BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: SC
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: OH
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:
XX/XX/XXXX and XX/XX/XXXX I found XXXX charges on my Citibank thank you statement that looked odd. I called Citibank XXXX on XX/XX/XXXX after I got my statement and before the drop dead date for paying XX/XX/XXXX. They didnt help me but I figured out the two bills were from two companies I had never dealt with before and were 3rd and 4th party contractors to two companies I had dealt with before. Citibank disputed the two charges and added a third one I didnt know about yet. I called back and un-disputed the charges and to make my payment in full. The foreigners who dont understand XXXX and act for Citibank in the XXXX  did not understand, said it was too late, they cancelled my card and I could not make payments. I wasnt late then. On XX/XX/XXXX XXXX I called back to make the payment and they said I still couldnt. They were busy transferring data from the old card to the new card. They said try again XX/XX/XXXX. On XX/XX/XXXX I became late but not my fault. I still could not make a payment. Citibank said try XX/XX/XXXX. I was finally able to make my payment XX/XX/XXXX. Then my XX/XX/XXXX statement shows delinquent penalties and interest. Citibank took those off by an XXXX and I paid {$1900.00} in full XX/XX/XXXX four days before the drop dead date XX/XX/XXXX. Then Citibank came back at me with {$41.00} min payment due on XX/XX/XXXX or they send me to collections. And the credit bureaus are notified. XXXX Citibank due was {$81.00} but not XX/XX/XXXX ; on XX/XX/XXXX so I paid XXXX in full. XXXX Citibank charged me again for XXXX. And for XXXX for the one they disputed and I didnt. But neglected the new charge of XXXX. So they said I owed XXXX. I actually owe {$85.00} because of all the pluses and minuses. So XXXX. I called Citibank 10 times. I talked to 2 XXXX  and 8 XXXX. The two times I talked to Americans I got my late charges reversed and a payment made. The rest of the time I hit a blank foreign wall. When I ask for an American and I did I want to be transferred to an American ; not sent to a person who cant understand me and I cant understand them. It should be illegal for banks to use foreign workers to do their business. No wonder were in the financial, military, trade, and data messes were in. They would not let me make my payment today. They kept insisting on {$120.00}. I owe {$85.00}.

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 2023-07-31
Company: Security Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a 13 year old debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above Jormandy LLC with a court hearing date of XX/XX/XXXX at XXXX XXXX. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CCS Financial Services, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX which I disconnected since I was moving to another state. When I called to disconnect I gave them my new address in case they needed to send me any disconnect confirmation and they were supposed to update this in their system along with my new number. Now 2 years later I pulled my credit and I noticed XXXX sent me to collections without giving me the proper notice and time to pay this bill prior to being sent to collections which is against FCRA laws. I have contacted both the collection agency and XXXX Customer Service as well as their Corporate Escalations Dept to advise them I did not receive notice to pay this and now that I am aware of the bill owed I have no problem paying it as long as it is deleted from my credit once its paid. 
If my account had been properly updated I would have received this bill and paid it right away like I do with all my other accounts. I have excellent payment history and this collection is greatly affecting me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associates has transferred an alleged debt to a litigation attorney despite my initial requests to cease phone calls to me and submit all documents to me via mail. I have also requested in writing that Portfolio validate the debt they allege that is owed to them via the attached letter to which I have never received any response with the requested documents and information. Although they have a pending case open, I still have not received any information validating the debt and the right to collect such debt. In my letter I also requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g that I dispute the validity of this debt and request that Portfolio provide me with the following information : 1. Verification of the Debt : - Please provide detailed documentation verifying the legitimacy of the debt, including the full account balance, the original creditor, and the nature of the debt.

2. Proof of Assignment : - Provide evidence demonstrating that Portfolio Recovery Associates LLC has the legal right to collect on this debt, including any agreements or contracts between your agency and the original creditor authorizing such collection efforts.

