BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: DMB Financial, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In XXXX of XXXX, I was in contact with DMB financial for debt settlement. I had 2 credit cards that I needed help with. XXXX and XXXX XXXX. I was told that both accounts would reach an agreement in 3-6 months and be settled and paid within 1 year. It is now XXXX of XXXX. Only one account has reach a settlement ( 7 months later ) and I have been paying {$700.00} per month into their escrow account. They then took {$4800.00} of my saved money to pay themselves. This one account will not be fully paid now until XX/XX/XXXX. My other account is not going to be addressed at all. The company is not responding to my inquiries about when they will handle my other account. And they lied about the time frame and cost of EVERYTHING. But they also say Im bound to a contract to keep paying them and not work directly with my credit card company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: CA
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have called repeatedly to resolve this matter and have the account removed from my credit file. I never had any past service with XXXX XXXX XXXX. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: CITIBANK, N.A.
State: NJ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Universal Account Servicing, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an original Auto Repair Loan paid off with XXXX XXXX that came directly out of my account that was paid off on XX/XX/2022. The original amount of the loan was {$500.00}. The company called numerous times using the telephone number ( XXXX ) XXXX. I tried on several occasions to call the number back but it said it was nonexistent. Upon further investigation, I found the website which is under XXXX XXXX but the letters sent to my address are under Universal Account Servicing , LLC XXXX XXXX XXXX XXXX, XXXX  XXXX. In previous phone call, a rep told me they bought delinquent accounts from XXXX XXXX, however I received a letter from XXXX XXXX notifying me my account was paid in full. I have sent the information to XXXX XXXX XXXX Account Services via email and their online portal. They still continue to report that I owe {$120.00} and I am 90 days past due which affects my credit. I called today and the rep informed me they had to contact XXXX XXXX and I told him that did not make sense because they purchased the so called debt from them. He placed me on hold and returned and told me they had to contact the bank to verify and I told him that did not make sense because I sent paperwork via XXXX website with confirmation my account was paid in full on XX/XX/2022. When I told the rep I was recording all correspondences, in other words documenting each call along with paperwork because I felt the company fraudulently obtain my information and decided to charge me for money not owed, the rep immediately told me because I was recording he had to immediately disconnect the call. This company is a scam!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had problems making payments to Barclay 's for ~4 months. I've tried to make payments and they claim they are returned. So I incurred late fees and extra interest. Barclays even went so far as to mar my credit when they had no legal right to do if they refused to take my payment! I tried to pay them off at least twice... I have written them a paper check to pay them in full and still haven't heard anything about that CHECK? My bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, informs me they have not received any thing from Barclay 's. It appears they do not want to take my payment to settle my account. 
WHEN I get this straightened out. I will NEVER do any business with Barclays again!

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 2021-06-17
Company: SYNCHRONY FINANCIAL
State: NJ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, a caller ( spoofing a correct government number ) claiming to be an XXXX agent supposedly informing me of an irregularity in my paperwork. They claimed that an arrest warrant was filed. Later, a second caller, also spoofing the local police department number, called and threatened to arrest me unless this irregularity was cleared. The fraudulent XXXX agent guided me under time pressure ( claiming it had to be done in 30 minutes for the police department 's benefit ) to send a payment of {$1900.00} to a particular account, while claiming it would be returned after an investigation was done. The fraudsters used false names and false ID badge numbers. During this process, the fraudsters also insisted that I share my phone screen with them ( again, supposedly for legal purposes ), which in retrospect was clearly an attempt to obtain login information. Luckily, this was avoided because of face ID substituting for actual password entering. 

I sent a payment of {$990.00} under this false premise from my Chase checking account using XXXX to an account under the name of " XXXX XXXX '' ( a further payment was declined due to triggering the bank 's security alert ). Because the fraudsters impersonated an official government agent and attempted to access my account, this is clearly an example of fraud that should be covered by regulation E, meaning the bank should reverse this payment. However, after a call with Chase, they refused any responsibility and offered no recourse.

Quoting the relevant Regulation E FAQ website : " ... ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. '' Any specific information can be provided on request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called my Federal Student Loan servicer XXXX  concerning the loan. I explained to them my loan was showing paid off for the last 4 years than all of sudden reappeared. It showed in good standing and paid as agree on the credit bureaus ' reports. They are also saying my student loans doesn't qualify for the federal forgiveness program when they are federal loans. I need someone to check into this situation because something isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
My name is XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
ON XXXX I received a notice that a new inquiry was on my report. After viewing my credit report I noticed there are multiple inquiries that I did not authorize. I contact Transunion, but their customer service would not help and refused to take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Bank of America business XXXX  XXXX credit card. The terms of the card gave me XXXX air miles and a {$200.00} statement credit upon spending {$2000.00} in 90 days. I met the spending requirement in early XXXX and promptly had the XXXX miles in my XXXX  XXXX account. The {$200.00} credit never arrived in my account. I have called 5-6 times since XXXX asking when I would get the credit. Each time I was told to wait a few weeks and received different answers. XX/XX/XXXX was 90 days after the {$2000.00} spending requirement purchase was met and the maximum allowed time for Bank of America to pay me this credit. They have not. I called them on XX/XX/XXXX and they said they would look into it ( weren't they already after 5 calls from me? ). I didn't hear back. I called them today, XX/XX/XXXX and after waiting on hold for an hour was told they had decided I wasn't eligible for the promotion of {$200.00}. Interesting as I was awarded the air miles and obviously successfully met the spending requirements. The same offer of 40,000 XXXX XXXX miles and {$200.00} credit is the current public offer posted on their website, so this was not some ephemeral happening. I have attached a screenshot of the offer page from when I applied.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate. 
Inquires

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 2023-09-19
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern, The IRS have approved the 1099C for student loan XXXX on XX/XX/2023. Mailed to Nelnet XX/XX/2023. Received my copy of the Copy B For Cancellation of Debt. 
My account has not been corrected to XXXX Balance as of today XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The equipment and other cable boxes had been returned already, almost 3 years ago to their office. The receipts of that return had not been retrieved due to some unavoidable circumstance. Yesterday, for the first time, I received a collection notice in the total amount of {$300.00}.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: PA
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:
Hi there. I sent you a letter on XX/XX/2021 but I haven't received any letters from you. I am here at CFPBs website because I think that you have not been doing what you are supposed to do. I will keep on seeking help from government agencies or even hire an attorney if this matter doesn't get resolved.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( Experian ) *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C 1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. *15 U.S.C 1681s-2 623 ( a ) ( 1 ) ( A ) : States a person shall not any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I searched the XXXX XXXX dockets and found this case filed against me last year. I don't know who these people are even

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : - XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-06-16
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Regarding : AMCOL SYSTEMS is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. AMCOL SYSYEMS has also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney, making threats to arrest me, garnish my wages, bank accounts, and sue me. 
AMCOL SYSTEMS has also contacted family members and co-workers of mine more than once trying to collect this fraudulent debt. AMCOL SYSYEMS has discussed this account and my personal information regarding this debt, harassing others trying to get me to pay this debt. AMCOL SYSTEMS fails to respond to my verification letter by certified mail as well as my cease and desist letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Information belongs to someone else

Complaint:
Someone else 's information is appearing in my credit profile

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