BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I called XXXX XXXX who is issued by XXXX XXXX, transactions that I did not do/ they were all international charges. The agent gave me the run around stating that they can not issue a instant credit right away. Also there is no number to contact fraud Dept, all of this  may take up to 90 days to resolve which is child support money that I need for my child pls feel free to contact at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2020-08-19
Company: ROC Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/XXXX, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number. 

I spoke with him on XX/XX/XXXX and made arrangements to get the debt paid and taken care of. 

I spoke with him again on XX/XX/XXXX when he called my work looking for me again and they forwarded his call to me. I again asked he not call anyone other than myself about this debt and that since I've already made arrangements, he shouldn't keep calling anyway. 

Then, on XX/XX/XXXX I got messages from 2 of my sisters-in-law and my brother-in-law that they had a voicemail from him on their phone from early that morning. The numbers called were XXXX, XXXX, and XXXX, respectively.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-17
Company: CHECK INTO CASH INC.
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:
XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
Check into Cash appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX.  I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX  appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter.
If you need any documentation you can email me at XXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchase the three items from XXXX XXXX in XX/XX/2017. When the items came to my house and was not please with the items. So I packed them up and paid for the shipping for the 3rd item Total {$16.00}. Next they send me a bill for {$39.00} I called the company and ask them what the charge was for, knowing that she received the items. She said the charge was for restocking fees. 
I said to the lady that's crazy I won't pay for an item that I don't have. 

A year later I get the attached letter from the Collection Agency saying I owe them {$82.00} This is on my credit report and should be removed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: TX
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:
This is a test CFPB to prove XXXX XXXX XXXX XXXX ) XXXX XXXX does not read complaints and automatically lists my request/ complaint as a duplicate. CFPB is a game for XXXX and Experian. I have requested the permissible permission to have accessed my credit report by XXXX and Experian. Both companies dodge, pass the buck, and play word games like their children. Today my request is simple - For XXXX - Please explain why you haven't sent the permissible permission to have accessed my credit report in XX/XX/2017. For this time I am not requesting copy of the permissible permission but just an answer why they refuse. Am I missing something? For Experian- Please explain why you haven't sent the permissible permission to have accessed my credit report in XX/XX/2017 and why you feel you are justified in passing the buck to XXXX who then ignores and refuses? Am I missing something?

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 2021-04-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX someone used my name to apply for an apartment in XXXX. The application was denied based on the debit/credit card information the applicant used when applying for the apartment being declined. On XX/XX/XXXX I was informed that I now have derogatory marks with all credit bureau for this matter. Although, I never applied for the apartment. I have never lived in XXXX. I currently live in XXXX  and was living in Nevada when the individual applied for this apartment. My credit has been impacted by something I am not responsible for. I have been informed I have to file a police report and have to submit several documents to Columbia Debt Recovery before they can remove the collections off of my credit. I will be going to the police department today to file the police report and submit all documents they have requested from me to have this cleared and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: FACTUAL DATA CORP.
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:
XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
Factual Data appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry.
XXXX XXXX XXXX  appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone.
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company.
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXX. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Crow Creek Sioux Tribe
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan out of desperation - I was advised on the site that this was not a cheap way to borrow money but I was led to believe that I could make payments and pay it off over a short period of time - this was not the case. I called them and let them know I was having difficulty but they were still withdrawing money. I then tried contacting a negotiator - in XXXX my balance was XXXX - they kept adding exorbitant interest and in XXXX said I owed XXXX - but they would accept XXXX - the best they would accept I have continued to make payments but found out that in Pennsylvania it is illegal for this kind of interest. and that my state is going after these companies that try to avoid regulation by saying they only listen to tribal law.

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 2022-06-12
Company: CAVALRY INVESTMENTS, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. They called but never sent a letter notifying me of the debt.

They contacted me numerous times. Finally a letter from attorney from HELPS ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/2021 and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Hi requested a new credit card to my address XXXX XXXX  XXXX XXXX XXXX Texas XXXX and I never received my credit card and it was send back to the sender by the US postal service and I never requested that and the bank told me that I would have to go on another credit review if I get another card sent to me with a new card number and I explain to the bank I never requested for a address to be forwarded it must be a mistake with the US postal  service and my brother was recently moved and he must use my name to change the address without my permission and its fraud if that true and Im asking for first National Bank of Omaha to resend me that credit card with the same account number to my address ... my original credit card was stolen along with my wallet and my wallet was recover by the police department of XXXX XXXX and Ive been going through too much already such as losing access to my XXXX and not receiving any verification codes to my phone and getting all my cards reissued to me

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 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX, an unidentified person went to a Bank of America ( BOA ) branch in XXXX New York with fraudulent identification. Bank employees gave this person a new ATM card with access to my account. He subsequently withdrew {$800.00} from an ATM and additional {$6000.00} was personally withdrawn via a teller. I was alerted to some irregularities with regard to funds being shifted between accounts at BOA, which led me to go online where I discovered some large withdrawals that I did not make. I was told that the amount is still being investigated. The {$800.00} was confirmed that it was fraudulent and will be refunded. I have been given no further assurances regarding the {$6000.00}

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 explanation
Consumer complaint received 2022-01-12
Company: LEXISNEXIS
State: MN
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:
XXXX is not the original furnisher! You are not conducting a proper investigation! I dont want to sue lexis but it look XXXX sure Im going to come after you with suit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: CITIBANK, N.A.
State: AZ
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 had called CBNA and asked if they could update my account as what was being reported was hurting my consumer report. The representative I spoke to told me that they did not have access to my account and could not do anything about it. After a couple days I looked back on my account and it notified me that the account was closed. I never agreed to getting my account closed. Under 15 USC 1681 a ( 2 ) ( iii ), it was clearly not disclosed with me and if it wasn't disclosed they can't have anything to do with my report. Please update my late payments.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$800.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$120000.00} XXXX   XXXX XXXX {$120000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2017-06-27
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a credit card with Citibank in XX/XX/XXXX. I made my first payment of {$1000.00} on XX/XX/XXXX ( the date it left my account at XXXX ) via bank to bank transfer, from my account at XXXX to the credit card account. This is an electronic funds transfer -- instant cash to Citi. However, I learn today on XX/XX/XXXX that my payment was being held by Citi until XX/XX/XXXX! This is unacceptable. Citi has my money. I no longer have the money in my account at XXXX. That is 9 DAYS! In this day of EFT, overnight clearance of personal checks, etc. it is absolutely unacceptable for Citi to hold on to my money ( cash via EFT ) and this long before I get access to it. They in turn are using my money ( along with that of others ) in overnight lending to make money on my money. They should not be allowed to hold onto my money this long when it is a bank to bank transfer.

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 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
my daughter received a pre-approved credit card offer 24.65 % interest {$35.00} late fees {$75.00} menbership fee really? {$19.00} user participation fee really? apr will never be greater than 29.90 % ( that is disgusting ) she is a college student and has no income ... no wonder these kids are so in debt you are aggressively predatory ... disgusting ..take her off your list and do n't tell me you do n't tell me you do n't have the correct information to do so ..so have enough information to prey on her so you have enough to take her off you list and do not tell me you are giving her an opportunity to establish credit because that is deceptive and disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: ROC Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On Monday, XX/XX/XXXX 2017 and man by the name of XXXX XXXX called multiple acquaintances and family members of mine, leaving them voicemails with claims that he was calling to resolve " Allegations made against me ''. When he was able to reach one friend of mine, XXXX XXXX, XXXX XXXX identified himself as an attorney. When I called XXXX XXXX to find out why he was harassing my friends and family, he gave false amounts owed and originated on a business loan taken from XXXX Additionally, he gave multiple indications they would be filing a lawsuit against me and indicated different timelines. This individual and company is harassing both myself and my friends & family and is falsely identifying themselves as attorneys and leaving derogatory voicemails indicating that I am facing some sort of legal allegations. His voicemails were ambiguous as to lead one to believe I was facing some sort of criminal allegations. They unnecessarily concerned my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received an Email from XXXX that I have a collection On my credit when I Check my credit profile I seen the inaccurate Account on my files that I did not Authorize I had This issue in the past. I thought it was over, now I'm noticing someone is trying to open knew Accounts using my personal Information please put a block on my credit where if someone pulls my credit i would have to be notified.

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