BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: Asset Management Outsourcing, 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:
TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT NATIONWD REC XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWD REC XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-20
Company: United PanAm Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I applied for the Chase Business United MileagePlus Club card using this link : https : /XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX About a week later, I was approved and received my card in the mail. However, it was the XXXX XXXX XXXX XXXX card and not the business card which I had applied for. 

I tried calling to explain about this issue and received various ambiguous answers. The first time I reached out, I was told that the card I received was indeed the business card. The second, third, and fourth times I called, I was told that this was a personal card and that they can't change it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Law Offices of Robert J. Colclough, III
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a notice and demand of validation of debt and dispute. 
XXXX XXXX XXXX Account # This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. 
Please provide me with the following : 1. A copy of your original contract to account # under which I accrued the alleged debt for {$120.00}.

2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 
5. Please also include the date which you communicated with that individual or the date by which the system was access.

6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 
7. Please inform me of the date you opened account # 8. Please provide me a record of any payments or other reductions since the last billing statement for account # 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. 
If you provide the requested documents, I will require at least 30 days to investigate this information you provide. 
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. 
If your office does not respond in 30 days, you have to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Innovis
State: AR
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:
ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
yes I have been with citi bank for a long time and i'm trying to applied for a Costco credit card since I shop there often but they keep on denying me even when I have a high credit score, what is the deal citi bank why can't I applied for a Costco 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 explanation
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: CA
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 rewards from credit card

Complaint:
I applied for a Citi XXXX Card in XX/XX/2019 ( don't remember exact date ) with a promotional offer to spend {$4000.00} in first 90 days and receive XXXX reward points. Initial card was never received ( sent via USPS ). I called to report that it wasn't received after about 3 weeks. A new card was issued with assurances that the promotional 90 day period didn't start until the card is activated. I asked at the time for them to send me the card via expedited service to guarantee delivery, they would not. 

I never received the 2nd card. After about 3 weeks I called back and was told to wait a bit longer. I called back within a week or 2 and told them to just cancel the card as there was obviously some issue with their delivery capabilities and I was uncomfortable with a credit card being lost in the mail again. The rep on the phone would not let me cancel my card, elevated my issue to someone more senior, who essentially convinced me to not cancel ; told me he would expedite the card to me and promised that the promotional period for rewards wouldn't start until activation. 

The first recorded transaction on the card was XX/XX/XXXX - I am certain I used the card within a day or 2 of receiving. At this point ( XX/XX/2019 ) I have spent and repaid well over {$4000.00} in the first 90 days ( I never carry a revolving balance on my cards ) and have been told by Citi that my promotional period ended XX/XX/XXXX ( driven presumably by my initial application/approval date ) and that I did not qualify for the bonus. 

I feel like Citi lacks cohesion in their customer service and this feels relatively predatory to me. They wouldn't let me cancel in hopes that I would rack up a large bill and still failed/refused to honor their promotion after the many assurances I received. What's more, they never offer case numbers or dispute numbers that you can reference for future calls, so it's impossible to tell if there's any record of the customer service events that have occurred. 

I have also spent a very long time on the phone with various agents throughout the course of the issues with my cards and that is very frustrating. CITI does not have an email address through which I can produce a written record of the complaint, and there are no inbound numbers to call other than 1st line customer service.

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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
- On XX/XX/2023, Chase bank put my account under a legal hold and overdrew my account by {$99.00} XXXX. Calls to their customer support redirected me to their Court Orders and Levies team - From XX/XX/XXXX till XX/XX/XXXX I made several calls to the Court Orders and Levies team but was either given rude replies " Nature of this hold does not allow us to share information '' or was told that they do not have information and can not share 'Proprietary Chase Bank procedures ' with me. 
- On XX/XX/XXXX I visited Chase branch at XXXX XXXX TX XXXX and requested for help from the customer support executive. He called the same Court Orders and Levies team and was given the same answer - On XX/XX/XXXX I emailed another Chase bank Account Rep who had opened my account at Chase in XX/XX/XXXX with a request to help Urgently. He was directed to the same Court Orders and Levies team with same answer " We do not have any information for you on this hold ''. 
- I have consistently asked Chase to provide details on why this hold is valid since it has stopped my business completely and I can not use my account to make payments to my suppliers. All my current funds destined to suppliers have been held back resulting in collection letters/ emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX on XXXX XXXX In XXXX, OH to purchase a car on Monday, XX/XX/XXXX with a Car Salesman and I concluded the process with a Business Manager to finalize any documents and add ons that I might need. I was asked by the business manager if I would like a XXXX credit card to go toward purchases and declined and was asked two more times but I still declined and I didnt sign any paperwork that is on file or with me that says that I consent to the running of my credit for a credit card. I, then picked up my car on Wednesday XXXX after it was ready. On Friday, XX/XX/XXXX I received an email from the XXXX XXXX website asking me about a new hard inquiry on my account and if it was mine because of the fact that it had no monetary amount and there didnt seem to be a card attached to it. I then sent in a complaint directly with the XX/XX/XXXX website on Wednesday, XX/XX/XXXX and again with Transunion ( through the XX/XX/XXXX site ) on XX/XX/XXXX when I saw that there was still no solution to my issue. I received a response that they found that there was no issue on their end and that it needed to be escalated through consumer finance on Friday, XX/XX/XXXX. There was a document to sign saying that I consent to a credit card but I do not have that document because I declined to sign 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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2018-08-24
Company: Reliant Capital Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An attempt to verify the debt or amount owe was made and the amount sought was verified by the debtor ( University of XXXX ) and third party ( Reliant Capital Solutions ) as accurate on XX/XX/2018 in the amount of {$13000.00}. 

The debtor has refused to discharge, and/ or delete the account information, including credit inquiry, and/ or cease collection of the account by way of third party. Both companies are in violation of the Fair Debt Collection and Fair Credit Reporting Act 's under federal law for violation of consumer credit rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AR
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:
Despite multiple attempts, I am writing to express my extreme frustration and concern regarding the continued presence of fraudulent items on my credit report, which are needed them to removed. These fraudulent items are causing significant harm to my creditworthiness and financial well-being, and it is imperative that they be rectified as a matter of urgency. 

I have previously submitted multiple dispute letters to your bureau regarding these fraudulent items, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough investigation into these fraudulent items and take immediate action to correct my credit report by removing them. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and free from fraudulent information, and the continued presence of these items is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the fraudulent nature of these items, such as police reports, affidavits of identity theft, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the fraudulent items, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, please ensure that you notify the creditors or entities associated with these fraudulent items about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these fraudulent items on my credit report poses a severe threat to my financial stability and creditworthiness. I implore you to prioritize this matter and work diligently to resolve it promptly to restore the accuracy and integrity of my credit history. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7300.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX  XX/XX/202XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Firstsource Business Process Services, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance, XXXX, said I had out of network privledges. 
I went to XXXX XXXX XXXX XXXX XXXX in XXXX, when I loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes... XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have pictures for proof. 
I didn't even know if the hospitals ran the charges thru my insurance. 
When I called, XXXX said they did not run the charges thru them. 
The next thing know, I was receiving bills from XXXX XXXX XXXX XXXX XXXX XXXX 
I set up an automatic payment with my credit card, Just taking for granted the bill total was acurate. 
It was an automatic bill payment for several years that I had paid. 
You can check on that for accuracy. 
Then, there was fraud on my credit card account, which stopped payment on everything I had set up on automatic payment. 
There was never a problem until then. 
I just took it for granted that this was what I owed. 
I called the hospital and they said that these totals had never gone thru my insurance. 
I said, " Then what the heck am I paying for? '' This is when I was glad the fraud happened. 
Otherwise, I would never have questioned the charges from XXXX XXXX XXXX XXXX XXXX XXXX 
Please help, for God 's sake!!!! 
These hospitals are getting away with XXXX!!!! 

XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation