BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This company contacted my daughter, ex-husband, current employer, current husband with threats. The loan was taken out XX/XX/2018. They have now delivered papers to my employer that I have not seen because we are out for summer. When I called and asked about the loan and information, The representative told me good luck in court, and hung up on me. I have not seen any court paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I see unknown inquiries and accounts on my credit report that I didnt authorize

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 2023-09-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was scammed by someone and they sent me fake checks and told me to wire transfer them money. The checks were fake but despite my account having no balance, the bank allowed for the activity to go through and I have a negative balance that i have to pay back now and I called the bank several times, they either said they cant disclose anymore information about what happened or cant help me at all with my issue despite me explaining everything clearly about what had happened.

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: CBC Companies, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SEARS/CBNA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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: EQUIFAX, INC.
State: MD
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is still insisting I have a " Personal Finance Account '' with the exact same account number and company as my mortgage. In their response to my recent CFPB Dispute, they claimed to have " contacted the Data Furnisher and verified the Account ''. THIS WOULD BE IMPOSSIBLE SINCE XXXX WENT OUT OF BUSINESS IN XX/XX/2019 AND CAN NOT BE REACHED. As well, I could not have an active account with them since THEY NO LONGER EXIST! I would like Experian to explain how they " contacted '' a company with no working phone number, email address or physical address!!! Did they use telepathy? Smoke signals? What is the name of the person they spoke with, what day did they contact this person and where is the proof of my having two accounts with the same account number with XXXX when they no longer exist. 
According to the Fair Credit Reporting Act ( FCRA ), a credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. THEY THEY OBVIOUSLY DID NOT CHECK THE ACCURACY OF THIS NON-EXISTENT ACCOUNT SINCE THEY STILL BELIEVE IT EXISTS WITH A NON-EXISTENT COMPANY. They need to provide details as to how they " verified this account '' since there is no data furnisher they could have verified this with. XXXX DOES NOT EXIST SO IT'S IMPOSSIBLE TO VERIFY ANYTHING OR FOR ANYONE TO HAVE AN ACTIVE ACCOUNT WITH THEM!

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 2024-01-06
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.

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 2023-05-05
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/2018. 
XXXX XXXX XXXXXXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called or messaged Experian, XXXX and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all 3 that was not possible.

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: EQUIFAX, INC.
State: MD
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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX the XXXX I faxed the Fraud department a copy of my FTC identity theft report. I asked to have this account removed because the account is fraudulent. 

I also sent a Identity theft report to the Credit Bureaus to have the block the account from reporting. The credit bureaus blocked the account on XX/XX/XXXX. As of today XX/XX/XXXX JPMCB re reported the fraudulent account. 

I also faxed over police report and a FTC report to JPMCB they still haven't removed the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
State: MO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I accepted a promotional offer by Citi Credit Cards to do a balance transfer for car loan at XXXX XXXX. I used a check sent by Citi with which I was supposed to pay the remaining balance on the loan, which was {$2300.00}. After submitting the pay-off check to XXXX XXXX on XXXX XXXX, I later received a letter from XXXX XXXX informing me the check was returned to sender. This is reflected on a XXXX XXXX account statement indicating the payoff was reversed on XXXX XXXX. 

I therefore called Citi to inquire about the reversal. They informed they did not know why it did not go through and then recommended I send a second payment, so I authorized a second payment of {$2300.00}, the increase in amount accounting for interest accrued since the reversed payment. The second payment went through to XXXX XXXX, which was reflected on my XXXX XXXX account statement. However, my Citi account showed that both payments went through, both the {$2300.00} AND the {$2300.00}. 

I called Citi to ask about it, and they told me they would start an investigation into the payments and told me to tell XXXX XXXX that Citi would be calling. I then called XXXX XXXX to inform them of this. 

Several days later, I called Citi to ask about the status of the investigation. They did not know the status and could not tell me. They said they tried to get me in touch with an account specialist but could not get ahold of one and recommended I call back later. 

A week later, I called Citi again to ask about the status and hopefully get in touch with an account specialist. I was then bounced around to several departments, each one saying that they would transfer me to the correct person, none of whom actually helped me. Finally they directed me to a person purporting to be able to help, but she began asking the same questions that were asked when I first filed the dispute and told me to inform XXXX XXXX they would be calling. This didn't make sense as an investigation was already allegedly underway. I asked to speak to a manager and was put on hold indefinitely. I had already been on the phone for 41 minutes, so I did not want to wait any longer.

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 2023-09-18
Company: Velocity Portfolio Group
State: OR
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 have called to request validation of debt. Original creditor removed off of my credit report due to the fraud. They are still reporting even though they " sold the debt '' to a different collection agency.

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 2020-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Refund at XXXX against Chase debit card process approved, but it was to a closed account on XX/XX/2020. Called Chase, informed me to go back to XXXX. Went back onsite to XXXX and called Chase back together and Chase unwilling to assist. XXXX referred back to their sales admin staff. Called and talked to XXXX sales admin and they again redirected back to Chase. Went to Chase onsite and still refused to help and not willing to call XXXX together to resolve. Both parties are denying and unwilling to track down the funds. Amount owe that is in one of their suspense accouint is {$420.00}. It's been almost a month and they keep on shifting blame and giving me the runaround. This is also a Reg E violation as we informed Chase and there was no record, filing, and lacked follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX is my social security number on experian their is one negative item that shows 60 days late its a fraud account I filed a federal trade commission identity theft report on file. Please have experian remove the one negative item off my report they supposed to remove this item right away normally when you have a federal trade commission identity theft report on file the item is remove in24 hours they did a great job in removing the credit collection account last week. The only account that's negative is the one ending in 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 2023-09-18
Company: DISCOVER BANK
State: VA
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:
On XXXX XX/XX/XXXX  I received a denial letter from Discover stating that an application for a Discover it chrome Student Card was denied because status of existing/prior Discover account ( what that refers to is a bankruptcy filed that a previous account with Discover was included ). 

So I submitted a dispute with Discover and on XXXX XX/XX/, I received a letter from Discover stating a fraudulent application was submitted using my name and SSN # and Discover would not open an account or continue to process the application and that the inquiry would be moved from a hard inquiry to a soft inquiry. 

Discover said it takes 90 days for XXXX to update my report with the correction and yet it has been six months XXXX XX/XX/XXXX  and the issue has still not been corrected. 

I am requesting that it be removed from my credit report completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/23 I received a letter from Loancare LLC that my mortgage loan was transferring to XXXX XXXX on XX/XX/23. On XX/XX/23 I called Loancare and asked if I could make payment for XXXX in the amount of {$1000.00} and the phone rep said yes. I made a billpay from my XXXX XXXX checking to Loancare for {$1000.00}. The payment never posted on the Loancare website and my Loan was transferred to XXXX on XX/XX/23. As I write this today on XX/XX/23 my XXXX payment of {$1000.00} has not been applied to new XXXX website and XXXX website says I owe XXXX payment of {$1000.00}. 
XXXX XXXX XXXX XXXX pay has verified that I made the payment of {$1000.00} to Loancare. Loancare sent me email saying they paid {$1000.00} to XXXX on XX/XX/23. XXXX says they have not received payment from Loancare to my new XXXX account. 

I have spent countless hours gathering proof that I have made this payment correctly. Stealing {$1000.00} is a felony and if this payment is not applied I will be receive fees and my great credit rating will be destroyed. 

I have proof from XXXX XXXX that I made my XXXX payment to Loancare XXXX. 

Please help me. I have never missed a loan payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
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:
CBHV Reference # XXXX is reporting inaccurate information to the credit reporting agencies I have reached out numerous times through certified mail to this company to resolve this issue. I demand proof of this alleged debt specifically the physical contract bearing my signature, according to 15 USC 1692g ( b ), a debt collector shall send the consumer a written notice containing, amount of debt is owed to, and verification of the debt or copy of a judgement, according to Black 's Law Dictionary Verification Means : Confirmation of correctness, truth, authenticity, by affidavit, oath, or deposition. CBHV has not provided physical evidential documentation regarding this debt, but they have verbally communicated to the collection agencies the alleged debt is verified without providing evidence of the debt, amount owed, the original contract bearing my signature, I have no account with this company, nor am I or have ever been a customer, nor have I entered a contract with this company. Regarding my demand for proof, you have not supplied the demanded proof of the alleged debt, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15 USC 1692 ( a ) Congressional findings : you have violated me by invading on my privacy, for one having my personal information without my consent and furnishing information to third party agencies buying and reselling my information without my consent. If this reported information to the credit agencies is not removed a Lawsuit will be brought against your company. Further, because of the nature of these violation your company have committed against me, I'm asking for XXXX per violation. This is for your company causing distress, many missed nights of sleep and headaches. This letter is to serve as a formal complaint with the CFPB, FTC, Attorney General and the XXXX

Company response to consumer: Closed with explanation