BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was included in a payment arrangement in XX/XX/XXXX ; actively paying XXXX a month non stop. The account was recently ; added to the my credit report as a collection. I spoke with XXXX XXXX and they told me that this particular amount of {$110.00} was added to my account in XX/XX/XXXX and the reason the amount of {$100.00} was added to my account was because I didn't approved the new amount be added to the payment arrangement. I was told on XX/XX/XXXX that this XXXX of my recent payment of XXXX auto draft went toward the {$110.00} bill. This morning I spoke with XXXX at Bull City and he said there was a system glitch with how the system was able to take the {$8.00} out of the recent payment ; and send the remaining amount to collections. 

This account has been paid in full ; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: RI
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:
Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). ST OF MD-XXXX, XXXX, and XXXX XXXX are accounts opened by someone who stole my identity.

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 2023-11-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Several of my now student loans were included in a XXXX XXXX XXXX  and payments were made until discharged. After my XXXX XXXX was discharged I still had to resume payments on my student loans. I've since filed for loan forgiveness and income driven repayment. My loans currently exceed {$90000.00} today. My journey began in the late XXXX to early XXXX through today with several forbearances and hardships filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For three consecutive months, fidelity Card Services ( Elan Financial services ) has consistently posted the payment later than when it was received, and charged fees ( which have been reversed after long discussions ). It insisted that it was my responsibility to get the payment there at least 3 days prior to the due date, so that they had time to process it. 
I have had this account or many years and this has never been a problem until recdntly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is the Citibank Visa for Costco XXXX customers. I have an executive membership at Costco I paid {$120.00} for my annual membership renewal on XX/XX/XXXX, using the Citibank Card. 

Now Citibank is cancelling my card because they say I didn't pay the Costco membership fee ( even though the charge is right there on my card statement ). They say I have to call Costco to resolve the issue but the phone number they give ( same as the number on the card ) does not work ( I get connected and then disconnected after 30-minute wait times ). I've been a Costco member uninterrupted since XXXX. 

I'm currently traveling abroad in XXXX and can not visit a member services counter in a store ( the only other option they give me ). I rely on my card for many daily purchases so if they cancel my card XX/XX/XXXX ( as they threaten to do ) I will be stuck with no way to pay for travel back to US or elsewhere and I will also lose my accrued cash-back benefit. The membership renewal payment is right there on my card and they don't have any way I can get in touch with a person to solve it. I would really appreciate your help.

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 2023-10-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Issue number one. Charges made on my Home Depot card. Contact Home Depot was issued a new card. Thought it was an isolated incident and moved on. Issue number 2XXXX received a letter from Best Buy credit services. They informed me that my credit was denied. I did not apply for a Best Buy credit card.

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 2021-01-12
Company: AR Resources, 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Foris DAX, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, I lost money from my XXXX XXXX account around {$70000.00}. it was sent to an unknown wallet. I can not contact the company to discuss this case. Someone stole my money from my XXXX wallet. I need help right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I called chase bank to file a complaint about XXXX XXXX XXXX not refunding my money. I gave all information. XXXX XXXX from XXXX XXXX XXXX office of the president told me to dispute the charge of XXXX. After chase so called did their investigation, they came back on XX/XX/2021 and reversed the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to formally bring to your attention the concerning behavior exhibited by Manager XXXX XXXX during our recent interaction regarding the debt collection process. 

During our conversation on Monday, XX/XX/XXXX at XXXX EST. XXXX XXXX displayed forceful and aggressive behavior towards me. Despite my acknowledgment of the debt and the challenging circumstances my family and I are facing due to maternity leave and my husbands job loss, XXXX XXXX repeatedly accused me of irresponsibility. 

I explicitly stated my willingness to address the debt in due course, mentioning my plan to utilize my tax refund in XXXX to initiate repayments to all creditors, including Midland. However, instead of understanding or empathy, XXXX XXXX continued to employ threatening language, insisting on immediate repayment and threatening legal action. 

His persistence in pressuring me, even after expressing discomfort with his approach and labeling it as abusive, was highly distressing and unacceptable. No individual should be subjected to such aggressive tactics, especially when attempting to navigate financial challenges caused by unforeseen circumstances. 

I request an immediate investigation into this matter and appropriate action against such abusive debt collection practices. My aim is not to evade responsibility but to request a fair and respectful approach to resolving this debt issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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:
Last XXXX I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I called the companies and bureaus many times about these unauthorized inquiries and nothing has been done. These are fraud called on XX/XX/XXXX 3 times and was hung up twice on by XXXX, called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Bank XXXX XXXX Inquiry from XX/XX/2020 + XXXX XXXX XXXX Inquiry from XX/XX/2020 + Finance XXXX XXXX Inquiry from XX/XX/2020 + Finance Please remove these fraud inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: NC
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 reported and disputed the XXXX XXXX  account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XXXX 2018. However still reporting late payments. It will come off for a few months then come back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: FL
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:
2 years ago a credit card show up in my bank chase account appear. 
It was Amazon prime credit card, I have never used and have never even have the card in hand. This credit show in my account I have call the credit card company they told I have to to do the payment even though my address was never on that card and they won't tell what address the credit card was buying on shipping to. The card has a total of {$1700.00} to pay in it. I also called credit bureau they didn't help me. They won't give me information where everything was sending to. I call every month to fix this and it always same issue. They not helping me. This is causing my credit score to go low I can't apply for credit cards because of this. I told them my address and everything but apparently I'm getting no answer and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a collection letter dated XX/XX/XXXX from I.C. System demanding {$150.00} from me for a medical bill they stated I owe to them. Because I did not recall having medical services with their company nor XXXX XXXX and XXXX. On XX/XX/XXXX, I sent a debt validation letter to I.C. Systems requesting that they provide me with The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services. 
Verification that there is a valid basis for claiming I am required to pay the current amount. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor : a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Proof of your authority to collect this debt, whether you are licensed in my state and if so, provide the date of the license, name on the license number, and the license number of the state agency issuing the license. 
If you are contacting me from outside my state, provide the licensing information from your state as well. 
I was shocked when I received a letter dated XX/XX/XXXX that had an attached letter that was a medical report with my PHI. I never signed a release, I never provided a copy of my state issued identification card, nor did I fill out any forms requesting a copy of my medical report. I.C. System negligently released my PHI to an unknown source without any written consent. Even more concerning is the accounting information listed on the document that I.C. System provided to me. The total amount states {$150.00}, the payment/adjustment states {$150.00} and the balanced owed states {$0.00}. I.C. System has engaged in HIPPA violations, they have violated my civil rights and they are attempting to collect on a debt that has a XXXX  balance according to their own records. I am requesting that this company cease all contact and collection efforts with me. I am also request that there be an audit and an in depth investigation into the collection practices of this company.

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 2021-01-11
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: DISCOVER BANK
State: PA
Product: Credit reporting 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:
Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over XXXX years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged some service fees when I turned XXXX and no longer qualified for the bank 's waived service fees. I added {$500.00} to the account to avoid further service fees. However, I was charged an additional {$10.00}, bringing my total below {$490.00} again. My bank will not refund the fees because I had one of the two previous service fees charged after I turned XXXX waived already. I'm worried that the bank is attempting to keep me paying fees forever. After I made my complaint about the fees earlier, they disabled my ability to get statements and my account/routing numbers online.

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 2022-07-14
Company: EQUIFAX, INC.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 125 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation