BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from RPM ( Receivables Performance Management LLC ) today on XX/XX/2018, in an attempt to collect a supposed debt to XXXX for {$320.00}. 
The letter states if you do not notify their office within 30 days they will assume this is a valid debt. I called them immediately upon receipt of the letter, XX/XX/2018, and was told I can not dispute it. The woman I spoke to threatened that they can take legal action, told me I can not dispute, and proceeded to hang up on me. I do not owe XXXX any money. The XXXX account in question that I previously had for several years was in good standing and was paid off, which is how I was able to get my pin number from XXXX in order to go to a new company. Nothing was left owed to 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 2023-03-12
Company: EQUIFAX, INC.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around last fall, 5/3 Bank closed both my sons minor checking & savings accounts w/out notice to myself, his mother who was also on the account. Claiming due to fraudulent activity, it was not him! Unfortunately it was a scammer. I, as a parent being on the accounts also shouldve been alerted & notified of any suspected fraud! He hadnt used the accounts in awhile, & we only recently found out due to him trying to set up direct deposit for a newly acquired job. Now he can not open another account, at any other banking institution because they have flagged his information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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:
Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.

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 2022-08-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a collection agency trying to collect on an old debt. 5plus maybe 6 years old. I get continues calls to my business line and they have even sent a person to give me paperwork stating they are suing me in court. I have signed nothing or admitted to owing this money to this company. They bought a bad debt and are now pressuring me to pay it. They report it on my credit multiple times a month every month harassing me and using the reporting to the Credit bureaus to district me by distorting my credit. By them doing this it has made my life very difficult and has affected me financially. I believe the statue of limitations in the state of XXXX for credit card debt is 4 years, correct me if Im wrong but they do need to move past me and stop reporting multiple times a month to the credit bureaus in turn Destroying my credit. The above mentioned company is law offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XXXX ) XXXX please let them know they need to stop reporting on my credit report or I will be suing them for distorting my credit making my life difficult and pursuing this illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Costco Visa card with Citibank. On XX/XX/XXXX  I was in XXXX XXXX when my card declined for my rental car deposit. This did not make sense, as I had paid off my card earlier in the month and should have had plenty of credit to cover the charge. 

I called Citibank and was told that my credit limit had been lowered that morning due to " derogatory information on my credit report ''. ( No notice of this change was sent to me until the following day, XX/XX/XXXX, via email. ) When I insisted that no negative entries existed on my credit report, I was told that I had late payments and to contact XXXX. 

Upon returning, I contacted XXXX on XX/XX/XXXX and obtained the credit report attached. The XXXX representative ( and a supervisor I spoke to ) stated that there were no late or missed payments on my credit report, nor any other derogatory information of any sort. This was also confirmed by the copy of my XXXX report I downloaded that day ( attached ). My XXXX XXXX  score with XXXX was XXXX on that day ( currently XXXX ). 

I then called Citibank and spoke to a representative and then a supervisor. I explained the situation, and was told that I would have to dispute any wrong information with XXXX. However, there was no incorrect information showing on my XXXX report, so there was nothing I could dispute with the credit bureau. I also pulled up Citi 's XXXX score page on my Visa account, and it showed that the XXXX score they were using was XXXX ( currently XXXX ) and that my score was reduced due to late or missed payments ( attached ). The supervisor I spoke to ( XXXX, employee ID XXXX ) stated that he would submit a review request to the Citibank credit department to investigate the discrepancy. 

