BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian does not offer a way to TEMPORARILY lift a credit freeze on the automated system. 

Previous complaint was filed on XX/XX/2020. A report from Experian was sent to me with a phone number to call or a web address to TEMPORARILY LIFT a security freeze for a period of time in order to apply for credit or for any transaction ... '' The telephone / automated system does not allow for a temporary lifting of the freeze only a permanent removal which is required in writing. 

Please add this TEMPORARY LIFTING of a credit freeze to the automated system.

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 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not have any dates and times at the moment but the company has been calling me for years trying to collect a debt. I got so frustrated that I was willing to make payments on the debt but was told by the company I would need to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Barclays Bank to inform them of a fraudulent account open in my name. I agreed to help in any way. I called them today to check on the account as it was showing still open on my credit. They say they have completed their investigation and confirmed the account is valid. I have never applied for this account.

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 2020-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I requested a balance transfer using my XXXX XXXX XXXX Rewards credit card. The payment of {$510.00} went from XXXX to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX XXXX said they never received any payment. I contacted XXXX to inform them that XXXX/XXXX XXXX has not received the balance transfer payment. On XX/XX/XXXX I had a conference call with a rep from XXXX by the name of XXXX  and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so XXXX could resend funds. XXXX said there was no payment showing in any of their systems to give XXXX a notice of payment rejection. XXXX from XXXX XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. After the conference call I was under the impression that XXXX would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at XXXX with regards to my missing balance transfer payment. On XX/XX/XXXX, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to Chase instead of XXXX/XXXX XXXX. Chase is XXXX and XXXX XXXX parent company. XXXX has sent several messages to Chase asking them to resend my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: TN
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: SUNTRUST BANKS, INC.
State: CA
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 recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " SUNTRUST '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my 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 2023-07-21
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX 2020, I first requested XXXX XXXX XXXX to address service problems, they transferred me to 2nd level C.S. Which wasa hangup. 
In XX/XX/XXXX, I ( after dozen hours spent in their poor C.S. conduct ), again came 2nd level solutions ignoring my service inadequacies, and hungup. 
I had no method to quit, no party would entertain nor process my departure, which appears to be the way their business design at XXXX XXXX XXXX is built. I informed them in two, non-ignorable ways - char session and survey in XXXX AND I ceased ALL usage of their home/mobile/both services and equipment! No usage at all past late XXXX. 
They provided no label, address nor recognition of my departure nor notice and after countless hours, consumers should not be bullied ignored nor designed out of quitting! 
With no option, i dropped their years old router at their door on XXXX  XXXX, XXXX XXXX FL. 
They kept billing usage and fres into XXXX then ignore written notices of above and came up with some made up fee equipment which isnt valid. 
Then it got worse. Years of harassment, multiple calls per day, then it was a imvalid pursuit transferred to firm 2 then to firm 3 the one that posts the inaccurate credit mark on my record, CREDENCE RESOURCE MANA {$470.00} For : XXXX XXXX XXXX I have informed FTC of these practices against consumers ; I am informing CFPB and I will continue to XXXX and more. They are requested to be informed by your agency to cease, to recognize erroneous info. from XXXX XXXX XXXX, to negate and fully clear any dispute to XXXX reflecting no such unpaid amount, no collections $ due, and for all parties from XXXX XXXX XXXX to CRM to not contact me nor hold any attempt to in any way no contact!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from XXXX XXXX was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by Experian that the information is verified as accurate. How can that be so, if it is not my account? Please handle both Experian and XXXX XXXX in the illegal reporting of this {$34000.00} auto account that is not mine! 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 explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX XXXX XXXX XXXX  {$5200.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-24
Company: American Credit Acceptance, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed account get corrected. 
XXXX XXXX XXXX  XXXX Balance : {$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 2020-03-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
see attatched REGIONS letter XX/XX/XXXX confirming a dispute was recieved XX/XX/XXXX PER REVIEW NO DISCREPANCY WAS FOUND. Due to my XXXX I have no one to assit in THIS EXTRA HARRASSEMENT STEP OF REGIONS ID THEFT KIT. I HAVE SUBMITTED IT TO AUTHORITES REGIONS DENIED MY CLAIM. Regions may view the attatched FTC ID THEFT REPORT case XXXX for any information needed or documentation of fraud date XX/XX/XXXX. see attatched MAIL FRAUD LETTER of XX/XX/XXXX. also see attatched REGIONS REPLACEMENT CARDS DOCUMENTATION. My records show XX/XX/XXXX I REPORTED UNAUTHORIZED TRANSACTIONS CARD END XXXX. XX/XX/XXXX REGIONS REPLACED FRAUD CARD WITH CARD END XXXX see attatched XX/XX/XXXX regions letter end this card XXXX. Over {$2000.00} reported unauthorized to no avail. CLEARLY THESE WERE ALL REPORTED TIMELY EVEN FROM DATE OF LETTER XX/XX/XXXX THEY ARE NOT PAST 60 DAYS. MY CLAIMS DISMISSED THEN CORP OFFICE REFERRED ME TO BRANCH XX/XX/XXXX TO RESOLVE. EMAILS FROM THIS OFFICE UPON REQUEST. STILL NO RESOLVE. My records show I reported fraud again XX/XX/XXXX REGIONS REPLACED THIS FRAUD CARD ENDING XXXX I reported again XX/XX/XXXX REGIONS REPLACED CARD END * XXXX.???? Then they denied my claim. Kindly Note Regions Letter of XX/XX/XXXX IS AFTER CONFIRMED INVESTIGATION thus HAD TO BE REPORTED PRIOR TO XX/XX/XXXX. KINDLY NOTE THE CARD ENDING WAS XXXX THE FIRST REPLACEMENT. CARD FROM XX/XX/XXXX. FRAUD CONFIRMED REPORTED TIMELY. REGIONS DOES NOT RESOLVE FRAUD. REGIONS COLLECTS ON ID THEFT. REGIONS DOES NOT PROVIDE XXXX ACCESS MOBILE APP. OR WEB. THREE BROKEN LAWS. REGIONS PRETENDS THEY DO NOT KNOW WHAT I AM TALKING ABOUT. EMAILS OF IGNORING ME XXXX XXXX FROM XXXX XXXX XXXX FL BRANCH OFFICE XX/XX/XXXX UPON REQUEST AND THAT IS after corp ignored me over a year.

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 2019-07-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
They brought me court I had 4 months left on leases to buy after the lease was up I was late in payment and want to pay XXXX to catch my lease up we went court and judge order me to give them they car I pay all that money on that car and I was fighting to keep it they would stop me from trading it at dealership because of they words. I did want to take my XXXX towards bring payment up to date .I FELL THEY CHEAT ME OUT THAT CAR. NOW THEY WANT ME PAY FOR CAR I HAVE IT WAS LEASE. They went on my credit report and put I work for XXXX XXXX XX/XX/2014 and I open my account onXX/XX/2014. I did know till i put my credit report they use my son information but i the one who buy the car they did because they had sold me lemon car. I was going suit them so they put in new car to XXXX me up. now i was at end of my lease did want take my XXXX to be caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2XXXX  they are violating FCRA guidelines. I have proof of payment as well.

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 2023-07-18
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a debt from an XXXX XXXX account in the amount of {$160.00} for {$84.00} with XXXX XXXX, XXXX out of XXXX, XXXX XXXX XX/XX/2023. They sent be a confirmation of settlement for the stated amount on XX/XX/XXXX to confirm the resolution of this debt at the agreed amount. 

I have been harassed by phone and email from a different debt collection company, Credence Resource Management in XXXX TX, regarding this same debt from XXXX. I have sent them proof that this debt has been resolved but they have refused to accept my confirmation of settlement from XXXX XXXX XXXX XXXX. I should not have two debt collection companies trying to collect the same debt from me, especially when the debt has been resolved properly with proof from my bank and XXXX XXXX XXXX XXXX. Please see the attached documents for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.

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 2018-02-18
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint because of deceitful if not illegal practices regarding the short sale of my property. 

1. OnXX/XX/XXXX after seven months in the short sale review and negotiation process, I received a written short sale counter offer from US Bank in the mail. 
2. The counter offer was to increase the purchase amount to no less than 95,000 and the facts in [ my ] application have remained the same. 
3. I accepted the counteroffer in writing and submitted as requested a valid Purchase Agreement [ ] byXX/XX/XXXX 
4. I included a settlement statement reflecting the conditions of the {$95000.00} price and all else remaining the same. 
5. The consideration for this agreement was an additional {$7700.00} in net proceeds to US Bank over my previous offer.

6. US Banks BPO on the property came back with a {$95000.00} valuation 7. OnXX/XX/XXXX I was informed that US Bank reneged on its own counteroffer noting an investor decision. 

In following up on this news, my attorney and I were told to call XXXX XXXX and discuss the issue with them. XXXX XXXX said because the short sale was in a foreclosure process, they could not talk to us. The agent said that an attorney needed to speak with another attorney at US Bank and referred us to the Legal Department at US Bank. They instructed me to call the toll free number for customer service and ask to speak with the Legal Department. We did that. The customer service agent at US Bank told me that she could not transfer me to the Legal Department because my account was flagged as mortgage assistance point, e.g. in loss mitigation. 

Instead, she transferred me to Loss Mitigation, who transferred me to another associate, who transferred me to one supervisor who transferred to another supervisor, who transferred me to a customer advocacy associate. The customer advocacy associate indicated ( as did the others ) that it was the negotiator who has the communication with the investor. We asked to speak with the negotiators supervisor and were told he would get back to us, but he would probably not be able to help because it was an investor decision. We were told the offer is rejected, but not denied. At that point, the customer advocacy agent advised me to file a complaint with the Consumer Advocacy Department. I did a week ago and have not received even an acknowledgment that the complaint was received. 

My position is that we have a legal and binding contract. US Bank sent me a counter offer, I accepted it and increased the price as consideration.

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