BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/2023 midland credit management Delivered a lawsuit to my mailing address. 
The lawsuit states that I owe them in the amount of {$1500.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume no of the alleged debt, therefore any debt in fact exists. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The debt collector has provided proof that that I was never under contract with them and they purchased the debt from the original credit. My signature is not listed on any paperwork or letterhead from myself to midland credit management stating I was pay them for services provided to me. 

See attached photos showing signatures from The original creditor and Midland credit management. No where is my signature included agreeing to pay any amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
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:
Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas XXXX, XXXX, experian

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 2016-02-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX had continue to charge me every month for two and a half year 's for a cell phone that i was not using during that period i was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card
Issue: Credit determination

Complaint:
I joined XXXX to check my credit score. I have a delinquent/derogatory Bank of America credit card account listed. I 've never had a BOA credit card. The account was opened in XXXX, I was born in XXXX. It was closed in XXXX. How do I get this removed from my report?

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 2023-07-12
Company: Climb Credit 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: Account information incorrect

Complaint:
I co-signed my son XXXX XXXX 's private student loan with Climb Credit, during XXXX we assume that Climb Credit loan was on pause and could not able to make payments. In the XX/XX/2023 I contacted Climb via email with the pay to delete offer and I received response back from Climb Credit on XX/XX/2023 that account has been charged off to XXXX now. XXXX enclosed. I contacted XXXX and paid off the balance and remove the negative enquiry from my credit report. Which XXXX did but despite my repeated requested to Climb Credit to remove negative reporting on my credit report it is still showing that me and my son owe balance of {$21000.00} which is hurting badly as I am in process to buy home and being denied for home loan. Every time I contact Climb Credit to remove negative reporting of credit bureau specially XXXX and I have not been able to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My Nelnet loan was paid in full, to a XXXX balance, on XXXX/XXXX/16. Nelnet then withdrew another payment from my checking account on XXXX/XXXX/16, even though I had a XXXX balance showing on my online account 5 days prior. A phone rep said the withdrawal of extra funds past the XXXX balance was my fault, since I did n't cancel autopay. I asked where the policy of taking money from customers with a XXXX balance was on their website ; I have never heard of any company that auto debits customers with a XXXX balance. The rep said I will get a refund back 4 to 6 weeks ( with no interest for me of course ). Nelnet needs to stop the practice of taking money from people with a XXXX balance. A XXXX account balance should trigger a Stop Pay. And if Nelnet does over bill, they should refund any money they took in error immediately, not 4-6 weeks later. I requested written communication from them describing exactly how and when they intend to refund the money ; I 'm waiting to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CITIBANK, N.A.
State: TX
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:
Good Afternoon, I filed a credit card dispute with Citi for the purchase of a car where the company ( XXXX ) holds a portion of {$4000.00} before purchasing the car. The car was not purchased and was still charged the amount. There is no phone number or contact us on their website, nor did they have any kind of notification of a return / arbitration policy. After searching the business through a few review sites, I found another reviewer who had the same problem but had it resolved in his favor. A simple search of " XXXX reviews '' on XXXX will find a 2.5 review on XXXX, and another " My ( miserable ) experience with XXXX XXXX XXXX ''. After doing this research, I found that they have a very bad track history with zero communication and service. They will not reply through email, nor will they answer the phone. They have taken my money and left! This has been extremely stressful and I sincerely hope this could be resolved. When I filed my dispute, Citi reversed the credit and told me " good luck '' after XXXX said they do not do returns. There is nothing to return if I did not receive anything! I thought Citi was on my side.

Regards, - Hopeful Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Controlled Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/23 {$2700.00} I called at least 10 times and sent messages through the portal. They used the wrong code when billing insurance. The XXXX should be 100 % covered. They were suppose to rebilled insurance with the correct code and failed to do so now they sent the bill to collections. 

They have also sent the debt to a debt collection even though the patient portal states part is still pending insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
apartment complex, Lofts at XXXX XXXX XXXX XXXX XXXX XXXX Texas, claim that i was a " no show '' and have filed it on my credit report- i went to look at the apartments 1 time with my mom, thinking about going to college in XXXX XXXX Texas ... i had been told by apartment management that i did not qualify on my own for 2 reasons - age XXXX ( minor ) and no credit history at all.. I have received collection letter stating i owe {$8400.00} from collection agency Law offices of Brett M. Borland P.C.. phone # XXXX, on XX/XX/2020 this office advised me to send them an email to XXXX in which i did to explain the scenorio and there is no documentation because you dont receive documention when you go to LOOK at an apartment. At NO time did i or anyone sign a lease agreement with this complex. 

i have tried to call numerous times to the actual apartment complex and apparently they sold, so they can not provide me with new owners information or phone # to contact AND they say when they sold they sold the books along with it ... .apt phone # XXXX I feel like I am being scammed by the apartment complex for this debt. 
and it is now on my credit report.. I have filed credit dispute, i have tried numerous calls, i have sent email to collector ... 

