BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medicredit inc is reporting I owe {$1900.00}. 
I have never received a bill or any notification that I owed such an amount I have written the company to request proof of debt with no response.

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 2023-04-30
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, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Federal trade reference number  XXXX . All fees were paid to the  XXXX  Apartments in installments as instructed by the employees of  XXXX   XXXX . The reported on   XXXX   and now they are reported non payment to  XXXX . I was paying   XXXX   XXXX   Apartments while living at  XXXX   XXXX   ( sam e management company  ) Plea se see attachments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital  one  inquiry dates that I didnt authorize.      XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX     XXXX    2016     XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank has {$400.00} of my money on deposit with them that they acknowledge. I have tried every which way to have it transferred to my bank account. Their stupid app says that everything is hunky-dory, but then they say it isnt. They are a total rip off!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Costco Citicard but decided I did not need it. I tried to close the account and thought I did ; however, later found out it was not closed. I tried contacting Citi bank multiple times but could not ever talk to a person or understand the phone prompt. Thinking the account was closed I did not realize there was a balance. Because of this, Citi was charging me late fees and interest. They sent threatening letters that made me realize it was not closed and the card had a balance. I feel like Citi discriminated against me and took advantage of me because of my age and not being able to access information on the phone or website. So now a {$110.00} charge has blown up into a {$190.00} bill.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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 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 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

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 2023-08-21
Company: EQUIFAX, 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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/ & XXXX XXXX Date of Inquiry XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
At the end of XXXX I turned XXXX years old. My husband has passed away. My husband was a veteran and that is how I have a VA loan. I needed to stay home and isolate during the pandemic out of fear of infection. After the forbearance I requested a VA partial claim on XX/XX/XXXX. The partial claim was sent out XX/XX/XXXX. My memory is not great and I misplaced the documents and did not return them in time. My understanding that since the partial claim did not go through is that I am eligible for another one. I requested an updated partial claim. My interest rate is 3.25 % and a partial claim would have allowed me to keep that rate. My lender refused to send my loan to VA for another partial claim. Then in XXXX, XXXX they ran my loan for a modification and sent me an application. I did not fill the application out correctly and it was denied. I was verbally told the VA was unwilling to help me. I asked for the VA denial in writing and was told they would not provide. My lender is now calling XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refuse to take my husband 's name off the calls ( even though they have the death certificate ) and they call and ask for my deceased husband. This is very hard on me as his death was very difficult for me. I ask them not to leave voice messages for my deceased husband as it causes stress, they told me no. I feel as though I am in a bad position because my lender did not send me to VA for the partial claim while it was available. Also, they have sent me to an attorney for foreclosure action. How can they foreclose and kick me out when they blocked assistance that would have brought my loan current?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 explanation
Consumer complaint received 2023-05-01
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:
Dear [ XXXX/Equifax ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report.

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Personal information incorrect

Complaint:
Upon reviewing my credit report, I observed inaccurate informations that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.

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 2023-04-30
Company: ZWICKER & ASSOCIATES
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:
This is in regard to the law firm of Zwicker and Associates, XXXX XXXX XXXX, XXXX, XXXX, and Zwicker and Associates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
I have been disputing this alleged debt since XX/XX/XXXX requesting the firm for a full validation proving this debt is indeed mine as well as information from the Department of Justice, recognizing me as a victim of identity theft and the status of its case status not knowing details of how my information was obtained or if other individuals were involved. Sending this information since XX/XX/XXXX I would only receive statements after informing them, no, this is not validation but information. Informing them the name itself is incorrect, did fully validate the actual card company as required and their surety bond information that is required to collect in Texas. I was sued and during the break-out session during the hearing on XX/XX/XXXX with the attorney, XXXX XXXX  he told me that he has additional information that proves the debt is mine, he asked me for my mailing address, e-mail address, and contact information in other words information that should be on file if there is an actual contact on file that was signed. Yet, wanted me to set up a payment plan, why would I do this any the firm failed in so many ways to violate the FDCPA? After further research, he said they work for the card company BUT they are identified as a third-party collector and they are not bonded with the state. 
One should not be either for their fitting or business operation. Needless to say, I never received these intimidation letters again that do not define the validation of a debt, that I am entitled. The only thing I received was a " contract, '' which is questionable since it is known there is a class action lawsuit, Lizette DiResta vs.Discover Bank, Caes 155611-2015, in the Supreme Court , pending due to XXXX 's questionable fake credit card agreement, even arising more questions since it's not my name or signed as such. I have nothing and I have nothing to lose but when the harassing calls are being directed to my husband that is another story. This firm believes they are above the law and act as such. This matter with my complaint and other current and past should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Constantly Check My Credit Report And Noticed That Errors And False Misleading Information For Individual Accounts Didn't Quite Meet The Credit Reporting Standards Of Being 100 % Correct This Has Changed Me And Held Me Back For Some Time Im Demanding The CFPB To Enforce The Corrects And/Or The Deletions Of These Items I Deposited Two Checks Into My Chase Checking Account On XXXX  Chase Made The Funds Available But Refused To Release The Funds To Me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximately six month ago, received a phone call from Montgomery Ward stating that I have an unpaid account and asking for payment. Notified company I did not open an account and was told to file a fraud report on my credit and would receive paperwork in the mail regarding how to file up and complete the fraud report. Montgomery Ward never sent this paperwork despite the fact I asked multiple times. Company continues to call and harass a phone number that is not my primary phone number and refuses to stop using that number. Company calls everyday despite knowing that activity is fraudulent. 

Mont Ward XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CARDPLATFORMS LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I hired an attorney to help me with my Social Security XXXX hearing. As part of their package they sent me a " MY KEEPS '' card and told me " if needed '' to use the card until my hearing date to go ahead and use it. I didn't use it at all. Approx. three weeks after the hearing I called my attorney to find out they were paid and the balance went to " MY KEEPS ' ''. On XX/XX/2018 I closed the account {$1100.00} balance they said " WE WILL '' mail a check on Friday XX/XX/2018. Up to this day .... " the check is in the mail '' I call and call every rep. will only give their first name with long periods on hold other times to the point of automatic disconnect waiting. Today XX/XX/2018 on my third attempt ... I finally spoke with XXXX ( a manager ) she told me " WE WILL '' mail a check onXX/XX/2018 this Friday to expect it by the middle of XXXX. I wonder if I will see a check then either! THIS IS NOT RIGHT!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit 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 made a payment to a charity through XXXX using my Amex for {$41000.00} Amex said I violated the terms since a family member worked at the charity. 

Since I agreed that I had unknowingly and unintentionally violated the terms of AMEX, I asked that AMEX reverse the charge back to XXXX so that I could pay the charity with XXXX using my checking account. 

XXXX had already paid the charity so after the AMEX reversed the charge back to XXXX I had a negative balance on my XXXX account of {$41000.00} XXXX sent my account to collections and I paid the balance of {$41000.00}. ( {$15.00} was added due to the returned fee ) AMEX never credited my account. I have filed several cases and disputes and despite documents I have shown AMEX that show I paid the balance via XXXX, AMEX continues to refuse to credit my account, stating the charge is valid. 

By not crediting my AMEX account by {$41000.00}, AMEX is asking me to pay a charge twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: MD
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: Was not notified of investigation status or results

Complaint:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

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 2017-05-16
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Incorrect Status being reported on by   XXXX   CRA.     Entry by   XXXX   XXXX   XXXX   XXXX  : Owed {$340.00}  XXXX   XXXX   XXXX .   XXXX   XXXX    XXXX , NH  XXXX  Credit reporting agency is documenting a claim by   XXXX   XXXX   XXXX   XXXX  on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Cred it Card (   XXXX   XXXX ,  XXXX  ), dispute d (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill  (  XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter   XXXX   CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by   XXXX    XXXX   XXXX , I possess and presented  XXXX  proof of payment.     Submitted credit card statement showing rebill for {$340.00}.

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 explanation