As of today, XX/XX/XXXX, I had not gotten any response from Citi on this review, so I again called and spoke to a supervisor ( XXXX, employee ID XXXX ). XXXX stated that a review had been done and nothing had changed. When I asked why the Citi XXXX score page states that my score is reduced due to late or missed payments that XXXX does not show, XXXX said that I would have to dispute the information with XXXX. ( However, as stated, I can not dispute information that does not exist at XXXX. ) XXXX stated that Citi would not provide me any further information about where this derogatory information currently exists. Therefore, I am requesting that CFPB require Citibank to explain where they are obtaining erroneous information on " late or missed payments '' on 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 non-monetary relief
Consumer complaint received 2021-05-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year I lost my job and bank offer me forbearance program for 3 months and extended by other 3 months, I paid 3 months and only I used program for 3 months, couple times I requested for 12 months forbearance but bank sold my loan to the investors and they dont accept, I have hardship by last 2 weeks I got unemployment income now start working but I dont have enough income to pay my mortgage just barrows from credit card to pay my mortgage I dont know what to do not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, 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 2023-06-27
Company: EQUIFAX, INC.
State: AL
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 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from my report. XXXX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

EXPERIAN : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove this incorrect address from 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: One Source Technology
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company " One Source Technology, LLC '' dba " Asurint '' ( Asurint ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by Asurint to pay fee using an email online form or Asurint 's legal team would file a claim against Client. Client responded with completed authorization form within due time. Asurint did not process the payment. Rather, after 1 month of not responding, Asurint filed a claim from their legal team to collect more funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: SC
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:
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that its a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 

I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX XXXX, local time at the consumers location ; ) Which means that if I told them it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA privacy and confidentiality under 15 USC 1681 XXXX Cred : XXXX, Rec XXXX XXXX XXXX XXXX, Rec XXXX XXXX XXXX XXXX, Rec XXXX XXXX XXXX XXXX XXXX Rec XXXX XXXX : XXXX XXXX XXXX : XXXX, Onemain : XXXX, MidlandCRE : XXXX, XXXX XXXX : XXXX, Security : XXXX XXXX Signature : XXXX, Dept of Ed/Aidvantage : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX Frontline : XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 then 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 2022-12-20
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX : {$110.00}

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-07-26
Company: EQUIFAX, INC.
State: PA
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:
XXXX : reporting my name, employer and several phone numbers incorrectly. My name shows as XXXX XXXX XXXX and it should only report as XXXX XXXX. Also, you are reporting several phone numbers that I have never owned and they do not belong to me. Please remove the following phone numbers from your report. Also, please remove the employer XXXX XXXXXXXX XXXX XXXX my employer is XXXX. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX EQUIFAX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove this incorrect address from my report. EQUIFAX is reporting Employer as XXXX XXXX They are not my employer XXXX is my employer. Please update my employer to say XXXX. 

XXXX : is reporting an address as former that does not belong to me listed as XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. Please remove this incorrect address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXXXXXX and Fay Servicing, XXXX XXXX XXXX.. I caught XXXX and lost my job ..I was in a forebearce agreement with the loan services ..Both continued to charge late fees and finance fees during the time of forebearence. I lost my home and property at foreclosure sale XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel the above companies have taken my home illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I hope all is well. I am reaching out today because I am having unnecessary trouble with a hotel authorization on my account. Yesterday the hotel emailed me the authorization release form. This {$150.00} has been pending on cash app as a authorization hold, because Cash App wont release it. I checked out of the hotel XXXX  days ago. Every support agent just sends me the same prompt regardless of how many legal documents I have stating the hotel no longer has this hold on my account. I am not sure what to as this is my hard earned money I cant get back thats just floating in a pending state. Are you able to assist me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I was a costumer at Bank of America and as most people these days, I relied on Apple Pay since I switch purses often. Ive never misplaced my card for more than a day and or have never had anyone take funds from my account while using XXXX XXXX on my phone. This one time there was a check deposited in XXXX XXXX California and at the time I was in XXXX XXXX. I had work that entire week and even made purchases for lunch on my breaks. The check was deposited fraudulently without my knowledge and was done at an atm in another state which I was not in at the time. The bank investigated amd determined NOTHING. I never got a clear answer as to what steps were being taken and if it was my fault. They just closed my account and never investigated.

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