Please help ... Sincerely XXXX XXXX ph. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I was checking the balance in my B of A XXXX card account and found that the account had been drained of all its funds, {$2200.00}. I contacted B of A and they said they would review the issue and get back to me. I received a letter dated XX/XX/XXXX stating " no error has occurred and considered the claim resolved. '' Calling them again, I explained that I did not draw the funds out and that I was the only XXXX with the password. No other family member had that information. I tried to find out where the money went and all they would confirm was that it didn't go to my usual bank account, but they couldn't say due to privacy issues. I contacted them XXXX additional times to please investigate further and let me know where the money went. They would only say that it was a transfer to another account and the transaction in question was authorized and posted correctly to my account. Claimed Resolved. ( Received XXXX additional letters dated XXXX and XX/XX/XXXX duplicate to first letter ) Obviously, they didn't do much research. The evidence they sent me was a copy of my regular statement. No information was ever sent as to where the funds went.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

Please See Attached Documentation 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.

15 U.S.C 1681c. ( a ) 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.

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 2022-12-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Complaint # XXXX was closed Inappropriately. 

Federal & State Banking Laws REQUIRE That a dispute process be followed by the Credit provider and bank. Synchrony Failed to comply with the Required process, and state, Federal & Regulatory Banking Laws & Regulations. For that I am Unsatisfied with the mishandling and improper closure of the above file. I want it re-opened and instruct the bank to find the dispute in the consumers favor as required by law. 

Further, This bank & merchant committed Bank fraud and a Ponzi scheme by charging multiple persons for the same singular purchase. In effect requiring the Consumer to give this merchant & business an interest free loan by a consumer! 

The merchant Violated the contract honoring the lowest price after the sale. 
The merchant XXXX XXXX XXXX Responded multiple times to a totally irrelevant and non related matter to my dispute. There by requiring that Synchrony Bank Close the Dispute and rule in the consumer 's favor as required by Law and banking regulations governing how disputes are to be processed and handled. 

This complaint needs management review and an order to Synchrony to close the dispute correctly in the consumer 's favor.

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 2018-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had a Chase checking account for several years. I have my social security direct deposited into my checking account. Just over 2 months ago I learned my account was over {$2000.00} in the negative. I called social security to stop my check from being lost to Chase 's overdraft practices. I was unable to stop it in time and lost half of my limited income. I filed an investigation with the bank and some those funds were returned to me. I got a new debit card. I had my social security direct deposited again. Before I realized it the same thing happened again. I called and tried to have the account frozen. No one would help me. I received a letter from Chase saying I was right and the money they returned stood. But I still lost my s.s. check which sent me and my bill paying into a spiral into a deep hole. I had to leave my home and am now XXXX  and will probably lose my vehicle as well. As soon as my new card came in, new strange charges again appeared on my account. I called and complained. I was told to go to a branch for help. I did and was told that since I had already received help they were not going to help me again. I had again had my s.s. check direct deposited thinking everything was straight. Not only did I lose it but instead of just {$1000.00} in the negative I'm now {$2000.00} in the negative even after again losing my s.s. check again to the Chase bank. Over the past two weeks I've been dealing with storing my belongs, finding a place to stay temporarily. ( I live with my adult son who has been fighting his past and struggling to get a job so we r both XXXX ) and have not been able to physically go to a Chase location. I plan to on wednesday but from my last reception I don't expect much help. Of course on top of all the bogus charges are the bank overdraft charges. I have ordered the government direct deposit card and my next check will go there but that won't happen for another three weeks. In the meantime I can't pay any bills, I can't buy food, gas, etc. I have no money to pay to get into an apartment. 
My biggest question and complaint is why didn't Chase stop these charges before Chase allowed this situation to completely destroy my life. I don't know where to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these XXXX mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. 
I thought this was the day trader willing to give me training and invest my money. 
This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached ). I sent a total of XXXX dollars to the website XXXX XXXX XXXX using the bitcoin wallet address XXXX. I was told I will receive my money back in XXXX hours. I then came to the conclusion he was not the real " 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

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