BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX  XXXX is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one,  they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, XXXX  dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my student loans 90 day late is reporting, but to my knowledge these 90 day lates are inaccurate. hence attached letter, i was recovering from   XXXX   XXXX   XXXX   accident which happened to me in  XXXX  i questioned the creditor to remove the delinquencies but, they explained that i had to be a veteran in order to be qualified for the removal of the delinquencies. i have attached the letter that i have also submitted to the creditor and to all   XXXX   bureaus, please go through my letter carefully and you will see that i have been in the worst situation and i do deserve to be given a second chance.   i would greatly appreciate for your cooperation in this matter.   gratefully yours  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 explanation
Consumer complaint received 2020-09-28
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My spouse owes money to a local hospital which they did rightfully so send it to the debt collector Harris and Harris. The amount is approximately $ XXXX. We just haven't been in a position to pay however for the last few months they have been calling her at approximately XXXX est every day for months but have been calling her 3 times per day. I believe XXXX says they shouldn't call more than twice per day. I work for a major studen loan servicer and we're not allowed to call more than twice per day between XXXX and XXXX. They have also been calling her at work every day trying to collect of which I believe per the FDCPA they are only allowed to call to verify employment not to collect. Call records can provided upon request. The debt itself is not in dispute but malicious practices against government regulation such as TCPA and the FDCPA Section 805 15USC 1692d ( 5 ) clearly does state " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number '' call records can be provided upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan request was with Flagstar Bank, N? O/O purchase, {$310000.00}, 25 % down payment. 
Loan was approved and conditioned which we satisfied and upon receipt, additional conditions were required and met yet loan was not cleared to close. Evidence was provided to lender that all conditions had been satisfied. 
We applied with another lender and closed XX/XX/2020.

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 2016-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I HAVE A BEST BUY CREDIT CARD ISSUED THRU CITIBANK AND I AM GETTING CHARGED MONTHLY FEES FOR A Credit Life Insurance Fee, which I do n't want. I tried calling and never get an answer. I went to store and they said it would be taken off after speaking to someone on the phone, but my account is still being charged monthly for 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 monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX {$71.00} XXXX XXXX XXXXXXXX {$890.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$480.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a dispute in XXXX of XXXX regarding two transactions from XXXX. I did NOT receive the merchandise. I contacted XXXX and made them aware of the fact I did NOT receive the merchandise. I later lost my card and XXXX indicated they could not issue the refund due to this and I needed to contact my card holder account. I responded to the disputes and was never contacted by Avant. I learned today XX/XX/XXXX Avant had charged back the items to Me. Im NOT paying for something I did NOT receive. I want this refunded ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: The Bureaus, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have disputed debt and this company would remove and then put back. or they would add or subtract XXXX every time i dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-29
Company: Franklin Collection Service, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Good Morning, On XXXX/XXXX/16 I opened a Citigold checking account in response to a promotion where Citibank was offering XXXX AAdvantage miles in exchange for opening an account and meeting spending criteria. On XXXX/XXXX/16, After satisfying the requirements of the promotion I contacted a Citibank representative via online secure chat ( see attached conversation as proof ) who confirmed that I had " met all of the requirements '' for the promotion and my account would be credited with the XXXX AAdvantage miles no later than XXXX/XXXX/16. Having not received the miles by the deadline promised, I contacted Citibank who are now claiming that I was not eligible to participate in the promotion and will not be receiving the miles explicitly promised. This is clearly a deceptive practice designed to lure in potential customers with bonuses they do not intend to fulfill in order to collect monthly service fees. 
Thank you

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 2020-09-28
Company: FirstPoint Collection Resources
State: NC
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:
I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with  them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX  that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to First Point collections resources to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you.

First point collection resources Please delete all hard inquires listed in documents and above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Stellar Recovery, Inc.
State: CA
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:
I attempted to pay a bill XX/XX/2017 to a collection agency Stellar Recovery because it is on my credit report and they advised that they had no record of it. I advised that it is indeed on my credit report under their collection agency name in the amount of {$110.00}. I was placed on hold, the rep came back and still advised that their was no record in their system. I need this debt removed from my credit report. All I have is what is on my credit report so I have attached the 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 2015-08-28
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i disputed fradulent inquries and accounts and they were not investigated properly and not removed from credit file

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 2020-09-28
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency, National Credit Systems, is attempting to collect a debt in the amount of {$5800.00}. This debt was originally from XXXX XXXX in XXXX XXXX, SC. due to damage to a property by way of vandalism caused by a 3rd party in XXXX of 2020. To my knowledge, no attempt to collect this debt was made by XXXX XXXX before moving it to National Credit Systems. I was unaware of this debt until late XX/XX/2020. I had requested a hold on the account as soon as I was made aware of it while I attempted to work things out with Northwoods Townhomes but was not granted this. I attempted to reason with National Credit Systems, XXXX XXXX and XXXX XXXX, who is the owner of the property, that this debt is not mine according to the lease agreement drafted and approved by Northwoods townhomes and XXXX XXXX According to paragraph 12 of the lease agreement I can not be held liable for the damages if I am not found to have been negligent, those that did the damage were a part of my household, invitees or guests, or am found guilty of the act myself. None of which had been the case. 
After explaining this to National Credit Systems and requesting validation of the debt I was informed by the agent taking my call that the only verification necessary for National Credit Systems to  continue with the collection was that XXXX XXXX still considered the debt mine despite my legal claim to the contrary. This agent also threatened that a negative mark would be presented to the major credit reporting companies if I did not pay this debt on or about the the end of XX/XX/2020. In early XXXX I verified that this negative mark had been presented. 
I have written letters formally disputing this debt to National Credit Systems, XXXX XXXX and XXXX XXXXl. Each of these companies have respectively told me that it is not their concern, out of their hands or outright ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 have accounts with the banks ( Navy fed, XXXX XXXX XXXX ) yet the banks have had my address wrong I have called the banks on three telecom calls and ask them to have the unit number on my accounts so I may get the mail. It was not updated as a result my credit has been messed up. I would like for the banks to update my account if they have not done so and resend the statements out so I can review the bills and pay what is needed, and update my credit report please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: ZENCO COLLECTION, LLC
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2021-04-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Approx XXXX yrs ago did a payday loan for {$290.00}. Became VERY XXXX AWAITING XXXX surgeries. I'm XXXX. Received a threatening call saying they are taking me to court for ALL KINDS OF GARBAGE. GAVE me a case number. Sueing me for over {$1500.00}. Very threatening. Their number is XXXX XXXX XXXX. Ace Cash Express. My number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Torres Credit Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation