BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I tried to contact Allied Collections and kept getting transferred out to offers for insurance and extended warranties on vehicles from which I wasnt there to call for. They never gave me notification of collection OR did they try to reach me at any point in time between when XXXX had it. XXXX, on a phone call, verified that they would not send the debt to collections since XXXX dissolved XXXX into the latter, therefore buying out all debt of 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 2022-11-15
Company: Genesis FS Card Services, Inc.
State: RI
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 received notification on XX/XX/22 from XXXX XXXX regarding a new Hard Inquiry on my XXXX Credit Report from CB Indigo. Knowing that I had not recently applied for any new credit, I contacted CB Indigo on XX/XX/22 at XXXX using the information from the Inquiry section of the Credit Report. I spoke with XXXX ( XXXX ) asking if a new application was submitted in my name. She confirmed there was an application submitted after I provided her with my Name, Address & Last 4 digits of SSN. I told her that I did not apply and that this was a fraudulent application and also asked her to notate as Fraud and Cancel/Withdraw the application. I also asked that the Hard Credit Inquiry be removed due to Fraud. She transferred me XXXX ( Account Manager ). I explained what had happened again and was told that they are unable to remove the Credit Inquiry and I would need to contact the Credit Bureau. 
I then went to the XXXX website ( same day ) and spoke to XXXX ( Agent ) via Chat feature and explained everything that transpired and my conversation with XXXX and XXXX at CB Indigo. XXXX confirmed the Hard Inquiry and told me that Inquiries are not able to be disputed with Credit Bureaus and they need to be removed by the Lender. He assisted with sending a notification to the Creditor stating that I didn't recognize the Inquiry to see if they would remove it with that and told me to check back a week later ( today ) and see if the Inquiry was removed. If the Inquiry was not removed ( which it has not been ), then I would need to either file a Police Report or an FTC Report. Once either of those had been filed then I would need to send it to XXXX for them to get the legal authorization to remove the Hard Inquiry. He mentioned that was the only way they can get Hard Inquiries removed. 
When I went to the FTC website to report my Issue ( Credit Reporting ), it brought me to the XXXX XXXX. 
I am really having a hard time understanding why this is such an extensive process to remove a Hard Credit Inquiry for an application that is Fraudulent. I never gave my permission nor applied for any Credit with CB Indigo. I do also have a Fraud Alert/Consumer Narrative on all 3 Credit Bureaus , so if CB Indigo did their due diligence and contacted me using the contact info provided in Consumer Narrative section on my Credit Report, I would have confirmed Fraud at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I received a check from my friend that was sent to me through his account bill pay. I deposited the check and my account Chase decided that they needed to close my account. A few days later I received a cashier 's check for the amount of {$1900.00} which did not include my deposit of {$10000.00}. When I called Chase they said that they needed to verify the issuer and only then will they send me the check. We did verify all the information including and Chase promised to send the check. After a few weeks I decided to call Chase again as I had not received the check and they told me that the issuer should recall the check. So the issue called his financial institution but XXXX XXXX assured us that the check was cashed and no recall was possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00}

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 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into a new savings account on Saturday. I was told and given a printout that stated that part of the deposit would be available on XX/XX/XXXX and the remaining would be available on XX/XX/XXXX. The " bank '' has now put a hold on the check stating that they are not sure that the bank check I received from the sale of a home will be funded and they are keeping a hold on the check until at least XX/XX/XXXX. I called the bank today to find out what was wrong as I needed the advanced funds to pay bills that are due on XX/XX/XXXX and I will default on my bills if I don't have the promised advanced funds. They said that there was nothing they really could do but were appealing to see if they could get some of the funds released but they will not know about that until Monday. I am desperate to get my money and they are not helpful at all. The fact that they can decide if and when I get the check deposited and then determine that I am not eligible for the advanced funds that were promised. I am a 31 year customer of this organization.

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 2019-08-25
Company: First Federal Credit Control, Inc.
State: FL
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 previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. account : 1. XXXX XXXX XXXX XXXX   {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
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:
These Corporations, EQUIFAX XXXX, XXXX XXXX, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR AS BEAT IN A FEDERAL COURT OF LAW! I WILL NO MEASURE TO NOT CUT YOUR COMPANIES INTO FRIGHTENING LITTLE PIECES AND HAVE NOT ONLY YOUR FAMILY LOOKING AT YOU IN HORROR AND DISBELIEF WHILE I THE ORIGINAL " ALLEGED CONSUMER '' THROUGHLY THROWS WHATS LEFT OF YOU ACROSS YOUR CREDIT REPORTS AND SQUEEZE WHAT'S LEFT OF YOUR COMPANIES ACROSS WHAT LEFT OF YOUR LYING CORPATIONS NAMESAKES. I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! One cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has been harassing this household since at least last year. They are calling for a family member who does NOT live here or at this number. They call from different phone numbers. They have been told the above information but they still constantly call. They hang up on answering machines. I have pictures of the caller ID to prove this. Here is a sample of there harassing calls. From XXXX on XXXX at XXXX and XXXX. From XXXX on XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. They clearly spoof their numbers most likely to avoid being blocked from one number. I do not know what they are looking to collect or if any debt is valid. There is plenty of negative information on the internet about this companies illegal practices. Threatening and harassing this household is no longer acceptable. They are looking for someone that, again, does not live here, and they have been told that endless times. The calls must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 explanation
Consumer complaint received 2018-03-13
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
InXX/XX/XXXX I received a letter from XXXX a debt collector about a XXXX account in the amount of {$510.00}. I made arrangement with that company and paid the debt off inXX/XX/XXXX. XXXX XX/XX/XXXX I received a letter from another debt collector XXXX XXXX for the same XXXX account. I informed them that the account has been paid and they asked me to send them proof. I called the company XXXX and asked if they could send me a copy of the letter sent that my balance for XXXX was XXXX and they did. I emailed the letter to XXXX as instructed proving that the account had been paid in full. 

A few days later a change had been made on my credit report where I had gained points because XXXX zeroed my balance. I was satisfied until a few days after that my account was deducted some points and when I checked it was the same company ( XXXX XXXX ) had put the debt back on my account. 

I have been going back and forth with them about this issue and correcting the problem and it doesn't look like they are trying to resolve the issue.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Pursuant to 15 USC 1601, economic stabilization would be enhanced and competition amongst financial institutions would be strengthened by the informed use of credit. I am attempting to avoid the uninformed use of credit, and to protect my self, the consumer, against inaccurate and unfair credit billing and credit card practices.

Pursuant to 15 USC 1681, The banking system is dependent upon fair and accurate credit reporting. I have been discriminated against as a consumer, the natural person.

Pursuant to 12 CFR 1002.7, I applied for an extension of credit through XXXX XXXX  and XXXXXXXX XXXX in good faith and was denied. XXXX XXXX and XXXX XXXX accepted my credit card ( social security # ) initially during the application process but I received no benefit for this consumer credit transaction. It is unlawful for a creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction done in good faith. I can not find where it is lawful to be denied for the reasons that were provided to me in the adverse action letter. 

Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX determined my creditworthiness via a third party affiliate, XXXX. XXXX XXXX  which I did not give written instructions to give reports on me. Further, this consumer reporting agency has never contacted me so this constitutes identity theft ( unauthorized use of credit card ) considering the fact I, the consumer, have never spoken to XXXX XXXX XXXX personally. 

Pursuant to 15 USC 1681b ( c ) ( 1 ) ( A ) and 15 USC 1681b ( c ) ( 1 ) ( B ) ( ii ), Whatever has been reported on my behalf to XXXX XXXX XXXX XXXX XXXX  was never authorized by me, the consumer. Furthermore, XXXX. XXXX XXXX is not compliant with 15 USC 1681b ( c ) ( 2 ) ( e ).

Pursuant to 15 USC 1611, XXXX XXXXXXXX XXXX XXXX XXXX  has willfully and knowingly furnished me false and inaccurate information in regards to this extension of consumer credit. I know I am the original creditor and it is a right GRANTED to me and shall not be denied.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification. 
I will attach my credit report you will see the clear errors. 
from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.

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 2022-07-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2023-03-14
Company: SYNCHRONY FINANCIAL
State: MD
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:
I have contacted Paypal Credit multiple times regarding my current line of credit with them. I have informed them that I am XXXX XXXX military and requested the interest rate reduction from the standard 24 % to a maximum of 6 %, as per the SCRA. Each time I have verified my address and have waited for the requested forms to come in the mail and nothing has arrived. I submitted my written complaint to the company stating this continued issue and that I will submit a complaint to CFPB if it is not resolved soon. I was told that the issue has been sent to cooperate offices and I will receive a written response within 7-14 days. That time has passed with nothing received either physically or digitally, I have spent months trying and being patient with the company but am getting nowhere. 

I have attempted to contact their head bank Synchrony but it always directs me back to Paypal Credit.

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 2022-11-15
Company: EQUIFAX, 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 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 items ( A ). It is not permissible to fail to validate these reporting items 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Credit Collection Service 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 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 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief