BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Nelson Cruz & Associates LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I called back Nelson and Cruz associates and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 XXXX  words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Submitted dispute for XXXX charge that occurred on XX/XX/20 - sent them the text and chat response from XXXX with XXXX admitting they didn't deliver the items. The request more information on XX/XX/20, I resent the items, screenshots, and letter, and on XX/XX/20 they closed the claim stating I never responded even though I have a fax confirmation from XXXX and resent the letters via regular mail twice. I have now been charged overdraft fees, missed time from work, and still don't have a credit to my account. I advised them I would file a smalls claims suit if no response is received in 30 days ( +5 for mailing ).

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 2021-02-16
Company: ALLY FINANCIAL INC.
State: OH
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL Inquiry : XXXX XXXX, 2020.

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 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a text from Capital One that I tried to make a purchase from my debit card at XXXX, but I was never making any transaction from there. I had to check my Capital One account, and I found that money was taken away from my Checking account without my knowledge and consent. I found that there were two purchases that were made on my account, but I never purchased anything. The transactions occurred on XX/XX/XXXX with the first purchase was done at XXXX am that took {$8.00} away and the second transaction that occurred at XXXX am took away {$400.00} from my account. I called Capital One to discuss this issue and I told the company that I never made those purchases, but I would have to wait XXXX hours from the day those purchases were made to call the Dispute Department and report the problem, and I'm not sure if they refer to actual days or business days. For now, Capital One has restricted access to my debit card to prevent anymore unauthorized purchases and I should get a new replacement debit card in the mail by next Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019, we issue a Check ( No. XXXX ) from our checking account with Bank of America XXXX for {$830.00} for our monthly rent payment which was received by our landlord ( XXXX XXXX ) .and was deposited by them thru their bank XXXX XXXX XXXX XXXX 
Our bank paid and clear this check on XX/XX/2019 which reflected on our daily banking acitivity given to us by them. On XX/XX/2019, our landlord came to me saying that their bank ( XXXX XXXX XXXX XXXX ) did not credit them with the amount of {$830.00} for my monthly rent and was advised by them that I pay in CASH the rent amount plus the {$12.00} for the check was no GOOD.. I went to see my bank ( Bank of America ) on XX/XX/XXXX or XX/XX/2019 about this and was advised by the Manager that Bank of America paid and clear this check and that XXXX was credited for the amount. My landlord is insisting that I settle this by paying him again in CASH the rent amount of {$830.00} plus the {$12.00} fee saying again that my check is no GOOD. THIS LEAVE ME IN A FRUSTED MOOD ABOUT THIS.. FOR YOUR INFORMATION, MY ACCOUNT IS IN NO WAY LOW ON FUNDS NOT TO COVER THE AMOUNT INVOLVE. WHEN THEY DEPOSITED IT THAT TIME ( XX/XX/2019 ). i HOPE YOU WILL BE ABLE TO FIND OUT EXACTLY WHAT HAPPEN TO THE AMOUNT INVOLVED ON THIS FOR {$830.00}

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
Consumer complaint received 2020-06-23
Company: ATG Credit, LLC
State: OH
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:
ATG Credit LLC has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency XXXX XXXX, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to XXXX XXXX, it is my understanding this debt was purchased by them from unknown creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a garnishment letter from my job stating that wages were being taken for LVNV FUNDING LLC, for credit card debt. I was never informed of this debt or received any notice of garnishment. I had to go to court to try to stop te garnishment and I was told that I was in fault of default judgement for the following case Case : XXXX LVNV FUNDING LLC, I looked into laws and my rights and found out the this company do not have license to collect in the state of TN. 

Details License # Status Expiry Date Rank Name ATTN Original Date XXXX Application Expired ' LVNV FUN $ DING LLC,    ' XXXX Application Withdrawn ' LVNV FUNDING, LLC,    ' This company is collecting {$1000.00}. Not only did they not give me notice or proof of this debt they are not allow to collect in TN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ditech is refusing to give me statements regarding my mortgage payments. They sited CFPB rules stating they are not allowed to because I had filed bankruptcy in the past. My bankruptcy closed with all debts payed in full XX/XX/XXXX. They stopped sending me statements in XX/XX/XXXX. They have however sent me two escrow analysis statements in this time period. I just want to be able to see my statements. I am not currently in bankruptcy nor have I been since XX/XX/XXXX. They're only response when contacted is " per CFPB rules we are not allowed to send you statements ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
CashNetUSA charges a 459 % ( Four hundred and fifty nine per cent ) interest in personal loan which I believe it is USURY. ( Maybe not in America where everything is permitted by the corrupted Congress ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit score using XXXX XXXX  on XX/XX/XXXX and it showed that my equifax score dropped XXXX points. I contacted the credit company and they informed me I had 30 missed payments for my federal student loans. I then contacted the federal loans creditor and informed them that since I am XXXX XXXX and my loan amount is so high I am in deferment status and I was told that when I contacted them 7 months prior when I joined the Military. They said it was an error on their part that shouldnt have happened and contacted the creditors to let them know that I am in fact in deferment and do have any monthly payments therefore I shouldnt have any missed payments on my credit score. Equifax updated their information about my deferment status, however did not take the delinquencys off of my credit which is what cause my credit to drop in the first place. I called Equifax and asked them to take the delinquencys off of my report as it was an error with the creditor and not due to my lack of payments. They said they would look into it but did not make any changes. Because I am XXXX XXXX military you need to be in good credit standing in order to maintain your security clearance as well as your job. This error both on XXXXs part as well as the federal loans part is now putting my security clearance as well as my job in jeopardy. I did everything I was supposed to do to prove it was an error and now I need Equifax to remove the delinquencys off of my report so my credit score can go back to what it was and to ensure the safety of my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Bread Financial 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: Account information incorrect

Complaint:
Synchrony bank/ XXXX XXXX XXXX acct.has reported me being 30 days late. Have never been 30 days late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2019-11-02
Company: CITIBANK, N.A.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am under Chapter XXXX, which includes a co-signer stay. Citibank was reporting 30-days late each month. This was not accurate due to the Chapter XXXX. I tried to contact them multiple times with no luck. I opened an investigation with the 3 credit reporting companies. As a result they are now reporting in collections/charged off every month. It should be reported as Chapter XXXX/Wage earners plan as I am making payments as my other loans are showing and not being marked negatively each month due to the stay. They are reporting the same on my co-signer 's report. This is significantly hurting 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 2020-12-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received mail saying I had an past due bill for an XX/XX/XXXX account but everytime I attempted to call IC SYSTEMS, inc ( the debt collection agency ) to dispute they never answered the phone. To dispute via their website, I would need to have a bureau investigation number, but the fact that this is NOT my account I dont know what it is. I decided to wait for it to hit my XX/XX/XXXX app then dispute it. Ive been disputing for over 3 months and nothing at all. Ive dispute even through my chase app and I believe IC systems is trashing ever dispute entered without reading it. Someone opened some type of cable bill/phone bill and stopped paying it in XXXX of this month. This account was never on my credit UNTIL the XXXX month meaning someone slapped my name and address on it and they accepted without rulos le checking. I want proof that I opened this account with signatures and dates. Its said how some debt collector workers get paid commission over something that literally can effect someones livelihood without double checking.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: NV
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:
These 3 accounts reporting on Experian are not my accounts. Please remove them. I am not a credit repair company nor a mortgage company. I provided you my personal documentation. Thank you.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.

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 2021-11-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/21 I received a Citi Priority debit card in the mail. I do not bank, nor have I ever banked, with Citi Bank. I never opened an account or requested an account or debit card. I immediately called Citi bank and had the debit card and associated checking account closed and reported it as fraudulent. 

The account was blocked by Citi Bank and I was forwarded to the fraud/identity theft dept to report the card/account where I also received additional fraud monitoring assistance. I was happy with this resolution. I am reporting it to the CFPB for documentation purposes only in the event that this is a larger 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 2021-06-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Syncrony Bank issued a Sam 's Club Mastercard to me. I willingly signed up for autopay. Then paid them {$7000.00} from my checking account. They did not process the transaction until the after the due date while taking another {$6500.00} from my account. They refuse to revers the ACH transaction and insist I must wait weeks for a hard copy check, that my get lost in the mail. Meanwhile I am overdrawn and paying interest on the money they stole from me

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 2020-10-09
Company: Early Warning Services, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In late XXXX I applied for a checking account with XXXX XXXX. They denied the opening of a new account based on a report provided by Early Warning Services and  directed me to the company website ( e.g. earlywarning.com ). 

The company HAS NO METHOD OF ACCESSING A CONSUMER REPORT ONLINE. They require a mailed letter XXXX it's XXXX-come on people ) with which I printed, filled out, and mailed in. I received notification that they were missing a form of identification which I promptly submitted via their web form ( with the original application id entered into the submission form ). 

I received an automated response that I must submit a form to receive my credit report -- what the XXXX I already did this?

Company response to consumer: Closed with explanation