BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX but not XXXX or XXXX. 
I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : lockhart morris and Montgomery Account Number : 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 a account without my written instructions I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you al- low me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountabili- ty Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXXXXXX XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as fol- lows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Delete this account immediately, unless you want to be held {$1000.00} per violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my home and no longer have a phone number. Chase bank says they can only help me if I call in, which i have no options to do so. I am filing for bankruptcy and have made several requests to them for a copy of my credit card application and they refuse to send it to me. I need this information to proceed and they are holding it up by withholding this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: P&B Capital Group, LLC
State: MO
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:
To whom it may concern, I am writing in regard to a collection account that has been reported on my credit report. The account in question is with P & B Capital LLC ( third-party agency ) is being reported as past due and open. However, I believe that this information is inaccurate and should be immediately deleted from my credit report.

I have reviewed my records and have found that I am not responsible for the debt I am being accused of. Therefore, the current status of the account is not accurate and is causing harm to my credit score and ability to obtain credit.

I am requesting that the inaccurate information regarding this collection account be immediately deleted from my credit report. I am also requesting that you provide me with a written confirmation that the account has been deleted and is no longer being reported to other credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), collection agencies are required to report accurate and up-to-date information to credit reporting agencies ( CRAs ). If a collection agency reports inaccurate information, such as reporting a collection debt as open and past due when it has actually been paid or settled, they may be in violation of the FCRA.

Specifically, section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that furnishers of information to CRAs, such as collection agencies, must provide information that is " complete and accurate. '' This includes reporting the correct account status and balance information.

Additionally, section 623 ( a ) ( 2 ) of the FCRA requires that furnishers of information, including collection agencies, investigate disputes that are submitted to them by CRAs and correct any inaccurate information.

I understand that the Fair Credit Reporting Act requires that you investigate disputes within 30 days of receipt and correct any inaccurate information. I would appreciate your prompt attention to this matter, as it is causing me undue stress and financial harm. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2022 I discovered that I was the victim of identity theft. Several accounts were opened in my name without my authorization. I am extremely upset about this situation, and I would like to have the inaccurate accounts, addresses and inquires removed from my credit report as soon XXXX possible. I have a XXXX fraud accounts XXXX XXXX and XXXX XXXX XXXX. I have XXXX unauthorized inquiries XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX Ser XXXX. XXXX XXXX XXXX XXXX XXXX  I have XXXX fraud addresses XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX WI XXXX Thank you for your help in this matter. I would appreciated if you could take care of this situation as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Was not notified of investigation status or results

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021, I was a victim of IDENTITY THEFT. Several accounts were opened under my name and I have completed a POLICE REPORT FOR IDENTITY THEFT and an FTC REPORT FOR IDENTITY THEFT AS WELL. XXXX XX/XX/XXXX XXXX sent me a bill for an account that it not mine nor I did open. I sent them some documentation on XX/XX/2021 and as of XXXX-21, no reply yet. I am attaching a second letter with the different reports. As of today mi CREDIT has been ruined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
1. On XX/XX/2022 I received an email from Bank of America that I will be receiving a replacement credit card ending in XXXX for my card that will soon expire. 
2. On XXXX XXXX, 2022 I received a text from BofA, while at work, asking if I made a purchase for {$1000.00} from XXXX XXXX XXXX I replied NO. I also verified if this was a legitimate text message and checked my BofA mobile app. 
3. I immediately contacted BofA via phone and talked to customer service. At that time I have not realized that the replacement card they sent me via XXXX was stolen. When asked I honestly told them that I still have the card with me. Person did not asked if I received the replacement card which I have not. He had the XXXX card deactivated and said they'll send a 2nd replacement card. Numerous calls made and I found out that the replacement card is already activated when shipped. Previous cards I received from them has a sticker that says call this number to acrivate card. 
4. I received an email stating that I'll receive a card with a new account number and this time with a tracking number. I received 2nd replacement card via XXXX XXXX XXXX XXXX. 
5. On the 2nd replacement cards I received it have stickers that says " Ready for use ''. 
6. I regularly call BofA fraud claim, I told them that I did not made the purchase in XXXX store on XX/XX/2022. I did not authorize anyone to use it on that day. 
7. I received an email from Bof A on XX/XX/2022. It says it rejected my claim and I'm on the accountable for the purchase since it was made using my card, pin was entered and signature made. 
8. On my credit cards with BofA I'm not required to enter a pin, sign or show my identification when making purchase. 
9 As of today I have not received the 1st replacement credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires removed.

