BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
State: WA
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:
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per 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 2021-11-29
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1100.00} XXXX {$630.00} XXXX XXXX {$10000.00} XXXX XXXX {$1200.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've been sending letters to Transunion regarding my issue for a while now but I still haven't gotten the results I'm seeking. Theres a number of errors and accounts that do not belong to me on my credit report. Having them on here is ruining my credit score and holding me back in life. Additionally, it takes up to 30 days each time just to hear back from them. I know this is standard procedure but it's a really painstaking wait each time and the accounts are still reporting. Thank you in advance for your help with 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 explanation
Consumer complaint received 2020-05-21
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A-1 Collection Agency, LLC is pursuing payment from me in the amount of {$28000.00} on behalf of my deceased husband, XXXX XXXX, for services provided at the XXXX XXXX XXXX in XXXX XXXX, Colorado. My late husband had his own health insurance and these medical bills should have been covered under his healthcare plan. I was not a guarantor on his health insurance account ; I was not a co-signer ; this was not a joint account, nor did I sign any documents on his behalf. I am not a beneficiary to any of his estate that would cover any outstanding balances due on his behalf because there is no estate. I have attached a copy of the statement from A-1 Collection Agency, LLC, XXXX. XXXX XXXX, XXXX XXXX, Colorado XXXX XXXX - and have high-lighted the line item reflecting the {$28000.00} medical collection. I have tried to communicate directly with A-1 Collection Agency, LLC and explain to them that I am not responsible for this debt. Colorado is not a community property state and I am not a guarantor on this insurance bill so consequently this debt does not belong to me. A-1 Collection Agency, LLC is relentless in their pursuit to collect this outstanding debt and they are doing so illegally. I receive multiple phone calls throughout the day and evening. Pursuing a collection from me in the manner in which A-1 Collection Agency, LLC is operating is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, as amended in XXXX, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suite may be brought within one year against the debt collection company as well as the individual debt collector for damages and attorneys fees. In summary, this account does not belong to me and I am not responsible for this debt. A-1 Collection Agency, LLC needs to discontinue their unsubstantiated pursuit against me for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XX/XX/XXXX a call was made to me by a rep that fraud was attempted to be committed. I was told the account would be blocked. There were a total of 6 checks that was cashed with invalid name and address. They denied it saying app was logged in the day fraud was happening. I appealed it through email and through mail. I have called of 10 times to talk to security through supervisors. Phones always disconnect me while waiting I have not received any letters of decision or able to reach anyone about this matter that know what is going on. My daughter was in XXXX college at the time which is 4 hrs away from where these checks were cashed. I am now ready to seek a lawyer at this point due to no resolution m. The bank has take my money and my daughter money out the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from phone number ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2019. The caller had a heavy accent but claimed his name was " XXXX XXXX, '' and admitted he was calling from XXXX ; the phone number is from XXXX, Mississippi. He claimed I owed a debt of about XXXX dollars to XXXX XXXX XXXX for landline services. I had had my landline disconnected three months ago, and have a hard copy receipt showing I do not have a balance. When I told the caller I don't owe a dime and would not pay, he made a vague threat to " take appropriate action. '' I do not know what was going on, but the caller had my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX is the original creditor.

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 2020-11-22
Company: EQUIFAX, INC.
State: MN
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 sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Equifax. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, Im writting this report since today I found out JP Chase closed my credit card account for absolutely no reason. What bothers me the most is that it was my favorite account, which I believed I had the best relationship with, I never missed payments, I kept my balance always under the limit, I honestly felt betrayed by this institution. I understand banks have the right to close any account but for no reason is just painful. 

Thank you for reading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
State: WA
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:
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report perXX/XX/XXXX andXX/XX/XXXX 
On XX/XX/2020, WF CRD SVC add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/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 2019-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In 2016, I received a letter from XXXX XXXX indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from XXXX XXXX connected to this false address. I contacted the credit bureaus to dispute the activity. Experian indicated they would not remove this activity from my credit report. I tried calling XXXX XXXX to dispute the report, but was put on hold and bounced from number to number for 20 minutes.

