BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Monarch Recovery Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been receiving robo collection calls at our business number everyday at between XXXX XXXX and XXXX XXXX. This has been going on for several months. The recorded messages gives the name of a person and states this is Monarch Recovery and they are trying to collect a debt from the named person and instructs the person answering to press a dial pad number to be connected. We have spoke to people at this collection agency several several times to explain that we do not know this person nor has this person ever been employed by us, yet the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXXp XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. 
I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.

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 2018-12-24
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX uses intimidation tactics, many phone calls and letters to attempt to collect from XXXXXXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXXXXXX XXXX  XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, 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:
I am very XXXX XXXX XXXX the XXXX XXXX have not responded back to me about my investigation. I sent a letter, it's more than XXXX XXXX. I need these accounts deleted off my credit report according to the FCRA anything on your credit must be removed that you did not approve of. All of the inquires on my credit report are fraudulent and I do NOT know where they came from. I have also submitted an IDENTITY THEFT REPORT and still havent gotten a response been over XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. Portfolio Recovery Associates maintains that they purchased one of these debts from XXXX XXXX, back in XXXX. I state for the record that I know Portfolio Recovery Associates has told me directly that all references to the posted collection will be removed within XXXXdays from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy

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 2021-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank is trying to charge me fees on an account that is completely paid off and closed. 

I received an email on XX/XX/XXXX saying that my account was overdue by 3 days. My statement was only overdue because I ever received an XXXX statement from them. I pay statements the day that I receive them. 

So, I immediately called customer service. I explained that I never received a statement and thats why the payment was 3 days late. At that time, there were two outstanding charges. I paid both of those charges at that time. The representative told me that there was NO LATE FEE assessed at that time. So, at that time, I completely paid off the credit card by paying those two charges.

The next week, I received a statement in the mail with a late charge and also one of the charges was on the bill, a charge that I had already paid. 

I immediately called customer service. I told them that I had already paid all charges and that I was told there was no late fee. At that time, I closed the account and told them they would not receive any further payment from me, because I had already paid all charges and was told there was no late fee. 

Then, I received another email, saying that my account was overdue! And, looking at the account statement online, they were charging me not only for the amounts I had already paid off, but also a second late fee charge. The amount in question is {$47.00} and I have the bank statement showing that I paid that off. 

I called again and was told that the late fees are there because I still owed for a payment from XXXX. But, again, I had already paid off the card. And, I have the bank statements to prove it. 

So, in essence, they keep ignoring the fact that I had paid off all that I owed ( and have the proof to show that ) and keep charging me fees. 

And, I have had many credit cards in my lifetime and NOT ONE of them ever charged a late fee if I was in error and was late on a payment by a few days. Every single credit card company I have dealt with, except for Citibank, has waived the fee on a first offense. Also, as I stated, I was told that I was not given a late fee in the first place, then they went ahead and did it anyway.

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 2021-05-13
Company: Experian Information Solutions 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:
Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX  XXXX  from birth 2.my address has always been XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  FL XXXX  3.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Besides the Student loans all of the Items on my credit report is incorrect 1.My Name is XXXX XXXX from birth 2.my address has always been XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX.I never had any Credit Cards in my name Student loans yes but credit cards NO please remove Items ASAP

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 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 someone initiated a bill payment from a Bank of America account which I don't have nor do I know anyone with a Bank of America account. The amount was {$1100.00}. I immediately contacted my bank to inform them that it was not me, but they were required to perform certain operations to confirm this. Two days later, the " payment '' was reversed due to NSF, so this tells me someone knew the funds wouldn't be available, but they had TWO WHOLE DAYS to use the CLONE of my credit card. Thankfully, those attempts were declined, but I have worked for banks before and I know that Auto pay, ACH, billpay, Wire and transactions such as this CAN NOT be processed from an account which does either not exist or has the funds available. I have since closed the card as well. My bank has no further information than that it was initiated from a Bank of America Account, so I don't know how I could contact Bank of America and attempt to resolve on their end as well. 
I feel as though Bank of America 's checks and balances to prevent things like this are lax to say the least! 
If I had not caught this in time, I could have suffered major losses.

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 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, I made a credit card payment which posted to the account on XX/XX/2022. However, on XX/XX/2022 ( which is also the day the payment was due ), received an email stating, " Were sorry, but your bank recently returned payment ( s ) made to your Union Plus Credit Card due to insufficient funds ''. The email suggested I contact my bank to see why the payment was rejected. 

This seems almost improbable considering I have XXXX XXXX XXXX  of dollars in my account, along with overdraft protection. I immediately called my bank ( XXXX XXXX ), and XXXX XXXX  has zero record of any type of payment rejection and zero record of any attempt by Capital One requesting the payment & I was also assured by XXXX XXXX  that even if for some unexplained reason I did have insufficient funds in my account, they would absolutely cover the charge ( s ) up to {$1000.00}. 

I attempted to make the payment after speaking with my bank & was informed I would incur a {$25.00} late fee by Capital One since the payment was not going to post until the following day, since it was after hours. I called Capital One customer service & explained the entire situation to a customer service representative & was told there was no way around avoiding the {$25.00} late fee. I asked to speak with a Supervisor and was eventually transferred to a Supervisor. But before I was about to be connected to the Supervisor, the customer service representative told me you're still going to be charged the late fee regardless - ( out of curiosity, why would a customer service representative make that statement to me instead of allowing the Supervisor to make that decision, it was the same as telling me, " you're just wasting your time, you're going to pay the late fee no matter what you say '' ). I connected to the Supervisor and was again told by the Supervisor I will still in fact be charged the {$25.00} late fee. I explained to the Supervisor I had received the same " insufficient funds '' email the previous month & it simply was not true that I didn't have the funds in my account. I explained to the Supervisor, for as long as I've had this particular credit card, I never carry a balance & pay my outstanding balance every month. The Supervisor had no interest in what I had to say & reiterated I would still be charged the {$25.00} late fee All I have is their " word '' and zero proof that they attempted to collect money out of my account. I, on the other hand have solid proof that the money was absolutely available at the time I initiated the payment, as well as proof of overdraft protection & proof that my bank would have covered the transaction even if the money wasn't in the account. So essentially I was charged {$25.00} for a non existing problem, which appears to be a form of fraud by charging customer ( s ) unfounded late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a 609 letter to XXXX on XX/XX/XXXX which was 30 days ago.Still no response.I also sent a letter to IC systems stating this account was paid which was closed XX/XX/XXXX and didnt know why this debt of {$360.00} was put on my credit history XX/XX/XXXX.They put this on my Credit Report without any warning or action to respond.I will like this negative item off my account which is the only negative item on my account and I been having a great pay history for that last 3years without any negative items.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-12-05
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:
XXXX is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to temporarily lift a security freeze on my credit reports. XXXX and XXXX   allowed me to do it online and it took just a few minutes. Equifax, in contrast, has erected barriers to make it as much trouble as possible. I have an online account with them, and when I attempted to log in to lift the freeze, it said they were " unable to process my request, '' and said to call them. I called the number indicated, and that, too was unscussessful, even though I correctly answered all of their questions. They now want me to mail or fax the request. This appears to be a deliberate attempt to flout their responsibilities to allow consumers to easily place and remove a security freeze. I ask that you impose financial sanctions on Equifax. They are already notorious for their serious data breach that exposed the personal information of millions of Americans to hackers. They only thing that will get their attention is a serious financial penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XX/XX/XXXX per Ace Cash Express I took out a loan, I feel very confident that this loan was cleared, but they had a law office call me 4 times today XX/XX/XXXX harassing me and threatening me stating that Ace was suing me for default and failure to pay back the loan, stating that I was being sued for over {$4000.00} on a loan that was less than {$500.00}, I was financially in a very tight spot at that time and was not ever made aware that this was to happen. Please help as it has been over 2 years and they are now here it is XX/XX/XXXX and they are threatening me and would not identify themselves until I gave them personal information I feel very threatened and my privacy has been violated please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NC
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 recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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