BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: Millennium Credit Consultants Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Millennium Credit Consultants is the debt collection agency for XXXX. I am a victim of identity theft and someone stole my personal information and identity to open up a XXXX checking account. The XXXX checking account is unauthorized, fraudulent and do not belong to me. Millennium Credit Consultants debt collectors has called me repeatedly requesting payment for a debt owed for {$1600.00}. I do not owe the debt to Millennium Credit Consultants. Debt collectors from Millennium Credit Consultants has called me repeatedly and harrassed, verbally abused, sweared at and threaten me with arrest, harm, death and wage garnishment. Millennium Credit Consultants is in violation of Minnesota Debt Collectors State Laws and The Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I RECEIVED A CALL FROM XXXX XXXX XXXX XXXX ( XXXX ) ON BEHALF OF FIFTH THIRD BANK REGARDING DEBT WELL OVER 10 YEARS OLD.THE CASE MANAGERS WERE RUDE, ARGUMENTATIVE, INSULITING, AND USED A BULLYING TACT TO TRY AND GET WHAT THEY WANTED. I WAS TOLD GET A JOB AND PAY YOUR BILLS ; I WAS ASKED DO YOU EVEN KNOW HOW TO SPELL COMMUNICATIONS? I WAS TOLD WERE GOING TO CONTACT YOUR EMPLOYER! MY KIDS AND THIER SCHOOLING WAS ALSO MADE FUN OF! I HAVE RECORDED THESE CALLS. FEDERAL LAW HAS BEEN VIOLATED, MY HUMAN RIGHTS HAVE BEEN VIOLATED, THIS IS A FORM OF HARASSMENT AND BULLYING AND I WONT TOLERATE IT. FIFTH THIRD BANK SOLD MY DEBT TO A COLLECTION AGECNY THAT HAS MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH THIS IS UNACCEPTABLE AND A VIOLATION OF MY RIGHTS! THEY EVEN WENT THE EXTRA MILE TO SPELL OUT PAY YOUR BILLS! I DEMAND JUSTICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Professional Collectors Corp.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I sent a validation of letter to Professional Collectors. I did not receive a response. 

Professional Collectors have been adding fees and/or interest to my medical report. On XX/XX/2023, the amount was {$23000.00}. On XX/XX/2023, the new amount was {$24000.00}. 

Professional Collectors should not be collecting any interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Continental Finance Company, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ive been having issues my credit card since XX/XX/XXXX. Ive called them on several occasions trying to get this matter straight. Ive disputed charges on this card and received a new card. I called them on XXXX XXXX because I had no statement. I received my statement 2 days later via email, my balance was {$170.00}. I paid {$170.00} on XX/XX/XXXX now they say I owe them {$8.00} interest charge. I dont understand how and why.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: IL
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:
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 has violated my 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 an 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. 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 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
During tax season refund time for XXXX so XX/XX/XXXX After I had reported that my account was taken over by an employee of BOA / in person at the bank My account went into risk closure. Well they illegally kept it open for deposits when seeing my tax return Magically during risk closure and them aware I had no control or access to online banking THEY ALLOWED TWO TRANSACTIONS OF XXXX to post as a credit and knowing there is no transaction to match those! 

I have reported this to XXXX XXXX in Michigan the attorney general and the IRS IS STILL WAITING IN A RESPONSE FROM THE BANK SINCE XXXX Boa ILLEGALLY WITHHELD MY STIMULUS CHECK OF XXXX and did not grant any sort of access INFACT when I couldnt withdraw and they violated federal law they then waited 30 days to RETURN THE CREDIT CARD PAYMENTS I MADE AND DESTROYED MY CREDIT THEY ALSO ARE WRITING OFF THE NEGATIVE BALANCE UTILIZING FEDERAL FRAUD BECAUSE THAT IS NOT OKAY I AM NOT RESPONSIBLE FOR THEIR MISTAKE OR EMPLOYEE THEFT YOU SEE ONLY THE DEPT AT BOA IS CAPABLE OF DOING SUCH IN THE MIDDLE OF RISK CLOSURE THEY KEPT MY XXXX tax return XXXX ish and the XXXX stimulus They do not care they had been reported to many officials and DO NOT RESPOND I HAVE BEEN REQUESTED THIS FOLLOWING AMOUNT BACK XXXX I deposited into the atm to make it positive and that Was not a balance I was legally entitled to pay because of the theft reported they were aware I had no access to mobile banking and they have all calls records and I have all the records showing the amount of their fraudsters claims in the middle of. Risk closure. 


I have filed for two years. It is not okay. 

I AM REQUESTING THE XXXX I paid to make positive when they did not give me my tax refund they took it from me for a balance on their fraud claim they authorized During my issue and they were aware in person and via phone XXXX I put into atm XXXX stimulus I can provide documents that they did not provide me any access and return the bill pay I did attempt to use that on And I want my XXXX $ XXXX tax return deposited into this BOA due to them being aware that was coming and leaving it for deposit once I informed her of my return being sent to my bank I want this money issued within 15 days as they failed to respond as it is not okay

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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. 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 non-monetary relief
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have student loans that were in default as far back as XXXX with XXXX XXXX. In XXXX I was made aware of the consolidation option through Navient which I completed in XXXX, XXXX. In XXXX I contacted XXXX XXXX to discuss the old loans on my credit report ( at least 9 years old ) and was told my information was with Navient. Upon contacting Navient I was told there was nothing they could do because they do n't have my files and I needed to contact XXXX XXXX. Long story short I was given the run around for several months and finally got through to someone at Navient that explained to me that they DO have my records but could n't do anything concerning how they are reported to the credit bureaus. I basically gave up because I was tired of the run around and to this day ( almost 11 years after some of the loans ) they are still on my credit report. I was also told that my application for income based repayment was n't complete because of a missing 1040 form. I contacted Navient and they told me the IRS site was " broken '' and that 's why it was n't imported. My payments are set to go up to $ XXXX beginning XXXX. Hopefully I can get the info one of the other ways they described in time to get my payments reduced because I do n't have $ XXXX to pay Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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 an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion file number : XXXX Date : XX/XX/2021 has XXXX XXXX showing a balance and there is no balance owed to 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  XXXX Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against XXXX, TransUnion, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.

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 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I came to learned of 3 Bank Of America account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number : XXXX to show that my complaint was logged this time. I was also told that they will contact me within 7 business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person ( s ) who committed the fraud but Bank of America made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX and TransUnion XXXX : Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account in XXXX with an account opening bonus of {$200.00}. The terms of this bonus would be to deposit and hold {$10000.00} for a specified amount of time. The bonus should have been paid out by XX/XX/XXXX, but it has not been received. The account bonus code is XXXX. I have followed up numerous times with Citibank in regards to this but have not gotten a response back.

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