BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday XX/XX/2020 I received my first notice from Kebridge Medical Revenue Care regarding a debt I owed in the amount of {$40.00} dollars. This is the first notice received from this company, I immediately went to their website and paid them {$40.00} dollars to clear the debt. On Saturday XX/XX/2020 I received a notice from XXXX   XXXX XXXX that they have reported TWO debts to my credit report. One debt in the amount of {$40.00}, another in the amount of {$20.00}. I was unable to call Keybridge until Monday XX/XX/XXXX because they were closed over the weekend. 

On Monday XX/XX/2020 I called Keybridge around XXXX and told them I was calling to clear up the accounts they held in their office so that I could get them removed from the credit report. The account representative named XXXX advised me that I had a total balance of {$110.00} due in their office and this included a balance of {$28.00} dollars that my wife had owed as well. 

They suggested I was responsible for my wife 's debt and asked me to pay it, at no time did they give me any opportunity to dispute the debt, and at no time did they tell me that I was NOT responsible for my wife 's debt. I again stated that I wanted to get it cleared up immediately because I was unaware of any debt at this time. I only received one notice for {$40.00} dollars. 

Over a 3 day period, despite only receiving one notice for {$40.00} due, I paid a total of {$150.00}. After the payment was processed, I asked for this to be removed from my credit report. They refused to remove this, they stated that it would be updated to reflect the account was paid in full. I asked them to please have it removed and they refused to do so. They claim they are not permitted to remove the debt due to a federal statute but I believe this to be incorrect. I believe they are attempting to ruin my credit for a minor oversight. The representative transferred me to her supervisor ( I did not write down the name ) and the supervisor told me the same thing that I KNOW to be false. They both stated that they are not permitted to remove this from my credit report. I know this is 100 % false, they do have the power and are refusing to do so. 

They did not provide me any notice on debt owed over the initial {$40.00} payment due, they led me to believe that I was responsible for my wife 's debt owed as well. They are refusing to remove a PAID Collection account from my credit report. I believe they are engaging in unfair, deceptive, and unethical business practices and would like this company investigated and my credit cleared immediately.

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 2018-09-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We reached out to CitiBank on XX/XX/XXXX when I realized that my promotional balance expired on XX/XX/XXXX. I explained to them that I thought it expired in XXXX and asked to get the interest charges waived as a courtesy. 
I received a response on XX/XX/XXXX at XXXX ET with the following message : We received your recent email regarding your account. 
Unfortunately, your promotion expired on XX/XX/XXXX with a balance remaining unpaid. Under the terms of the promotion the deferred interest charges have been added to your account. As a courtesy, we will waive {$210.00} of the interest charges if you will make a full payment of {$350.00} on or before XX/XX/XXXX. Once your payment has posted to your account, you may submit a request for the adjustment. 
Please let us know if we can be of further assistance. 

We made the requested payment on XXXX for the amount and before the date. I reached out again on XX/XX/XXXX asking for the interest to be waived since we made the payment as asked by the deadline. Citibank responded that they were unable to execute the interest charge adjustment. 

This is deceptive and unfair where an agent requested for a payment which we made and then wouldn't follow through with their commitment. There was a financial impact on the agent 's actions.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CT
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 sent letters to XXXX, XXXX, And Experian Via XXXX Mail on XX/XX/2023 To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.

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 2023-07-18
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
My landlord wants me to pay the rent through Venmo. I tried to set up a Venmo account and I received a message that I was rejected because of a violation of their terms of service agreement. I asked what the violation was about and they refuse to tell me and they said that they are not obligated to do so. I have had email contact with them, and I'm sorry to not be able to share those with you, and they told me that I have to contact the person who rejected me to have a Venmo account authorized. I don't know who that is and they won't tell me. I'm on social security and XXXX XXXX for XXXX part time. The account I want to open will be connected to my debit account and if the payment isn't in the account it's not going to be authorized. I don't understand why they are doing it and I am not going to injure Venmo or the XXXX financial system. Please help me open the account Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
Three years ago, I leased an apartment in XXXX, which turned out to be in appalling condition, infested with rats, rendering it uninhabitable. Upon moving out, the apartment complex charged me {$800.00} for damages, falsely attributing the cost to new carpet and overall remodeling, even though no such improvements were made. This disputed amount is now with Genesis Collections Agency, causing harassment despite my efforts to communicate that I am not accountable for this debt. Furthermore, they are charging me interest on an unjustifiable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: IL
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:
This is regarding an existing issue with XXXX XXXX and equifax XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Left XXXX XXXX with proper notice ( XX/XX/2023 was my last month ) as per their modified terms and conditions, well in advance. Had difficulty as half the time the office is closed in spite of their office hours, but notice was delivered, signed and a copy handed to me well before the 60 day limit. Paid off all remaining bills I rightfully owed XXXX XXXX on the way out. XXXX unfortunately could not be delivered until the day right after my final day because of their inability to follow their own listed office hours. Received notice that I owe an extra month of rent, while attempting to threaten me into paying more. Tried bargaining with me, offered to have me just pay water and other miscellaneous utilities for a whole month instead of rent, but I still refused since its not my fault they cant keep tidy records. 

XXXX XXXX ( currently owned by XXXX ) proceeded to sell this fraudulent debt to Genesis ( Colombia Debt Recovery LLC ) who sent me a letter. Upon calling to alert them of the fraudulent nature of this debt, they talked over me with threats and insults until the call devolved. Their operator ended the call with threats to garnish my wages, and me threatening to contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected now : XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$290.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$730.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$17000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX .... Balance : {$82.00} ; XXXX XXXX  XXXX .... Balance : {$22.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$78.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$4.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$140000.00} ; XXXX XXXX XXXX XXXX Balance : {$620000.00}

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 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, per the FCRA, I notified Bank of America that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

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 2022-04-18
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:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX  - Account # XXXX XXXX of XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dismissed- Reference # XXXX XXXX XXXX XXXX Dismissed- Reference # XXXX XXXX XXXX XXXX  Discharged- Reference # XXXX XXXX XXXX XXXX Discharged- Reference # XXXX, 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 : 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 of 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 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 2022-04-18
Company: Experian Information Solutions Inc.
State: MO
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 these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a 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 XXXXXXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 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 2021-09-21
Company: Receivable Solutions, Inc.
State: SC
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:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this agency. I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report. This company also seems to have committed identity theft due to myself never doing business with them about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX my XXXX was flooded due to excessive rain and was deemed a total loss. I immediately contacted Bank of America to let them know of the loss and that this was now being handled by my insurance company ( XXXX XXXX  ) and my GAP insurance provider. XXXX issued a check to BOA on XX/XX/XXXX in the amount of {$33000.00} for the value of the car. The remaining balance of approximately {$9100.00} was left, and we were waiting on the GAP to approve the remaining balance. The GAP claim was approved and they issued a payment of {$9500.00} on XX/XX/XXXX. 

BOA reported that there was a 30 day to my report and dropped my credit score significantly when they had received payment in XXXX from XXXX XXXX -- which means they did receive a payment and the loss was on XX/XX/XXXX. BOA stated that once they receive the check from GAP that they will backdate the payment to XX/XX/XXXX ; but they will not remove the 30 day late from my credit report. This is unfair and if they are going to backdate after they receive payment, they can remove the late knowing that this claim was under 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 2021-09-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been sending this company letter after letter for a year already for them to verify the information they have on file. After a whole year they have failed to update that information and have wasted my time. 

On the Accounts of XXXX XXXX XXXX and XX/XX/XXXXXXXX, Equifax has failed to provide the " Credit Limit ''. This is so unfair to me as a consumer as I'm trying to get my life together how are lenders suppose to get the correct debt to income ratio. 

I have all the letters and dates I have sent. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation