BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Commonwealth Financial Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFSI is attempting to collect a debt with an amount that can not be confirmed with the originator of the debt with a service date of XX/XX/XXXX. I reached out to my insurance at the time for this service and they were billed for a hospital bill in XXXX. The total of the bill was {$510.00} dollars. My portion was {$18.00} which I paid. Regardless this debt is time barred according to WA state law RCW XXXX stating that debts are only collectable for 6 years. It reached the 6 years in XX/XX/XXXX. It is illegal to attempt to collect this debt in WA state according to law and case precedence. When I reached out to XXXX  XXXX the folks CFSI said they were collecting on behalf of they even stated the debt was time barred even if it were accurate and true. 

I would ask they remove it from my credit immediately. In addition this company lied to me on a recorded call stating that they spoke to me XX/XX/XXXX from a previous complaint I filed with CFBP ID XXXX in their response.They never spoke to me as they stated on the recorded call they didn't have my account in XXXX as a manager stated on the recorded call. When I asked for their debt liscese number they also refused to give it to me on the call and referred me to their website instead. 

They are using misleading practices to attempt to renew the statute of limitations of this debt which is illegal. I purchased a home in XXXX and XXXX and have monitored my credit very closely. It is very strange that a debt over 6 years old has now come up in collections. In addition I have never received any other information from this company. I reached out to them when I received notification form My Fico. The information they providing is false. The recorded conversation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AL
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 XXXX/XXXX  Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX/XXXX  Account # 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 a account without my written instructions

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 2022-02-07
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I noticed around the XXXX of XXXX that my savings account was blocked on the Citi Bank XXXX I originally got that account due to the attractive miles option and deposited cash into it at a XXXX XXXX XXXX. I called a number of times to have the account unblocked. But they said the account is referred for closure, they cant tell me anything and I will receive the funds after XXXX days. My money is essentially frozen for XXXX days with no explanation. And I will not get the initial miles Id hoped for.

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 2022-02-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have new & updated information on XXXX, EXPERIAN, and XXXX. Someone is using my identity to furnish items on my behalf. XXXX, EXPERIAN XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, EXPERIAN received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX XXXX XXXX and EXPERIAN Them= XXXX, XXXX, and EXPERIAN

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 2021-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I have tried to transfer money through XXXX XXXX to help people in need in the XXXX. The transfer did not go through for no reason and a refund has not been completed yet. XXXX XXXX claims that the funds were returned to Chase and Chase claims that they have never received any refunds. I have been on the phone for over 10 hours with both financial institutions. I have emailed, faxed, called, XXXX to solve the issue with no luck. 

XXXX XXXX claims that they have refunded the funds to Chase and Chase claims they have not received the funds. Thus, the funds have been disappeared. 

Transaction date : XX/XX/2020 Amount : {$300.00} XXXX XXXX transaction Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: PA
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:
My mortgage was sold by XXXX on XX/XX/19 to a company called XXXX. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. XXXX has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. XXXX is on the same track. This place is horrible. 

I can prove my on time payments through my bank 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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my Capital One credit card from my Capital One checking account. The payment was for {$68.00} on XX/XX/. On XXXX I was surprised to notice that my credit card had a past-due fee of {$40.00} posted on XXXX  On XX/XX/ the online ACH Payment was returned. I do not understand how it was returned when the money was in the account. Also, there has never been a time that Capital One did not retry another time if a payment did not go through. Instead, they just charged me a late fee and didn't take the money that was in the account. 

I did not contact Capital One because they only allow calls. They do not allow email or chat. I have no way to protect myself from what the agent says. It becomes my word against the agents. I am not allowed by Capital One to audio record myself. 

I have attached proof of my Capital One account to show that my account had the funds. So I am unsure why the funds were not taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX payment was paid by my bank 's on line bill pay system. The mortgagor misapplied my payment to another account. The mortgagor says they never received it. I sent a copy of the front and back of the check proving payment. They are investigating. In the meatime, I've paid all subsequent mortgage payments. They reported that I'm past due when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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 XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Citizens Bank account of any kind. Citizens Bank is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. Citizens Bank does not have my consent to report any of my private information with any person or any company. Citizens Bank may only communicate with me in writing..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Each time I send in a dispute to Experian, I send a letter and a copy of my driver 's license, social security card, and utility bill to verify my identity. Experian will receive the dispute however they send me a response saying : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I have provided more than enough information to verify my identity multiple times. Experian is violating Federal Law by treating this as a frivolous dispute.

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 2022-07-08
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called XXXXXXXX XXXX XXXX has suddenly called me about a debt they claimed I owe from XXXX. I never took out a payday loan. I called EasyMoney but they said yes there was an application under my social security number under someone elses name but that money was never approved. I also called XXXX XXXX and other payday loan companies and none had any record of a {$300.00} loan and neither do I ; I never took out a loan. This debt collector will also not provide me with a letter. I feel they are trying to scam me by falsely claiming I owe money and threatening to sue me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX   XXXX states I have a zero balance. XXXX has a record of payment Not In Collections!!!! These dates and agencies Do Not Make Sense. Perhaps they have me confused with someone else. I do not owe XXXX XXXX any debt! They state my address is un-deliverable and I have been at that same address on file for 3 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
well I had a judgement placed against me XXXX 2016 for {$6100.00} .this includes no interests as stated in jdgement. XXXX I noticed I 've made 9 payments total {$1100.00} im looking and they still have my balance at XXXX after payment I made today XXXX/XXXX/2016, but my balance based on judgment should be {$5000.00} after my 9 payments difference of {$410.00} I called the law office of selip & Stylianou llp in XXXX ny. XXXX my account representative at ext XXXX says the difference is from interests im being charged he sys per NY state 9 % {$1.00} a day???? that 's crazy how can they charge interests on a judgment that did n't include interests??? Basically making payments im being unfairly robbed cause the account will never be paid off if they are charging me interest per day this is crazy and unfair s there something I can do???

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 2020-07-30
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2023-08-31
Company: EQUIFAX, INC.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other fee

Complaint:
We purchased an appliance at Lowes and we were told that our choice was 18 months interest free then after the 18 months interest would start being charged. Well after 18 months they charged us XXXX on bringing our balance up almost XXXX extra $!! That is NOT what we were told at purchase at ALL. This is FALSE and misleading business practices and we want this charge removed 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 2022-10-01
Company: TrueAccord Corp.
State: MA
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:
XX/XX/2022 Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXXXXXX XXXX ACCOUNT NUMBER XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. XXXX reports the account as in collection with a past due balance of {$500.00} as of XX/XX/2022. This isnt right and the loan should be deleted from my file like it was several months ago. 
Enclosed is a copy of the page ( s ) from my credit file that have the disputed debt. 
Please let me know if you have any questions. 
Sincerely, XXXX XXXX XXXX : True Accord : XXXX 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 2022-05-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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