BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
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:
For two months ( starting XX/XX/XXXX ) I have had a company titled XXXX XXXX XXXX call 2 to 5 times a day. Once I finally spoke with a representative, he informed me that I would be sued for a Citibank credit card collection from 7+ years ago. He would not provide me with any account information, aggressively claimed I was rude for asking about account details, and would not provide the lawyer 's name. The phone number for this company is ( XXXX ) XXXX, but I can not find any business information on them. 

Now today ( XXXX XXXX, XXXX ), I was contacted by XXXX XXXX, XXXX XXXX identified it as a mediation to determine my address for service of court documents. When I inquired on the account information, he provided that I owed {$660.00} to XXXX XXXX, but XXXX XXXX is suing for {$3800.00}. He also claimed that this was 378 % of the amount owed ; which the math does n't work out {$660.00} x XXXX = {$2500.00} ... so legal fees are {$1300.00}? He was willing to provide a mailing address : XXXX XXXX XXXX, XXXX, NJ XXXX and the phone is ( XXXX ) XXXX. 

This Citibank account has been off my credit for years, but I am concerned that this is a scam. I have not received any written communication regarding this Citibank account. While both phone numbers are in California, I can not locate any business information on either. Nor can I locate XXXX XXXX. When I inquired about that company, I was told by XXXX XXXX that I had to do the foot work on it.

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 2022-12-15
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a phone call from a employee to this loan company threaten to take me to court for payments that I am due which are two payments behind. I stated I would make a payment this month, she stated, did you hear what I said, a payment now are I am taking you to court. I am having finical issues due to inflation, I was a victim of being attacked by another loan manager at a nother company and the company is being sued by my attorney XXXX XXXX at XXXX XXXX XXXX XXXX, I am XXXX  by the incident, I am under my XXXX XXXX XXXX XXXX, plus on medication from the incident. This is not my first loan with this company, they just renewed my loan. I have renewed my loan twice with them already, they called me to come in for additional monies. There is a lot of turnover, in this company, employee wearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in knowing what's going on with your business, and she also stated they do not consolidate, because I explained to them a company I have been dealing with for sometime is willing to consolidate my loans into one payment to help me with this finical crisis. My mom is in XXXX XXXX XXXX, and living in her last stages of life. I don't need this foolishness from these employees who are unprofessional and so rude I will not be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX XXXX {$50.00}, they processed my personal check # XXXX for {$50.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 
I owed XXXX XXXX XXXX {$110.00}, they processed my personal check # XXXX for {$110.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 

I have proof of payment for both checks. 

I have sent both companies through email on XXXX/XXXX/XXXX the processed checks front and back. XXXXXXXXXXXX and XXXXXXXXXXXX. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX about the clarification of these accounts being paid and reported to Rash & Curtis & Associates. I told her that both accounts showed an open status with Rash Curtis & Associates. She told me that the account from XXXX was paid and cleared with Rash, I requested a zero balance statement and she submitted my request letting me know it would take 7-10 business days to receive my statement. She told me I would also receive from Rash Curtis & Associates a letter stating my account was paid. She confirmed with me that they received my email. She told me the account from XXXX would require a supervisor to look into that account because it was placed in the deleted files. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up with the XXXX account and she told me they were still looking into it. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up on both accounts and he told me they requested me a zero balance statement be sent to me on XXXX/XXXX/XXXX. I told him I did not receive it. He told me he would request it again and it would take 7-10 business days. I told him I needed it now and that his company was causing me financial hardship and violating my consumer rights. I asked to speak to a manager and was transferred to a voicemail. 

