BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-31
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I moved to XXXX from XXXX, XXXX and came back XXXX, XXXX, XXXX and I starting having calls from MIDLAND CREDIT MANAGEMENT on my new number I got when I returned regarding accounts # XXXX and XXXX in the amounts of {$1200.00} and {$720.00} respectively. I spoke to few their agents about the above accounts, I have no idea about both accounts, besides one of the accounts was opened while I was outside the USA, whilst the second one was open while I was here but the transactions on both accounts has nothing to do with me or my lifestyle as Midland tried to tell me some of the transactions. I tried many times to dispute this matters, no success and they still insisted as a result put some negative remarks on my personal credit report and I am not happy about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXXXXXX 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 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 OK OK Experian OK OK XXXX OK OK XXXX OK XXXX OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion have received numerous documents for a bankruptcy dispute that was made in error at sc bankruptcy court Transunion has playing games about not having documents and lied about not receiving the documents about bankruptcy. I have attached the letter from SC Bankruptcy court about this Bankruptcy. Please take action and penalize Transunion about this situation its has been 4 months

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 2023-05-17
Company: Experian Information Solutions Inc.
State: OR
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2023-05-16
Company: Experian Information Solutions Inc.
State: CA
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:
An accordance with the Fair Credit Reporting act XXXX  Account # 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 Balance {$600.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am reaching out for help in resolving a problem that I am having with XXXX, XXXX XXXX XXXX, XXXX ( formerly Pressler and Pressler,  LLP ) located : XXXX XXXX XXXX, XXXX, NJ XXXX and their attempt to collect a debt that I never opened, had or owed to XXXX-XXXX " in the amount of {$5600.00} plus costs, of which {$4000.00} remains due and unpaid '' according to their written correspondence to me. As I have stated, I haver never opened an account with XXXX-XXXX in any amount and do not owe this debt. I have received ( XX/XX/XXXX ) letters from them both by First and certified mail dated XX/XX/XXXX with an attachment of a two page Information Subpoena and Written Questions requesting personal and financial information. Within the body of the letter is a threat that I could be arrested if I do not return the information to them within 14 days and letter also states that it is an attempt to collect a debt. I would appreciate your help in resolving this matter as soon as possible. I believe they are in violation of Consumer Protection Laws and debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: WA
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:
Below its a copy of the Offer rejected notice given to " XXXX XXXX XXXXXXXX ''. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Rejection of credit was based on credit score that has nothing to do with the type of credit transaction or contract agreed upon both partied where a third part, such as the use of Experian was used upon discrimination and conspiracy against the beneficiary also known as the consumer. XXXX on behalf of XXXX XXXX XXXX XXXX has committed several violations as explained below. 

OFFER REJECTED NOTICE ATTN : XXXX, XXXX XXXX XXXX, UT c/o XXXX XXXX XXXX  XXXX XXXX 
Application means : A request, petition or motion in blacks law 11th edition. 
Means the act of asking for something, usually in writing, or a document in which someone asks for something, in barrons dictionary of banking This correspondence is in regard to the application submitted on XX/XX/2021. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 C.F.R 240.106-5 ( 15 U.S.C. 78j ), 38 C.F.R 21.5828 ( 15 U.S.C 78ff ) ,13 C.F.R 113.3 ( 15 U.S.C 1691 ( a ) ( 3 ) ), 18 U.S.C. 241, 18 U.S.C. 242. 
Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 
You meaning XXXX, XXXX XXXX XXXX, UT c/o XXXXXXXX XXXX  XXXX XXXX XXXX 
and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. 
Legal proceedings may be enacted if dishonored. 
Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : 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 2018-09-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work this out. I was in the middle of responding to the company and at the same time they put my home up for foreclosure. The attached letter dated XX/XX/XXXX, did not mention the foreclosure date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On Friday, XX/XX/XXXX, I used Remitly 's website to send {$300.00} to a XXXX bank account. I selected the service/option that will make the funds available within minutes ( they call it " Express '' ).  Right after submitting the transaction, I received an email informing me that the funds will be available on XX/XX/XXXX, XXXX XXXX. That's 3 days from time of sending. I called them immediately but for some reason, I wasn't able to speak to a rep. The next day, I called again, and here, I was able to speak to one, and got a vague explanation about partner banks not doing business on weekends. I honestly didn't understand the explanation, nor accepted it. I said okay, I can't do anything about it. They said they'll give me {$10.00} credit for my troubles, with an additional promise that the funds will arrive on the date and time promised ( XX/XX/XXXX, XXXX XXXX ), even earlier. It didn't. So I called them again right after I confirmed that the funds weren't delivered yet. They actually brought a rep from their partner bank in the XXXX The explanation was that this partner bank acted as intermediary to the destination bank, and that the transaction was still on process with the destination bank. I told them to cancel it, then and there, and I'm going with XXXX. This was around XXXX XXXX. I immediately sent the money through XXXX, and as it always has, the funds were there within a minute or so. Around XXXX XXXX, I received an email saying the Remitly transaction has been completed. 

This service does not deliver on their promise. Very frustrating. There are at least 2 promises here : 1. Within minutes - failed 2. The 3 days after date - still failed 3. Request to cancel since the transaction was not complete yet - ignored, they mention somewhere that this is possible as long as the transaction isn't complete yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MN
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:
I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citizens Access Bank on XX/XX/XXXX. On XX/XX/XXXX I made a deposit from my sons account in his name for {$800.00}. On XX/XX/XXXX I made two deposits for {$300.00} and {$2100.00} from an account in my name. Since XX/XX/XXXX Citizens Access bank has frozen all the funds in my account based on the {$800.00} deposit from the bank account in my son 's name. They have informed me the only way to resolve the situation is to add him to the account as a joint owner. The issue is they are unable to verify his identity and continue to freeze all the money in the account. My son recently turned XXXX so he has no credit history, but other banks were able to verify his identity and allowed him to open bank accounts in his name, but Citizens Access continues to deny due diligence to resolve this issue. They have frozen {$3200.00} since XX/XX/XXXX and today is XX/XX/XXXX. 

I have made multiple attempts to transfer the funds out electronically to accounts in his name and my name and citizens ' access continues to deny the transactions. I have made multiple phone calls on many dates to discuss the issue and since Citizens Access Bank continues to be unable to verify his identity and/or resolve this issue all of the funds continue to be frozen. All we need is to close this account and have our money returned to us Please help us get access to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We started our original home loan in XXXX XXXX live with my fiancee XXXX XXXX we are not married, she is not on any of the legal paperwork for the house, HomeBridge ( my mortgage company ) did not ask for my consent ; Yet she is the one who first requested a forbearance, not myself-XXXX XXXX. We had never been late or missed a payment until XX/XX/XXXX, when we both lost our jobs.This is the reason the forbearance was requested and it was granted on XX/XX/XXXX. There is a letter from Homebridge stating that they did not get the information correct until XX/XX/XXXX. We stayed on a forbearance for as long as we possibly could- it just ended XX/XX/XXXX. The entire 18 months I was on a forbearance HomeBridge Financial has been and continues to report to the credit bureau that I am not making my mortgage payments and that I am currently 563 days past due. I have called hundreds of times trying to reach a solution with HomeBridge, I have been spoken down to, laughed at, put on hold for a manager then the line gets disconnected.I have literally spent countless hours on the phone with HomeBridge, thousands of phone calls, endless sleepless nights because there is no certainty with my mortgage company. Not once in more than a 12 month time period did a manager ever call me back. I do however have three separate letters on three separate dates stating that my account is paid up to date and as agreed for the previous 24 months. So they are telling me one thing and doing a the complete opposite. My credit score has plummeted dramatically. As a final farewell, HomeBridge sent out our loan modification packet the day that my forbearance ended. The icing on the cake is that 2 days later they sold my loan to a different company- XXXX XXXX..the sold our loan that was in default. Never was it ever mentioned that our financial provider was going to change, I feel like HomeBridge mistreated us and probably broke a few laws along the way just to sell my loan at the last second just in time for it to go into default. I would like to know what your thoughts are about this situation. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a pay to delete letter to debt collector ( Credence Resource Management LLC ) and I have had no response from the debt collector. I proposed a payment of {$130.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In 4 separated occasions I ask for an increase of my credit limit. Last occasion was XX/XX/2021. Capital One didn't use current credit report and decided arbitrarily to utilize one from XX/XX/2021. My credit score in 3 major agencies is over 720. I never had any late payments and my income to debt ration is extremely low. I perceive Capital One is discriminating against me due to ethnicity.

Company response to consumer: Closed with explanation