BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Great American Finance Co
State: MI
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 am filing a complaint against this company because they are reporting this account on my credit report that was opened fraudulently in my name. This fraudulent account is preventing me from obtaining a home loan which I am currently under a purchase agreement contract that expires on XX/XX/2020. If this contract expires and I don't close on the loan by XX/XX/2020, my Earnest Money Deposit will be forfeited. I am hoping that it does not result to that because I can't afford to loose money especially during this pandemic. I am simply asking for this company to investigate this fraudulent account and have it removed from my credit report immediately and within a reasonable time. This is now my 3rd time trying to get this account resolved by this company. If this is not done in a timely manor and I am forced for forfeit my Earnest Money Deposit because this company didn't remove an account from my name that was opened due to identity fraud then I will be filing a lawsuit for negligent enablement of identity fraud and for the damages I have incurred. I have filed an identity theft report and requesting the removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX Of XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though Experian. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently incarcerated and it was impossible for me to enroll into that or any other school.

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 2020-07-06
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX and XXXX showing as account to me / FTC violations not known to me best of my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S.C. 1666, 15 U.S.C. 1601, 15 U.S.C. 1692 ( C ) ( C ) and 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 


In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. 

I sent CHEXSYSTEMS multiple letters requesting and demanding that they remove this inaccurate information from my file within 30 days in accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i, or send me copies of the documents that they have in their files as of this date that what they rely upon for verification of these accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

On XX/XX/XXXX, ,This notice was sent by Certified Mail # XXXX. Per U.S.P.S. XXXX Return Receipt in the possession of the Libellant, refused to provide said proof of claim ( s ). 

XXXX XX/XX/XXXX, a NOTICE OF FAULT OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent to LIBELLEE by a Notary Public, the third-party witness and Justice of Peace . This notice was sent by Certified Mail Receipt # XXXX and per records on file with the USPS . You refused to provide said proof of claim ( s ). 

Chexsystems had ten ( 10 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts. 

Please see return receipt and response from Chex systems without providing proof.

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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, The Chase online payment service has misguided me which resulted in an interest charge recently. 

I'd enrolled the e-bill service for XXXX credit card with the Chase bank and set up a monthly of automatic online payment with the option of " balance due ''. However, Chase only sent the minimum payment of {$35.00} on XX/XX/23 without my knowledge, which resulted in an interest charge of {$3.00} by the XXXX. 

On XX/XX/23 I called the Chase and some a tech support supervisor named XXXX confirmed with me that there are some tech issues for the online payment service. XXXX kept apologizing to me and told me that he's not able to solve this issue. 

On the same day I called and talked with another representative named XXXX to address the same issue. XXXX also apologized to me and advised me to ask a refund from XXXX, which is totally irresponsible and unacceptable. 

I can not agree that the Chase bank has been aware of their issues but refuses to be responsible for the loss of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NY
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:
Ive tried to dispute this with the credit bureaus, but no response. Im not sure where the account comes from. I believe Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: HI
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 have disputed the late payments report on XXXX XXXX  The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-08-27
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries where replaced on my credit in batches by XXXX illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.

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 2023-04-20
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Crown Asset Management, a debt collector, is suing me for a debt that I previously requested validation for via a letter sent to them on XX/XX/XXXX. I also filed a copy of the letter with the courthouse since I was being sued at the time and still lived in XXXX. I first learned about this alleged debt from a letter served to my ex on my behalf on XX/XX/XXXX. Prior to this, I was never contacted by mail or phone about the debt and was not given a chance to validate it in accordance with the Fair Debt Collection Practices Act. After receiving the letter, I sent a validation of debt letter on XX/XX/XXXX requesting more information about the debt. Crown Asset Management never responded to this letter, and it has been over six months since I moved to a new address in XXXX and also had my mail forwarded without receiving any reply. 

On XX/XX/XXXX, Crown Asset Management filed a motion for summary judgment without providing me with the information I requested in my XX/XX/XXXX letter, which I had filed at the courthouse when I lived in XXXX  XXXX. I discovered the motion on their website and was upset that they had not properly furnished me with the requested information. I also noticed that the motion was addressed to an unknown address, so I would not have received any correspondence from them even though I had given them my address in my debt validation letter. Crown Asset Management 's actions appear to be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and I believe that my rights have been severely violated. I am seeking the removal of the derogatory account from my consumer report as it has had a significant impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: CITIBANK, N.A.
State: KY
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:
Please reference the Mastercard Dispute Resolution Management COVID-19 Guidelines dated XX/XX/XXXX XXXX attached. Please see page 4 question 1. 
This is my dispute. 
XXXX cancelled my trip XX/XX/XXXX. Services were not rendered. Merchant was unable to provide services and is now out of business. 
I contacted the resort and the room was cancelled by XXXX. I contacted XXXX XXXX and the refund for the flight was refunded to XXXX and we have not received any money back. 
The charge was XX/XX/XXXX for {$4300.00}. 
I have been in contact with Citi Bank and continue to get no resolution since XXXX XXXX. I have filed 2 disputes and still no refund.

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 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my claim is with the bank of america with them i have my account personal more than 4 years ago in XX/XX/XXXX I opened the business account and on XX/XX/XXXX, I deposited 4 unendorsed checks, the bank contacted me by telephone to request the details of who the check was addressed to. I gave it to them and in the end they told me that it was not possible to deposit the money in my account and that they returned the money to the account that generated the check, but they did not, so they deposited the funds and I assumed that they had corroborated with each of the parties, two weeks passed and when I went to make another deposit I could not enter the mobile application. I went to the bank and they told me that they had closed my account but that the money would arrive in a check at my mailing address. The total was {$6800.00}. They only sent me {$100.00} and told me that I had to wait 90 days for the person who generated the check will not claim the money because he also has an account with the same bank, the 90 days have passed and there was no solution so who generated the check, who in turn is my boss, went to the bank to claim the money they took from his account and He never reached mine, they confirmed his profile and told us that the money was returned to him in 2 weeks, 60 days have passed and they have not returned the money anywhere, on the contrary, the thieves who are working with other people 's money without authorization are the bank of america

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 2022-08-28
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Each year since M & T purchased my mortgage from XXXX XXXX they have significantly increased my monthly mortgage. This year alone my mortgage increased from XXXX in XXXX to now currenly over 1000 monthly. Initially they said it is because they had no prove of HOA insurance which I provided immediately. Then they said there was an escrow shortage because my taxes increased to over XXXX this year which only amounts to a XXXX increase. My home was purchased in XXXX. I have been in my home now for almost 14 years. The increases are fraudulent and a way to try and force me into foreclosure or remodify my loan so they can add more years. They have refused to take payments from me. Even with the forced insurance they are trying to apply to my account which was XXXX annually an increase of only XXXX $ month the extra XXXX per month they are charging still would not add up. Mortgage increase has been over 30 %. They have treated my mortgage as if it was XXXX instead of the fixed rate it is supposed to be. Once again I have proof of insurance which they have been provided and they still have outrageously increased my mortgage along with associated late fees because they knew mortgage would fall behind. Initial complaint filed in XXXX file number XXXX. Only months after they purchased my mortgage

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 2023-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector Portfolio Recovery Associates , LLC sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Credit Card with account # XXXX opened XX/XX/2019 and a balance of {$0.00}. 

This is not my personal account so therefor please remove the account from my credit report asap.

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 2023-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any of the following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here are the following items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been billing me since XX/XX/XXXX and have placed charge offs on my credit profile until XX/XX/XXXX. I have disputed this with the credit bureau on XX/XX/XXXX to no avail and as a result, my credit has been negatively affected because of the many charge offs that they have placed, and to add insult to injury, they placed another charge off for XX/XX/XXXX. 

I have never bought a single item from this business and they are fraudulently billing me for a debt that I do not owe. I do not contain any receipts, because like I mentioned before, I never bought a single item from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On Friday XX/XX/2023, I was called by ABC Fitness Solutions 3 times in a row between XXXX XXXX XXXX  time. Not only has this company harassed me, but they violated my right. A debt collector can not call before XXXX or after XXXX. They will not let me cancel my membership for XXXX XXXXXXXX XXXX XXXX XXXX because they said I have a balance.I have not worked out at this gym.

Company response to consumer: Closed with explanation