I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN XXXX HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-21
Company: Convergent Resources, Inc.
State: TX
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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2018-07-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed me accounts by sending me a letter, telling me they wanted to end their relationship with me and was closing my accounts. 
The letter said they would mail me funds in 1o business days. They did not do that. It has been over 30 days. When I call they give me NO reason for the closure and tell me the account is under review and investigation. However, I owe the bank nothing and they are holding {$35000.00} of mine without giving me any reason why their still holding my funds accept their still under review. This is totally unfair and not reasonable that they can just keep my money when there is no court order or legal authority that has put a hold on my funds. XXXX XXXX and XXXX XXXX told me they are holding my funds fo review, But is has been more than a resonable amount of time for this review and when I all XXXX with Chase Executive she tell me nothing when I ask repeatedly, " why are they holding my funds '' " what are they investigating '' She tells me she does not have a reason. this is crazy. I have no debt and never had any defaults with this bank and owe them nothing. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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:
I filed previous complaints against Equifax number XXXX and number XXXX. Equifax closed my complaints and refused to comply with my demands. The fraudulent and unauthorized inquiries are as follows : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXEQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About a year ago I noticed my principle balance on my loan increased. Ocwen loan servicing added roughly 4800.00 dollars to my principal balance. I called them and questioned why. They could not give me a reason why. The next day I noticed they reversed the charge. They reapplied the money back to my account. This made me really suspicious. So I requested statements the statements never had the information showing the mistake or fraud. I called multiple times in most cases I always had to talk to someone else. My account representative was never available. After multiple complaints I was given a new account representative. Even though I set up appointments with her she wouldnt always call me back. She never did give me an explanation why they added this money to my account. After months of trying to figure out why I got burned out and gave up. 
Well today I was looking back at my statements online. Ive noticed once again money being added to the principle balance. 
I havent taken any loans out or refinanced. I missed some payments years ago but Ive paid everything back through my bankruptcy. I dont understand how they can increase the principle balance on my loan. Am I miss interpreting the statements? 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
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:
as of XX/XX/ i have notice fraud accounts and inquiries on my credit report account name : XXXX XXXX account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
as of XX/XX/ i have notice fraud accounts and inquiries on my credit report account name : XXXX XXXX account # XXXX account type : credit card date XXXX credit limit : XXXX high credit limit : XXXX $ last date XXXX incomplete account number this is grounds for removal of fraud account " fair cares act ''

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 2021-11-30
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is inaccurate it was a balance transfer. They promised me zero percent for 18 months they started charging interest after 6 month. I tried to dispute the amounts that where charged and incomplete. This was with penfed credit union now this company XXXX XXXX is taking me to court. I have never had any agreement with this company and now they are in the process of taking me to court. They have no right into this because the account agreement was between me and penfed and there offer was 18 months not six.

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 2023-08-22
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:
TranUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you

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 2021-04-08
Company: BANK OF THE WEST
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX there was no check return and their was never an agreement for an overdraft protection and the credit card company XXXX XXXX credit charge my account {$430.00} for service we did not ask for nor was their a bounce check in XX/XX/XXXX and there was never a bounce check and we believe bank defraud us out {$25.00} off the cost of the credit after paying the claim for overdraft that they mistakenly applied to the credit card to occur fees and interest.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report.XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/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 2022-12-16
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone from Caine & Weiner contacted me saying I owed {$390.00} to XXXX and they are collecting on their behalf. I dont owe it and I also, in writing, told them not to contact me again, but sure enough they did. And they showed me a screenshot of something that anyone can pull up on the State of Michigan business entity website. I am filing this complaint so that these predatory businesses get fined for taking illegal actions against people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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:
XX/XX/2021 I submitted a credit dispute to Equifax due to a negative line of credit from XXXX XXXX in the amount of {$11000.00} due to an auto repo. I exercised my right under the FCRA rule 611 ( a ) ( 6 ) ( Biii ) which states that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the credit reporting agency. 
On XX/XX/XXXX, i received in the mail a generic computer generated response stating that the account had been verified as accurate. 
To make matters worse, the same account appeared double on my credit credit file. first account # XXXXand second account # XXXX with the last two digits of the original account number missing. Which unfairly brought my credit score down even further. 
The credit reporting agency mandates that a debt collector must delete their reported collection if account has been tampered with.

Company response to consumer: Closed with explanation