BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Aldous & Associates, PLLC
State: NY
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:
I called XXXX XXXX to understand why I had to pay debt to debt collector. 

I had ended the memebership IN PERSON in XXXX of 2022, and had moved out of state and even changed my card, but the membership kept charging me! 

I had now accrued over XXXX dollars in debt. there is NO place to cancel the membership ONLINE, over the phone with the gym or the billing ( third-party ) system that they use, and no I had received a few emaisl from the law firm Aldous and Associates that they are trying to collect debt with the amount listed and go after my credit. 

I had attempted to cancel nearly XXXX times called and no one could point me in a direction. not to support, not to billing that can cancel memebrship, not online or over the phone, and it was physically impossible to cancel in person. I called the law firm and they couldnt even give me a receipt and now I realize I want all the money back becuase I find that this is a scam! 

It has been nearly impossible to cancel my debt with this stupid gym and do not want it to affect my credit! I want to sue the gym for going after me wrongfully when I had been able to cancel a year ago, and to get all the funds that they had wrongly charged me for, and even gotten a law firm involved. 

XXXX XXXX XXXX Even the employee I had talked to over the phone said " to be honest, this whole place is going down the drain .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: TX
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:
XXXX had deleted my negative accounts as they see the violations under FCRA. Equifax and XXXX are still posting the negative accounts. I am requesting that Equifax and XXXX remove the negative accounts NOW as XXXX saw the violations and had them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, 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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a US born XXXX yr old XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have had CapitalOne accounts for XXXX YEARS! I went to the local branch via {$24.00} car Service XXXX I had an appointment at XXXX with XXXX XXXX-who did show up that DAY or cancel! None of the staff XXXX? XXXX XXXX ( From XXXX ) had a card or name tag! They refused to cash my {$200.00} Cap One360 check ( Balance over $ XXXX ) or sell me a {$5000.00} XXXX I had NINE+ IDs! Driver license, Medicare & Soc Sec ATM & CapOne Credit Cards, I had a XXXX XXXX  Senior Photo ID and XXXX XXXX Card! Due to Covid Protocols & Health concerns the Passport & Driver license were expired! All other IDs were valid & had the name I have had since birth in XXXX XXXX in XXXX To make the nightmare worse XXXX, the mumbling rude teller refused to cash a XXXX check for {$200.00} or sell me a roll of Quarters for a {$10.00} bill. To put a rotten Cherry on the experience my current valid ATM card issued by the XXXX Dept, was rejected by the ATM IN THE BANK as " Not AUTHORIZED!! XXXX XXXX had no clue! ( My PIN was correct! & the card was un-damaged! & Pristene! Twenty 25 subsequent calls to the Branch & XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX etc have not gotten me an apology, refund of my XXXX  ATM fee or the email of XXXX XXXX XXXX or XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Kriya Capital, LLC
State: TX
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:
I repeatedly am seeing updates on my XXXX and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a Credence Resource Manage allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I reported a transaction with XXXX where I purchased in XX/XX/2021. Because I got Covid and was involved in a vehicle accident and in the hospital for 43 days, I could only try on and subsequently send the merchandise back to the retailer in late XX/XX/2021. The merchandise did not fit because of my hospitalization I became a different size. I purchased online and returned the items thru UPS. The retailer received the items and never credited my account. I gave them 60 days and called several times about this situation. I couldnt get any help because the store said they received the items but they werent scanned for some reason which is why I wasnt refunded. Shortly before 60 days I called and reported this situation to my bank. I requested a full refund for {$1400.00}. 

Chase Bank issued a credit in the amount above and proceeded with an investigation. Yesterday they decided to reverse the temporary credit of XXXX. Prior to taking this money back they offered me no explanation or relevant documentation about why they think this charge is valid. I need my money back. I have a good record with the bank and I dont have problems such as this before. I am attaching three pictures of the items I bought and of the company XXXX acknowledging the return and the pictures also show I was not credited for the returned items. So at the moment Im out of both cash and the items I purchased. A double loss. Its now the banks job to help me. I followed all rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
n 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. Account name : CAINE & WEINER # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received emails from my bank, Wells Fargo on XX/XX/XXXX and XXXX each stating that my replacement debit cards were being mailed out. These emails stated the card were expiring but only one was due to expire in XXXX. I called concerned because when i established my bank accounts with them years ago, the banker opened 4 more accounts without my authorization, which I closed immediately. However, I continue to have issues over the years. 
My new debit card came and attached letter stated this card replaces card number ending in XXXX. I do not have a card ending in this number. I called again on XX/XX/XXXX and the rep I talked to researched my concerns and after long holds, she informed me that these debit cards were in fact associated to those other accounts that were closed and supposed to be deleted from my profile. But now the debit cards are somehow associated to my open checking accounts. She stated to not activate and cut these cards up. She also gave me case # and said someone will be handling on an escalated investigation as to why these debit cards from those accounts are still being replaced by ATM services and how they are associated to my open checking accounts. 
When I called XX/XX/XXXX to find out why I have not heard from a case manager, the rep in the Executive Office simply stated she sees nothing associated to any " closed accounts '' and these were my debit cards being replaced because mine were supposedly compromised so they " took security measures to replace ''. I explained to her my previous conversation with the rep on XX/XX/XXXX and she said she doesnt know how she saw that. She said you can go ahead and activate or not activate the cards. I explained that I am extremely upset and thishas occurred before with these accounts that were open without my knowledge and that they are obviously not closed out properly if I am still getting debit card replacements for these. I also dont understand why the debit cards are tied to my checking and savings accounts now that are active.

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 monetary relief
Consumer complaint received 2023-03-14
Company: Harris & Harris, Ltd.
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:
Harris & Harris debt collection agency located in XXXX and XXXX XXXX have been constantly blowing up my phone since XX/XX/2022 about a debt that they provided me no information on to verify or dispute. They did not even attempt to give me a written notice I could respond to and tell them to stop calling me. They constantly gave me missed calls during work hours without providing information or informing me of my rights and from multiple different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: VA
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:
For the XXXX time, my name is XXXX XXXX and not XXXX XXXX XXXX! 

I want the information on my credit report to reflect MY CORRECT NAME. Ive provided you with a drivers license and social security card that says XXXX XXXX and STILL this has not been changed. 

This is the last complaint I make about this issue, the next step is court so that a judge can tell you what Ive been telling you for the past 4 years. MY NAME IS XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: MI
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Cascade CISS Holdings, LLC
State: NV
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:
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Credit plus did a hard pull on my credit report. Continues to do a hard pull without my knowledge or permission.on a monthly basis. 
XX/XX/XXXX XXXX XXXX did a hard pull without my knowledge or permission. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Xactus did a hard pull without my knowledge or permission. on a monthly basis. 
XX/XX/XXXX CIC Mortgage Credit did a hard pull without my knowledge or permission. 

I have given two companies permission to pull my credit. XXXX XXXX and XXXX XXXX XXXX XXXX as I was in process of buying a house when my score dropped XXXX points due to this and I was no longer able to carry out the purchase of a home. 

In addition to this my ex husband has been allowing his wife to use my name on medical bills and to sign my name again with out my permission or knowledge. I am getting medcial bills of his and they are counting against my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a dispute to IDEAL COLLECTION SERVICES regarding account XXXX to removed and delete account XXXX because it was Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
i have contacted XXXX, XXXX and TransUnion about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES

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 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX has reported on my Trans Union report on (XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called XXXX and they told me that if I paid the account that they would remove it from my credit report. They told me it was 72 hours to process and 45 days to remove from my credit file. SO i did my part and I called the collections agency and paid said account. Here it is XX/XX/XXXX and it is still on my credit file showing a XXXX balance, nonetheless still on my report. I was told this was going to be removed. So i went ahead and called the credit collections company Enhanced Recovery Company XXXX and they told me to call XXXX. So i hung up called XXXX, they bounced me everywhere including the fraud department. I finally spoke with a person who told me to get back with the collection company and they are the ones that wll remove. I called ERC and they told me to contact XXXX that they have a contract with them and cant remove the collections from my credit file. I feel like a ping pong ball i lived up to my end I paid it they said they would remove it ... XXXX nothing has been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/ I was notified of a collection on my credit report from XXXX, stating Credence Resource Management LLC has flagged my account for collection. I'm unaware of this issue and it is not my debt. Therefore, I sent out debt validation letters ( certified mail ) to XXXX and XXXX to verify this alleged debt because I don't have any information on this company, nor do I have information on who the creditor is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
State: CO
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:
Hello! 

I'm trying to resolve a set of disputed charges on my Citi card. On XX/XX/XXXX, a set of fraudulent charges from XXXX appeared on my statement. I've attached a list of the related transactions. The sum of charges and refunds adds up to {$150.00}, not {$0.00} as it should. 

Citi noticed the suspicious activity, called me to confirm I didn't purchase anything from XXXX, then credited my account with three security credits matching the original charges. 

Simultaneously, XXXX issued partial refunds of {$200.00} and {$200.00} to my account. On XX/XX/XXXX, Citi concluded the investigation and attempted to reverse the XXXX refunds, leaving the SECURITY CREDIT ones. Unfortunately, the refunds were for {$350.00} and {$230.00}, which didn't match the original XXXX credits issued to my account. 

After the full set of charges and chargebacks, I'm still owed {$150.00}. 

I've tried getting in touch with Citi repeatedly since XXXX. I've made a half dozen phone calls to their fraud department and used the online chat to try and resolve things. I still don't have the refund I'm owed. 

Couple other notes. It's been hard to track down the transactions since Citi migrated transaction history to the new card number and purged the old one from the web dashboard I can see. Also, all of the transactions were dated to XX/XX/XXXX, but the security credits posted on XX/XX/XXXX, and the final XXXX charges posted on XX/XX/XXXX. 

Thank you very much.

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 monetary relief