCRA ), requires consumer reporting agencies ( CRAs ), also called credit bureaus, to maintain an accurate file of your credit information. Also according to the FRCA items can not reappear on your credit report unless youre notified in writing within five days. I have not received any notice from Transunion informing me of such.

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 2018-10-07
Company: CITIBANK, N.A.
State: NJ
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: Investigation took more than 30 days

Complaint:
Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( XXXX Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX ). As of today, more than 30 days have passed without a reply from Citibank.

Please investigate this matter as I believe Citibank is in violation ( again ) in accordance to the Fair Debt Collection 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 2018-03-12
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I talk to them snd ask to provide proof of me opening acct. told them not to call me again and now they are harrasing family members and I want thrm to stop. ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$440.00}

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 2021-12-10
Company: Direct Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are repeatedly calling me about something I have no clue about and I dont owe anyone anything. Now they better stop calling me and nothing is on my public record. First off my old last name does not apply to me anymore and I dont have no case file or anything with md regarding them. They called from XXXX.

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