BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Collector : National Enterprise Systems Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. 
( 2 ). Proof that you have the right to collect this debt in my state. 
( 3 ). Proof that your company carries a bond. 
( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 



While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation. 
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 2023-12-13
Company: DEBT 0, INC
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I hired this company in XXXX and started paying them on XX/XX/XXXX to reach an agreement with my credit cards. They promised that they would give me an answer in 2 months. I called in XXXX and they always said that they were in negotiations with the bank. They continued to charge in advance and on XX/XX/XXXX I contacted the bank and they told me that they had not communicated with them. On XX/XX/XXXX, I requested the cancellation of the program because my cards were out of payment for more than 6 months and one fell into XXXX. I myself started talking to the bank about my situation. This company supposedly began negotiating with the banks but I had already sent them my cancellation request and I have proof. They told me that since they had already spoken with the banks they could not return the money and they stole {$3700.00} from me. I made my payments from XX/XX/XXXX to XX/XX/XXXX. I received an email from this company where they say that they made negotiations with the banks, and they were no longer authorized to do so because I had canceled them, and the email said that they can not return the money to me because they did the work and it is a lie. They damaged my credit, stole from me, and acted without my authorization. I myself negotiated with the banks as soon as I canceled them!!!

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-02
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Collector : National Enterprise Systems Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report.

Thank you for your time and cooperation. 
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 2023-02-18
Company: Experian Information Solutions 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:
I have a fraudulent XXXX account appearing on my Experian credit report. I have previously had this fraudulent account removed with XXXX, at the current time I currently am a XXXX customer with the active account. This account is from XXXX for {$1800.00} and the original amount was {$1500.00}. They have the date open as XX/XX/XXXX and the account was fraudulent open in XX/XX/XXXX. I didnt give anyone permission to open this account and the address listed was incorrect and fraudulent as well. 

XXXX XXXX XXXX is housing a fraudulent account, which is affecting my personal credit, also affecting my business affairs. Attached is XXXX affidavit, proof of original police report in XXXX and FTC report. 

XXXX XXXX XXXX {$1800.00} 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 non-monetary relief
Consumer complaint received 2018-11-12
Company: Risecredit, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The debt collector for Rise has contacted my ex husband on several occasions inquiring my whereabouts and how they were going too send someone out to my residence too pock me up. I have not stayed with my ex husband for over 12 years and they tell him all the details concerning the loan such as the company it was borrowed from and the amount that was borrowed. He has told him on numerous occasions to stop calling him concerning me. His name is nowhere on the account and I dont appreciate them contacting him about my finances. The name of the collection is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to allow creditor ( XXXX ) to falsely and fraudulently report incorrect balance on my credit report. Even after submitting 7 disputes, proof such as Federal Tax documents, and supporting letters to correct this issue. 

Equifax, has corrected this issue in XXXX XXXX XXXX 
Now 2 years later this error has re appeared on my report. None of their organizational processes or persons has been helpful in resolving this simple issue! 

At this time Equifax is knowingly aiding fraudulent behavior and committing Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
AMEX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AMEX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am requesting all billing statements from the time the account was opened until it was closed for a home depot card that was recently closed by Citi around XXXX XXXX and a letter explaining why and when the account was closed.

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 2023-04-06
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX have all refused to provide a credit report online because it was my child under 13 was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute for a monthly transaction on my paypal extras mastercard that I didn't initially notice. PayPal Extras MasterCard is the product, XXXX XXXX is the servicer. 

I opened the dispute and ordered a new card. I was sent a new card but that card was blocked my PayPal shortly thereafter. So while I waited for this dispute to be resolved, I did not have access to my account, my statements, and received no bills. They made it EXTREMELY difficult to simply pay my bill. 

I have now been notified that the dispute has been resolved and the credit issued to my account, however, I STILL CAN NOT ACCESS MY ACCOUNT! This can not be legal. I also had late charges incurred due to these fraudulent charges and want to make sure those are no longer on my 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 2023-10-06
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On around XX/XX/2023, I contacted Rocket Mortgage with the interest of applying for a mortgage and specifically the NJ first time buyers Down Payment Assistance program. This program, I later found out, involves the loan being carried by the state and only underwritten by a banker. Rocket is not an approved lender for this program. 

I spoke with XXXX XXXX and asked him to research this program for me. He looked into it for several hours and then lied to me, making up some story about how the program has run out of funding for the year and that I should still apply with Rocket because they could try to find other ways to help and maybe the program would be started next fiscal year. 

It was only weeks later, once they had hard pulled our credit, that XXXX finally told me the reason Rocket doesnt partake in the program, after I had done more research on my own and caught his lie. 

He was totally ok lying directly to me and costing me {$15000.00} in down payment assistance to try to make commission. He knew the program wasnt going to be funded in a year, and was just hoping we would close before then. 

Not only that, but Rocket mortgage leadership continues to brush over and cover up the fact that their mortgage banker is lying to consumers and hindering the path to home ownership. They keep saying it was a miscommunication or that he didnt understand the request. I clearly asked about the NJ DPA program. There is only one. They take no ownership of the problem and have offered nothing to compensate for days of my time wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent letters dating back to XX/XX/XXXX. The agency has not responded to the matter. I have shown the agency has not followed its own standard and it's clear by me being able to point out missing, inconsistent, or even inaccurate information on each and every letter attached. The only thing the agency has done is refuse to look into the matter as well as try to stop the process by asking me for ID, which I attached with each and every letter since XX/XX/XXXX. Please notice that Experian doesn't even have my correct birth year. My birth year is XXXX but Experian has XXXX. This is clearly a high risk and has serious consequences.

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 2022-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citizens Bank is not honoring a student checking account agreement that does not permit overdraft. 

On XX/XX/21 Citizens Bank disbursed {$9000.00} from my son'sstudentchecking account, overdrawing his account by {$8800.00}. That money was not available in his account and should not have been disbursed. 

I have tried to address this issue directly with the bank. Citizens Bank has referred me to their mobile deposit agreement. Based onCitizens mobilebanking agreement, the no overdraft selection in my son 's student checking account agreement applies. 

The Mobile Deposit Service Agreement states, " Other agreements you have entered into with the Bank... ( collectively, the 'Account Agreements ' ) are incorporatedby reference. '' " Other agreements you have entered into with the Bank in connection with your Citizens Bank accounts and other services, including but not limited to, as applicable, the Personal Deposit Account Agreement ( including Arbitration Agreement ), Business Deposit Account Agreement, Funds Availability Disclosure, Consumer Privacy Notice, Online Privacy Policy, Fees and Features Guide, and Account Signature Card ( collectively, the " Account Agreements '' ) are incorporated by reference and made a part of this Agreement. '' https : //www.citizensbank.com/mobile-and-online-banking/service-agreement.aspx This issue stems entirely from the bank 's error. The bank should not have disbursed these funds based on the overdraft policy in effect on my son 's student checking account, incorporated into the mobile banking agreement. 

Citizens Bank is violating this agreement and in a highly unethical manner, looking for any way toto recoup the loss incurred by their error. They have taken {$8800.00} from my savings account to recoup their loss, and cover the overdraft fees -- proving that, yes- this is an overdraft. The bank has violated theterms of the account agreement by permitting this overdraft and should return the funds they have taken from my account. 

Happy to provide additional documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6
11.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: ALLY FINANCIAL INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a {$2000.00} money transfer to a friend through my bank 's XXXX system. It said they couldn't send it, and I was told to call them to resolve the issue. I called them and after answering all of their many questions to authenticate me, they asked me to provide them with a cell phone number so they could send me a text message. I have no cell phone, and providing them with a cell phone number if I had one makes no sense because that wouldn't be secure since they wouldn't be using a number already associated with my account. Because I couldn't provide them with a cell phone number, they claimed this made it so they couldn't authenticate me, and they told me they were freezing my account and that I would have to call back in a few days ( what would that accomplish? ). Because of this, in-flight checks I had made bounced and I could no longer use my debit card. All of my money was cut off from me. 

A few days later they emailed me telling me to call them, so I did. They asked me questions such as what was the money for and other infuriating questions. I told them I started the transfer, that I authorize the transfer, that it's my money, and that my friend needs it so I'm trying to send him it. They told me they'd continue investigating, and my account continued to be frozen. 

A few days later, they emailed me again telling me to call them again, so I did. They asked me even more questions, this time revealing the actual reason for all of it which was that because I was logged into their website from XXXX, they froze the transaction. I fully understand temporarily doing this from a security perspective to safeguard my own money and to make sure no one is trying to steal it, but when I call them and confirm with them that it's okay and that I authorized it and want the transaction to proceed, and they refuse to listen to me even after fully authenticating with them and answering a million security questions with them, that is crossing the line. They're holding my own money XXXX with no way to get access to it now and they have no physical branch locations for me to go to. This is a very authoritarian move. If this kind of behavior has been sanctioned by the U.S. government by law, whether this is the Patriot Act or other such unconstitutional laws, it should be struck down.

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