BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under RMP SERV LLC and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MO
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 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Type XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} Court : US BKPT CT XXXX XXXX XXXX Federal U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} ) 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: WA
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 recently applied for a mortgage and my credit report came back with a lot of accounts that are not mine and bankruptcy I never file for. All of this information is reporting on the XXXX and Equifax. The credit information reporting on XXXX is correct. I have tried to dispute the reporting with the other two bureaus but they have not processed my disputes or remove the bad accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was mailed a new credit card because the old one expired so i updated it in my XXXX XXXX  right after i activated the new card. XXXX XXXX  sent me a link to call my credit card company so i did. I went thru the verification process today XX/XX/23 calling on my registered mobile phone ( the only number i have ever had with them ) and answered all the info correctly but then they said i needed a land line to to continue verification which i dont have. They also asked me for another credit card which i dont have ( and if i did why would i give them the info on it? ) so they said the only way to verify was to wait to receive a letter in the USPS mail which would take 5-7 business days and they were locking me out of my card until i received the letter. I was supposed to go visit my family down state but now i cant leave home until this letter comes in snail mail. Totally ridiculous. In the past they called me on my mobile to verify a purchase and now that number is not good enough?

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 2023-07-06
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For 3 months withdrawals were made by XXXX XXXX  from my Associated Bank business and personal account without my knowledge or consent. I disputed the charges from my personal account after I was notified by Associated bank about one of the charges from the unauthorized cash ap account on my personal account. ( I also had a cash ap account that I authorized on my personal account. ) I received a refund for my personal account. Then I noticed the same fraud occurred in my business account over the same period of time. ( I did not have a cash ap or any other electronic transfer service attached to my business account ) My dispute of these fraudulent charges was denied and I was banned, without notification, from having debit cards, which has had adverse effects on my business and emotional well-being. I did not authorize these withdrawals and I was not notified of them by cash ap or Associated bank. Also I was not told how I could better protect myself or how my account was breached or how they arrived at their decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to contact XXXX  XXXX, not XXXX, and not D Scott Carruthers, a law firm, to contest the amount they say I owe for a personal loan through the original creditor XXXX. I have tried to get a response from XXXX XXXX directly to resolve my account. I am forced and rerouted to speak with XXXX XXXX who works at the law firm D Scott Carruthers to accept their amount of {$20000.00} as the amount I owe. I have contested this amount and asked to pay a settlement close to the amount that still appears on my credit report of {$3100.00}. In good faith, I have paid more than {$1100.00} at their demand to enter into any paid agreement, and they required $ XXXX  monthly as the only option to pay off the loan. I am unable to pay $ XXXX  monthly so they have declined all together to make arrangements with me as they continue to add interest 300 % more than the original loan. I am asking to set up a monthly amount of {$200.00} and a settlement equal to or near the original debt. They are not budging. They called me two weeks ago and I requested the same amount, and they said they would get back, but I have not yet been able to reach an agreement while the interest they claim is rightfully there's is accruing. I need help in getting a reasonable settlement with a monthly payment that I can pay. Why I am forced into an agreement with lawyers instead of the debt collector XXXX XXXX is also concerning. XXXX XXXX has not reported the the credit bureau any payments made in the amount of {$1100.00} to my account. Nor have they stated the amount of the debt owed. There aren't any trade lines with the amount I owe, as they accrue interest by withholding an a reasonable payment agreement. They aren't being transparent in my view. They would rather not make an agreement in your presence, but I need a reasonable agreement before they sue me for {$20000.00}. I need an agreement right away to stop this interest rampage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has violated my federally protected consumer rights.

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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had got an email from my XXXX account a few months ago saying it was a security breach, shortly after I got a note in the mail from XXXX XXXX XXXX XXXX, then XXXX XXXX  mail came, a few weeks later XXXX XXXX mail came. All notes were declines for a credit card or loan I didn't do. These are affecting my credit score and need to be removed.

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 2020-02-11
Company: Square Inc
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On Saturday XX/XX/XXXX someone tried to take {$730.00} out of my cashapp account. Cashapp locked my account for my safety os what they said, and to contact cash support. I have contacted cash support all weekend with no response. Monday morning at XXXX XXXX  I received an email from an advocate named XXXX from cash app stating that they apologize for the late response and someone will get right on the problem. Still there was no response after that. So this morning I tried to contact cash support once again to resolve my issue and I received and email stating that my case had been closed for not responding for over a week. Which is not true because it hasnt been a week and I never got anything else from them. Now when I try to email cash support it says I cant contact them at this time and I should try again later. This is very disappointing all I want is for my issue to be resolved and my money back on my card. I told them I would also like to change all my pins/codes and request another card. If someone would help me with this issue it would be greatly appreciated. I work too hard for my money for it to just be locked in an app, with no human rep to speak to about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have asked them to cease and desist from calling me or writing to me and I am still getting letters and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 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 XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.

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 2023-06-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX  XXXX has stated in a documented letter of their inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C.! 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My daughter had a medical crisis a couple moths ago and it has caused us financial hardship. I tried communicating and working with this credit card company, Aspire and they refused to work with me on anything. And now I have recieved a threatening email about paying the bill. I have emailed them again before this email they sent me and they chose to ignore it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
M & T Bank is imposing a charge of {$420.00} due to their merge with Peoples United Bank. 
as customer I am not responsible how to run their business. I did not have any loan modification nor have signed anything. 

" We are the successor by merger with Peoples United Bank ( PUB ) effective XX/XX/2022 ''. it's very clear their predatory business practices.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.

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 2020-02-11
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a debt that showed up on my credit report that was not mine from 2014. It was from Citibank/Best Buy. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a Citibank debt but was inherited when Citibank bought Best Buys credit 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: SF VAGO, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got used car auto loan from Statefarm on XX/XX/XXXX of XXXX and I have been paying on time via auto payment and all of sudden they transferredmy loan to another entity name called XXXX XXXX and it turned out to be same company of Statefarm but they changed a different name of company on XXXX I don't know which month they changed because I was out of country at that time and when I came back to the state, I noticed that there was past due 30 days marked on my credit report and I called them and explainedmy situation and they said they sent a letter to my home but I haven't received any letter from them and I didn't receive any email or phone call include text message from them while I was out of country and I told them that I haven't received any notification and this is not fair because I never changed my contact information and my auto debit bank account but they said it's a different company so they don't have any control so they were not be able to help me on this case. After that, I logged into the Statefarm account and it's about the same platform and I did make a payment through the system. Basically same Statefarm but they did change a company or I don't really know what happened and what was the intention of doing this but this is totally unfair because I haven't received any notification of this and everything is the same never changed on my end and they did post 30 days past due on my credit without saying anything to me. Totally unfair behavior and not acceptable in this matter. That's the reason why I am reporting to you on this matter. The loan is paid off now because I don't want to use service from them but that 30 days past due mark still remains on my credit report so I would like to ask you to help me in this case. I never have missed any payment in my life including Credit cards and Loan entire my life. Please help!

Company response to consumer: Closed with explanation