BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: NCB Management Services Inc.
State: TN
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:
XX/XX/XXXX : I wrote a letter requesting validation for the debt in the amount of {$3500.00} NCB claims I owe them along with What the money they say I owe is for ; An explanation for how they've calculated what they say I owe ; Provide me with copies of any papers that show I agreed to pay what they say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on the alleged account ; Provide proof that they are licensed to collect in my state ; and Provide me with their license numbers and Registered Agent. 

I, also, requested that they cease contacting me by phone, and only correspond with me via mail. They have not honored this request as they call everyday. 

They responded with a letter dated XX/XX/XXXX, stating that they were unable to substantiate the allegations in my dispute. They continued to report the unvalidated account on my credit report. 

On XX/XX/XXXX I sent another letter to them requesting validation again. I reminded them that they had failed to provide me with a copy of any viable evidence bearing my signature or showing the account is being reported accurately. 

I received no response. 

On XXXX XXXX I re-sent a similar letter giving them a chance to provide documentation with my signature on it that proves I owe them the debt they're claiming I owe to them. 

They responded with a letter dated XX/XX/XXXX stating that they were unable to substantiate the allegations in my dispute. They continue to report the unvalidated account on my credit report. 

I have, also, written letters to the 3 credit bureaus to no avail. The only change that NCB made to my credit report when I reported to the bureaus, was adding a year to the " on record until '' date, which can only mean it's inaccurate now or was inaccurate before. I've asked them remove the account from my credit report if they are unable to validate or are reporting inaccurately, and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I'm trying to open up a new bank account and I can't it won't allow me to say something about identity theft

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 2022-01-19
Company: JPMORGAN CHASE & CO.
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 noticed a hard pull on my credit report showing on XXXX " only '' that was done on XX/XX/2021. It shows JPMCB-Card Service. This was not me applying for new credit. Ironically, I already have a card with JP morgan chase and have more than enough available credit on that card. I spoke to JP Morgan card services ( both the fraud department and new credit applications department ) and was told someone applied for new credit on XX/XX/2021 and it was determined to be fraudulent. New credit was denied. They also said they have sent notifications to the credit bureaus stating this was fraudulent and it should have been removed. As it doesn't show on other credit bureau reports, this would appear to be the case ( currently staring at the XXXX report ). I now have fraud alerts with all credit bureaus in case this happens again. I have spoken to XXXX and was told they have not received information from JP Morgan card services. I also disputed this hard pull with XXXX which did not solve the problem. XXXX continues to state they haven't received the fraud info from JP morgan and JP morgan says they sent out the info. Somebody is not telling the truth here and I just want this resolved and removed from my credit report. One hard pull would normally not be a huge deal. However, I'm currently trying to refinance my home. A new application for credit when you are trying to refinance a house is a big red flag to mortgage companies. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for a debt validation letter from the company portfolio, recovery sometime early in XXXX but never received, that and the lady I spoke with assured me that the letter will be going out and I never received any letter but I kept receiving the harassing calls, and long and behold. I viewed my credit report and they reported it to my credit XX/XX/XXXX which they never sent me the validation of debt letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: LA
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:
Right now I am bothered! This is my last and final attempt to file a complaint in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... ..these debts was obtain without my permission and I have filed identity theft report ... please remove from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
Re : Second Complaint Regarding Unverified and Inaccurate Collection Accounts on Credit Reports I am writing to file a follow-up complaint concerning multiple collection accounts that have been inaccurately and inconsistently reported on my credit reports by XXXX, XXXX, and Experian. This letter serves as a continuation of my efforts to resolve these discrepancies, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : XXXXXXXX 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/DEPT OF ED XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXXDEPT OF XXXX XXXX/DEPT OF EDXXXX  XXXXDEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXX XXXX/DEPT OF EDXXXX XXXX/DEPT OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my previous attempts to rectify these inaccuracies , including direct disputes with the aforementioned credit bureaus and the collection agencies, the errors persist. Each credit bureau reports different information about these same accounts, which is a clear indication of inaccurate reporting and a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.C. 1681i, I have the right to challenge inaccurate information in my credit report, and the credit reporting agencies are legally obligated to conduct a reasonable investigation into these disputes. However, the responses to my previous disputes have been unsatisfactory, and the inaccuracies remain unaddressed. 

According to 15 USC 1681 : I HAVE THE RIGHT TO PRVACY AND I DID NOT GIVE XXXX, XXXX OR EXPERIAN WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

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 2023-12-03
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Fristbank of Puerto Rico loan loss due to hurricane XXXX in XXXX.the debt collection is XXXX the car had a gap insurance that had to be paid .l am disputing it with the credit agencies. Puerto Rico was devastated by hurricane XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Beginning XX/XX/XXXX, XXXX XXXX XXXX engaged in a scheme securitization scheme. XXXX XXXX XXXX sold and transfer contract to Toyota Motor Credit Corporation, then sells the account to XXXX XXXX XXXX XXXX XXXX, who created the holding/issuing entity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Trust securitizes and transfers the securities certificates back to XXXX XXXX XXXX XXXX XXXX XXXX who then sells the security certificates to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX then sells the certificates to investors while simultaneously collecting offering from investors. After the offering proceeds are collected by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, aforesaid proceeds are then transferred to Toyota Motor Credit Corporation then transfers the funds the the trustee, XXXX XXXX XXXX XXXX. 

Complaint Includes : Auto loan securitization and debt collection scheme Unjust Enrichment Violation of the Fair Credit Extension Uniformity Act Violation of Fair Debt Collection Practices Act Intentional and Negligent Infliction of Emotional Distress Racketeer Influenced and Corrupt Organizations Mail Fraud Request for Relief Complaint and requested documents were sent via Certified Mail to XXXX XXXX, XXXX XXXX on or about XX/XX/XXXX. 
Pursuant the Freedom Act Audit Trail Calculation of Balance Accounting Records ( Private and Public ) Accounting request regarding list of collateral or statement of fact Notice of Billing Error Cease $ Desist Notice Requested documents have not been received as of XX/XX/XXXX. 

Federal Lawsuit was filed containing all defendants on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, XXXX  {$120.00} Open balance XXXXXXXX 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 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 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 15 U.S.C 1681 section 602 A.Clearly 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 Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These following inquiries are unauthorized : 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 2021-01-26
Company: CMRE Financial Services, 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 status incorrect

Complaint:
On my medical bills, I have california, XX/XX/XXXXcompensation I have had it for 26 years and they still don't bill it I even worked at one of the XXXX  for 16 years and they still don't bill it correctly. I have this years new award letter. I get every year.Due to Complex XXXX I have XXXX XXXX  and XX/XX/XXXXXX/XX/XXXXbut why do I have to have had credit because they don't do it right.a victim should be victimised by the bill for treatment on her credit. Just saying.so please remove it and after being told 26 years to bill it right can't u make a note on ur system instead of bringing my credit down cuz someone didn't bill it properly XXXX  I have XXXX debt on credit and most is medical and can email u a copy of award letter please remove it thank u and I apologise but I'm trying to buy a car and I shouldn't have to do your companies billing just so I can have a proper credit rating to buy a car. Please don't be offended I know how billing Is I understand but from this side I have to fix the billing on my medical before I can buy something for 26 years it gets old. I was abudted in XX/XX/1993so that's along time of fixing it Everytime I want to buy somethint. Thank you have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2022-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This morning, XX/XX/2022, I requested a {$1000.00} credit limit increase on my Citibank Best Buy card via their website. After submitting this request, I was notified by my credit monitoring app that they had done a hard inquiry on my credit report. I was never notified prior requesting the limit increase that a hard pull would be done, nor have I ever seen a hard pull done for a limit increase request. 
I messaged Citibak/Best Buy via the customer service portal on their website and requested that they remove the hard inquiry from my credit report. Their response was, " Our system is programmed to facilitate a fair and accurate credit report review. Until you apply, we are unable to anticipate whether the resulting credit check will be a soft pull which does not impact your credit, or a hard pull which may impact your credit. '' This response is unacceptable since they did not notify me in any way that any pull would be done, particularly a hard pull. Had I known they " may '' do a hard pull, I would not have requested an increase and would instead have applied for a new card with a different 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 2023-11-25
Company: EQUIFAX, INC.
State: TX
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:
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase Bank, who arbitrarily and capriciously closed my checking ( 2 ) and credit card account effective XX/XX/XXXX, due to retaliation for complaining of discrimination when the VP of the XXXX, Illinois branch treated and proceeded to call the police on me instead of directing me to file a complaint with Chase Executive Offices regard XXXX XXXX, whom discriminated against me in their store, who agreed to waive all fees and deposits associated with a tiller rental, but then decided to bill my checking account for {$50.00} and {$150.00}, in which only {$150.00} was returned in a timely manner. The VP XXXX XXXX. She lied yo the police and accused me of using 'racial slurs ' when that was not turn, and the officer refused to review the security footage which shows me leaving the bank. XXXX did not put me on a no-tresspass list at the time ; however, after filing a complaint against her with Chase Executuve office , I was informed on XX/XX/XXXX after discovering my credit card account was closed and I was unable to get funds from my account at the bank, that they were closing all of my account XX/XX/XXXX, though the took steps to restrict access to my account and close two of the three of my accounts prior to that date. This is summarized in a previous complaint : XXXX. 

However, since the first complaint, XXXX discovered that Chase not only had been illegally monitoring my account, but comprised my personal information when they alerted me in XX/XX/XXXX that my information had been released on the dark web, in an attempt to further harass me and cause me distress, as Chase had no business monitoring any of my accounts if we no longer have a banking relationship and most likely released this information themselves due to further retaliation, since they never provided me an opportunity to enter into a repayment plan for my credit card account, which stayed open until they charged it off on XX/XX/XXXX, and they reported my late to the credit bureau for six months. They kept assessing late fees which made it hard to pay my bill, and would not allow me to enter into a repayment plan. XXXX had never been late on her credit card payment in the nine years she has had her credit card with Chase, and has damaged credit as a result of their bad faith, and mailcious retaliation for complaining about discrimination ( 'banking while XXXX ' ), at their branch by their VP XXXX XXXX .

Company response to consumer: Closed with explanation