3. Complete Payment History : - If applicable, please provide a complete payment history for this alleged debt, including any interest or fees that have accrued. 

4. Proof of License and Bond : - Confirm that Portfolio Recovery Associates LLC is duly licensed and bonded to collect debts in my state, and provide relevant documentation. I never received response and never received a notification or update to my credit report that the account was in dispute as I should have per FCRA Section 623. What I did receive was a notice that the account was transferred to litigation department and offers to settle. I can not offer to settle a debt that I have not confirmed is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2023-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-05-05
Company: EQUIFAX, INC.
State: MD
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:
Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been getting several phone calls from a company called Credence in which keeps calling me several times a day and harassing me. Not only do they call my personal phone but they also call my business phone number in which I've never given them nor did I give them my personal number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: CORELOGIC 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:
victom of identity theft

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 2023-07-05
Company: American Collections Enterprise, Inc.
State: NC
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 am writing this dispute for a second time and demanding that this item be investigated and removed in its entirety, immediately. This matter has already been addressed, and is in clear violation of the Fair Debt Collection Practices Act, 15 USC 1692g, however this third-party creditor is still illegally reporting invalidated information to all three major credit bureaus ( XXXX, XXXX, XXXX ) constituting fraud under both Federal and State law. 

This is a direct violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. This incorrect information being listed on my consumer reports is resulting in application denials, causing me financial stress and hardship.

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 2023-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has refused to honor my requests and properly investigate my disputes citing on numerous occasions that " A credit repair company was used to issue disputes '' when in fact I mailed these disputes myself. I've sent in an updated police report, FTC reports as well as numerous requests to resolve my issue all to my dismay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-01-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with SLS - Specialized Loan Services. Because of COVID in 2020 I lost my income. SLS placed me on a forbearance under the CARES ACT. In XXXX I applied for a loan modification and was declined in less than a week. I don't think SLS even reviewed me or placed me in underwriting. The decline letter states I was approved for a short sale which is proof they never looked at my file, I have equity. Also the decline letter states they were not able to verify a qualifying hardship. Is a national pandemic that has killed 300,000 Americans is not a qualifying hardship? Again proof they never reviewed my 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 2021-01-13
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX @ XXXX XXXX, received a two-minute call from Financial Asset Management, where I requested no phone and to correspond in writing only. 

XX/XX/XXXX - ( still waiting for phone bill from t-mobile ). Spoke to a representative from Finacial Asset Management, I asked her why are they calling me when I requested no more calls on my cell phone. The young lady did not apologize for the call, did not say I will remove your phone she just rudely and abruptly hung up the phone on me. 

XX/XX/XXXX XXXX ( today ). I received a call from Financial Asset Management and I answer the phone and kept saying hello a couple of times and the person on the other end was quiet and would not speak. I stated very clearly Financial Asses Management you are not harassing me, and the person on the other end immediately hung up the phone. It was obvious I was documented as not to call because the person would have asked for me and would not have hung up after I made the statement that this is harrassament.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One mailed me a check for remaining funds in my 360 Checking account, a total of XXXX. Check was received on XX/XX/XXXX, deposited to my XXXX account the same day. A stop payment was placed by Capital One which has caused XXXX account to become overdrawn the entire amount of the check plus ten overdraft fees in the amount of XXXX each and a returned check fee in the amount of XXXX, a total of XXXX. Prior to all this occurring, I spoke with several supervisors, one by the name of XXXX ... They were able to get a member of the Security in take team on the phone, a XXXX .... She stated she spoke with an investigator and was instructed she could go ahead and close out account, get check sent for remaining funds, a total of XXXX. A check was received on XX/XX/XXXX via mail, however, a stop payment placed on it as stated prior. I am now overdrawn this amount plus XXXX, a total of XXXX. I need a check for this amount ASAP. I've left message for a XXXX XXXX, about seven in total, she had not returned them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.

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