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 2015-05-08
Company: Optio Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
QCS has repeatedly threatened to submit my debt to the district attorney if I do not find funds immediately. I was not even allowed to wait for their demands in writing. They attempt to damage your livelihood if they are not paid immediately. XXXX tactics and speak to you as if you are a XXXX human being with no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter out to credit collection service requesting validation for this account. They received it on XX/XX/2020 by certified mail. I have not received no correspondence or validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Several years ago, i joined the PayPal business site. I used the credit occasionally. I have paid off the account. Awhile back I noticed that this company increased my credit limit. I did not ask for it either with PayPal or Synchrony Bank. I was just notified that they decided to reduce the credit limit ( XX/XX/2020 ). Which I didn't care because I don't use it. However, based on their unilateral actions in raising and lowering the credit limit this has affected my score. If I requested the credit increase and they granted and later dropped the increase I can live with that. However, they increased on their own and to punish me for their reduction is not right.

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 2020-09-05
Company: BOK FINANCIAL CORP
State: NM
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:
I was given " cash for keys '' and settled with the Bank of Albuquerque or as they are known Bank of Oklahoma, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have ( had ) three credit cards with Bank of America that I rely on daily. This morning I woke up to all three being closed by them for no reason at all. When calling, XXXX XXXX told me my accounts were reviewed and closed due to " authorized user activity. '' I have no idea what that means and they won't tell me or reopen my cards. I've added a few family members to my card so they can have access to credit but I've never missed a payment to Bank of America or any other bank, ever. In fact I've been a loyal BofA customer for twenty years and have paid them many annual fees only to have them close my accounts for no reason with no warning.

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 2020-05-25
Company: Experian Information Solutions Inc.
State: WA
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:
Experian XXXX. XXXX XXXX and XXXX XXXX. I nead experian to fix this discrepancy. They give no explanation as to the 40 points im being denied by them alone. They want to sell credit cards.

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 2020-05-21
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My doctor joined XXXX XXXX XXXX midyear last year. I saw her in XXXX and my XXXX XXXX took care of it. I got a bill from the medical group last XXXX. I called XXXX to see what was going on. They told me that my doctor was in network, but that medical group which submitted the bill was not in network and so was paid out of network cost. The medical group wants me to pay the difference for their mistake and I will not do it and have told them so on a recorded call. Their calls to me are incessant. 

My doctor quit that group at the beginning of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX experian has not deleted the XXXX account. the posted information has been on my credit reportes and should be removed and deleted from all 3 credit bureaux.

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 2020-11-22
Company: Experian Information Solutions Inc.
State: MN
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:
Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Mercedes Benz Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My name is XXXX XXXX XXXX.

I am a young adult XXXX XXXX blessed in the surrounding of law enforcement professionals.

incident ) XX/XX/XXXX Where ) MERCEDES BENZ OF XXXX, ca Purpose of visit ) maintenance on car ( purchased through them and full price. ) Not only do I have proof of identity theft, but XXXX XXXX is happy to fax anytime the existing process my victim ID number when it came to the sales pitch of getting a ledge a debit card ( s ) consumers mistook / gave their trust & all of our credit scores dropped. ( released XX/XX/XXXX / NEWS - I wish photographs could be shared here.

As a XXXX XXXX, the previous managers of MB XXXX  were very close clientele of ours.

I walked into one familiar face ( my service tech ) and proceeded with tuneup

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Regions does Not provide me ACCESS for my profound. XXXX and XXXX XXXX XXXX. see attatched XX/XX/XXXX letter. Regions requires an IDENINITY Theft Kit on line Or go into a branch office to fill out. I CAN NOT WRITE OR SIGN. REGIONS PROVIDES NO ON LINE MOBILE APP ACCESS because I am XXXX. I AM IN A XXXX  XXXX  DRS ORDERS XXXX. I HAVE REPORTED ID THEFT WITH FTC case XXXX XX/XX/XXXX following the FTC. gov web and the ID THEFT. gov web AUTHORITIES GUIDELINES. Regions requires coming to branch or go on line for ADDITIONAL REQUIREMENTS NOT REQUIRED BY AUTHORITIES. Regions is Not ADA ACCESSIBLE. AS my ID Theft Report EXPLAINS XX/XX/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 2020-05-28
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:
I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful 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