BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XX/XX/23 and XX/XX/23, I have received at least XXXX calls from XXXX attempting to discuss a " business issue '' involving XXXX and attempting to have me verify personal information. Based on the background noise, the call originates from a call center and the callers have an XXXX or XXXX accent. I have refused to provide them information and blocked the number. More recently, however, I received a correspondence from " Credence '' ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ), dated XX/XX/23 attempting to collect a {$41.00} debt on behalf of XXXX. 

On XX/XX/23 ( XXXXXXXX XXXX ), I called XXXX ( XXXX ) and confirmed with the XXXX that my account with them had been closed effective XX/XX/23 and that the final payment for my account was received on XX/XX/23 for {$31.00}. She further confirmed there was no past due amount on my account and that they had not contracted with " Credence '' to collect a debt from me, nor had XXXX had sold a debt to " Credence '' that I previously owed them. She further confirmed the account number shown on the correspondence from " Credence '' was not the account number for my previously closed account. 

Following my call with XXXX, I reached out to Credence ( XXXX XXXX ) at the number listed on the correspondence received. The recorded message advised the offices were not open and that their hours of operation were from XXXX XXXX XXXX XXXX XXXX XXXX  I called back during those hours and the XXXX had the same XXXX or XXXX  accent and sounded to be in a similar call center. She immediately began trying to verify personal information. I provided her the " Credence Reference '' number from the letter and advised that if she was legitimate, she would be able to obtain any needed information on her own. When she was unable to do so, I advised her that I believed they were scam callers based out of either XXXX or XXXX and requested my name and number be removed from their database. 

The State of Louisiana 's office of motor vehicles recently advised residents of a data breach and have provided XXXX subscriptions. I have taken advantage of the subscription as of XX/XX/23. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received this letter that all personal information was breached : XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX Letter was from Retrieval Masters Creditors Bureau inc. 
American Medical Collection Agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Activation Code : XXXX Personal informations such as social security numbers, phone numbers addresses and and medical records were hacked between the period of XXXX XXXX and XX/XX/2019. 
All they offered was free credit monitoring, I am not interested in credit monitoring, I already monitor my credit however I feel that I am entitled to a payment settlement and I would like to join the class action lawsuit immediately. 
You can email me at XXXX Also my wifes name was hacked under XXXX XXXX ( old name ) and under her correct Name XXXX XXXX. 
I was hacked twice, my name is XXXX XXXX. 
Both of us received two letter mine was under XXXX XXXX Hers were her under her old name XXXX XXXX and also under her current name XXXX XXXX. I dont want credit monitoring I would like a cash settlement for both of us four times, since we received four letters.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: MD
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 Follow-up 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 accounts 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 : XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed inaccurate and fraudulent address on my credit report with XXXX, Transunion, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT A LSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: Exeter Finance Corp.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
During the month of XX/XX/2019 had several calls from Exeter Finance about account balance being past due for more than 60 days. At the time told them I shoukd only be 30 days because promised an extension from my last payment. Was told that I was only granted a 1 month instead of a two month extension as promised with last payment. Told them my wife was under a garnishment because of the goverment shutdown and I was just getting back to work because I XXXX  XXXX XXXX for my XXXX XXXX and work had just started to pick up. The Representative told me if I made the atleast 2 months payment he will work on getting me a 2 month extension and my next payment will not be until XX/XX/XXXX. The rep took my payment and said thank you and your wife for your service and you should be fine your state you doesnt have any paper work to be signed for an extension. Replied thats great you should have your payment on the XXXX. Now im being told Im 80+days past due no extension is in the system or been noted that I was offered an extension and Im to the max on extension so none will be applied just make your payment and you will be fine. Told the rep will be filing a complaint also they keep reporting it late on my credit report when it was indeed there fault if it couldnt be done then shouldve been told that from the start,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX blew off in Utility room flooding 3 rooms before we could get water cut off. We filed claim with XXXX XXXX immediately. NO adjuster was sent to our house because of Covid. We had to provide tons of pictures of the damage to them. Had to get 2 bids from 2 different contractors, who also took tons of pictures and sent to XXXX XXXX. XXXX XXXX helped us pick the right contractor, and sent us a check for {$91000.00} for us to both sign and overnight by XXXX to PHH Mortgage Services. Now PHH says that we have not provided an Adjuster 's Worksheet, and will NOT release OUR money back to us. There is NO Adjuster 's Worksheet because no one was sent out here because of Covid! XXXX XXXX along with myself have called numerous times. We get the run around EVERYTIME we call. XXXX XXXX has told us that they have sent every paper and Form that they should need. How do we get OUR money back from them?? Please Help!! Our home was a {$400000.00} Mortgage and we only owe them now {$63000.00}. Thank you, XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. XXXX, TX XXXX. XXXXXXXX XXXX cell ( XXXX ) XXXX, XXXX XXXX XXXX cell ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-07-03
Company: Experian Information Solutions Inc.
State: KY
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:
I mailed a letter to credit bureau disputing some unauthorized hard inquiries on my credit report. After 30 days did not get a response about the investigation. Contacted credit bureau and spoke with the dispute department. They informed me stating that hard inquiries are not disputable. FCRA states any inaccurate items on a credit report must be verified. Company refuses to investigate items.

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 2023-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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 recently reviewed my credit report in XXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : BK OF AMER Inquiry Date : XXXX Inquiry XXXX : XXXX XXXXXXXX XXXX INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.

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 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
This company has listed my account as delinquent and/or charge-off. According to federal law this is a violation of my rights as a consumer. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, should never be reported as late nor should it contain a balance because it contains a finance charge. A finance charge is the sum of all charges, which means this account was paid in full upon this company using my credit card ( social security card ). I am in complete distress because I have been attempting to remove this from my consumer report more than once. This company is causing me great distress and these fraudulent actions have been harmful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
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:
there are various inaccuracies on my credit reports that need to be investigated and deleted, see letter of explanation attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I rarely use my Capital One card, so when my annual fee was charged to my card I didn't receive an email alerting me to the charge. I did receive an email 30 days later telling me the {$19.00} was past due. I called immediately, paid the amount and explained the situation. Due to the fact that I am an excellent customer, the representative, as a first-time courtesy, said that she would reverse the late charges and report it as a " paid as agreed '' status to the credit report agency. The credit report was never corrected as promised and it has hurt my score substantially and caused two XXXX credit cards to reduce my credit limit substantially. I would like to have this corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2020-03-04
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
JPMCB - AUTO FINANCE This item is outdated and keeps appearing on my credit score. I've disputed this item many times. I need this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved of a Citi Premier credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.

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 2023-09-08
Company: Mark A. Kirkorsky, PC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/23 M.A. Kirkorsky.P.C initial introduction to me was by XXXX. delivering to my address a foregoing copy of a subpoena in a civil case with a case no.TJ2006. The subpoena disclosed misleading information about me. Kirkorsky 's listed local phone no. that is identified and named ; debt collector, the business address a po box denighing me reasonable communication. Kirkorsky did not follow-up with me regarding the subpoena Kirkordsky neglects providing me with a debt verification, has not given me the option to dispute the debt. XX/XX/23 Kirkorsky has court filed ( 2 ) consecutive affidavits under the case no.XXXX.seemingly a case that's expired Arizona statue of limitations. XX/XX/23 a second notice of subpoena to XXXX XXXX Bank collectively gathering my current to past personal banking records. I was not XXXX. mailed a copy of that subpoena the XXXX banker sent a copy of the ( 2nd ) subpoena. XX/XX/23 XXXX XXXX  complied with the order and Kirkorsky has been delivered those personal account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received an SBA PPP loan for my business into my Capital One account for my XXXX XXXX business. I made payments from this account leading all the way up to when I went to make a deposit into my savings account to ensure I follow the PPP guidelines for loan forgiveness. There are no Capital One banks anywhere here in California, so when I deposited my check on XX/XX/XXXX it went directly into the checking account the check was written from prompting Capital to place a freeze/hold on my account. I first was informed that through email that same day of my account being placed on hold and to call in order to verify what was going on. I called that same day but the offices were closed. I called the following day on XX/XX/XXXX and informed them of what happened. A lady spoke to an investigator who then asked why there was payroll in the memo and this is a personal account. I proceeded to let her know that I am a self employed person ( XXXX XXXX XXXX ) that received a loan from SBA and was following the terms to ensure the loan was forgiven. She began to tell me that I could not receive a business loan in a personal account and stated that I would receive an email with instruction on providing proof that I am in business. I never received that email, I called 2 days later to find out there was no movement with my account. On XX/XX/XXXX, I still hadn't heard from Capital One, so I called and found out that there were documents I needed to submit ( no email had been sent to me as previously stated ). I provided the required document and was informed that a specialist would be assigned to the account. 2 days later, someone was assigned to my account and has looked over the required document but yet has not made any notes on my account. I have called everyday since I submitted what they required, however, they continue to tell me they can not give me a timetable as to when this will be resolved. This has been such an inconvenience and no seems to want to help me. I have bills that have gone passed due as a result of this and I can not pay my rent or anything becuase they will not give my account the attention it deserves. 
I am requesting the immediate release of my funds and the restrictions removed from my account. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Paypal Holdings, Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I disputed unauthorized transactions that were made on my account I sent in documentation that was needed. And while I was awaiting my dispute status they permanently closed my account with my funds and would not release them. They wanted to put me on a 180 day hold before I was able to get an answer if I was able to get my funds out of my account and they then closed the case

Company response to consumer: Closed with explanation