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 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen around XX/XX/2022 Made a XXXX $ claim the bank denied the claim and closed the case unpaid showing that it was paid. Want to collect my funds.

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 2023-09-06
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I made a payment to my credit card in the amount of {$19000.00} which was reflected on my XXXX billing statement. No updates were made to the credit bureaus so I filed disputes with XXXX and XXXX regarding the balance amount as it was still showing that I owed {$20000.00}. 

On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was correct and that my dispute was closed. 

On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was accurate despite me uploading a copy of my most recent XX/XX/2023 bank statement showing the accurate amount. 

By the looks of my reports, it doesn't appear RBFCU has provided an update to these two bureaus since XX/XX/2023, which is concerning considering that XXXX is showing correct information. Due to RBFCU 's failure to update credit bureaus in a timely manner, has caused undue hardship in trying to secure alternate financing, and as a long-term member, I can not understand why something this simple has become an ongoing issue.

About a week ago I wrote in and asked this question and received a response ( that's not been removed from my account ) asking me to call in based on my question. I called member services on XX/XX/2023 and waited o ver 20 minutes to be transferred to the credit department only to be told they couldn't help me and that I could email their credit disputes email address for assistance. I simply would just like my information accurately reported in a timely manner just as it has always been on a monthly basis. I am not understanding why this time is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: LA
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:
They are reporting a fraudulent car loan to my credit report. The dealership XXXX XXXX and California informed me they when they approved this fraudulent loan they did not even ask for identification or a ssn card until several days later. See attached police report old and new

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 2020-07-30
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Copy of cashed check, front & back - No. : XXXX, {$970.00} Further to CFPB Case Number XXXX, PHH Mortgage Services, XXXX. XXXX XXXX ; XXXX  XXXX, NJ XXXX, former mortgage servicing agent for XXXX responded to the above referenced complaint that Escrow Refund Check Number XXXX, amount {$970.00} ( copy attached ) was replaced with New Check Number XXXX XX/XX/2018 and cashed XX/XX/2018. 

I have requested numerous times a copy of the cancelled check, front & back and have not received it. PHH is no longer the mortgage servicing agent for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased XXXX XXXX service in a new subdivision in 2020 because they were the only providers at the time. They had to come to the house several times. Independent contractor could not get servive to work and would not return. XXXX XXXX XXXX  got service working but clouds kept interrupting service. I called in over XXXX times finally I was told that I would get a final bill due to poor service area of around XXXX after all my troubles. When I finall got a bill it was for XXXX from collections I'm pretty sure it has been sold to other agencys 2 or 3 times and my score has dropped on several ocassions for the same collection debt. I will pay what I owe. I never had service for a solid week. It should be in the notes from me calling in until they agreed about my poor inconsistent service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am a XXXX year old person on Social security and my checking account had low funds and when withdrawals were coming in and the bank paid they charged me {$36.00} per item. My complaint is two fold ... .a wrongful withdrawal of {$150.00} was withdrawn I called the creditor and corrected the situation because I had paid them some time ago and loan had been closed. The bank charged me {$36.00} again. The creditor refunded the money but not the bank as of this time. 
2 ... I currently owe {$310.00}. In bank fees. 
I am returning items to get credits to increase my account but if n no way will that pay off {$310.00}. 
{$36.00} fee is exorbitant!!!!!. There's no way the bank should be! making a profit off of myback. 
They will not waive any fees. 
This fee amount is so unfair to any customer and in this time of covid they have only hurt my life.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX  ( Finance ) INQUIRY IS FRAUDULENT FROM XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX ( Bank ) XX/XX/XXXX INQUIRY IS FRAUDULENT XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  ( Construction ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX ALL THE INQUIRIES ABOVE ARE DUE TO IDENTITY THEFT AND IS FRAUD AND TRANSUNION AND XXXX REFUSE TO REMOVE THIS INQUIRIES FROM MY CREDIT PROFILE SINCE IT IS INACCURATE INFORMATION

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 2023-07-03
Company: EQUIFAX, INC.
State: OK
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation