BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CXXXX XXXX XXXX XXXX The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX WY XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX  has NOT removed this account from my credit reports, or have sent me any kind of actual validation under the FDCPA. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. I've attached that document they sent me. 
Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: AZ
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 have a loan with DPT ED/NAVI and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, DPT ED/NAVI and XXXX XXXX with no successful resolution. XXXX  ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yes I recieved a debt from XXXX XXXX which I have not been apart for atleast 10 years for XXXX dollars. I have recently been aware that someone may have stolen my identy and have already placed a credit hold on my credit report. I have already proven to one other debt collector that it was not me that took out a loan. I would like any records sent to me with account ending XXXX. So I can also prove this debit owed is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. 

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 2018-02-04
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX, Notice to quit and demand for possession XX/XX/2018 XXXX XXXX  and all other occupants residing at XXXX XXXX XXXX  XXXX, MS XXXX I went out of town to help my father because he was ill I would like to stay in my home I have XXXX boys still in school and I need time to get myself back on track I really need help please help me and my XXXX  boys please thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 have had a perfect payment history on accounts of mine for the past 17 years. I have had an account with Bank of America for over two years now and back in XXXX, the listed that a payment was past due between 30-59 days. I understand that the payment was late but what I don't understand is why i was never reached out to and notified. I am enrolled in paperless statements per their constant asking so I didn't receive anything in the mail from them and checking my online account, their is no " notifications and Letters '' available. 

What happened was I was enrolled in the auto pay program that paid a payment of {$50.00} per month to cover the minimum payment of {$32.00}. XXXX as of XXXX ) On XXXX my payment went up to $ XXXXmo due to purchases that I had on the card. I had the understanding that my payments were set up to pay my minimum payment like all my other credit cards that are in good standing but I was incorrect and it was set for a fixed payment of $ XXXX/month. 

On XXXX My account was {$70.00} past due ( unnoticed ) bringing my payment to {$140.00}. All the time thinking that I was automatically paying the monthly payment and not a fixed amount. 

On XXXX my past due amount was {$160.00} with a current payment due of {$160.00} bringing my payment to {$320.00} Currently my wife and I are looking to move to a rural area in Missouri for a new job opportunity. Since their is no rentals in the area, we are looking to be new first home buyers. Due to this ( in my mind ) massive misunderstanding, my credit score has dropped over 80 points and we no longer qualify for a mortgage. My report has been marked for the month of XXXX as 30-59 days late on a payment when I indeed was making payments but unknowingly making a fixed payment and not, what I thought, was the true minimum payment. My wife is also 6 months past her turn in date on her leased vehicle due to Covid-19 and she is in desperate need of a reliable vehicle so she can take proper care of our XXXX year old. 

I have tried so hard to keep in good standings with all creditors that I owe and I have never been just, left to deal with it? I didn't get any positive response from BOA and rather just told that it is all my fault and I should have paid my bills. Please please please help [ me get this removed from my credit report and have my payments properly restored to paid and on time. 

since all of this has occurred, I have paid down my balance from almost {$4000.00} down to under {$400.00} and the account will be paid off at the end of the month to {$0.00}

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 2021-04-29
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2021 my business debit card was lost or stolen and someone made transitions using the card.

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 2017-08-03
Company: Comerica
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My SSI Benefits were posted to my Direct Express Debit Card on XX/XX/2017 in the amount of {$730.00}. I accessed my card on XX/XX/2017 to withdraw my funds and I discovered that I only had a balance of {$3.00} in my account. I contacted Direct Express on XX/XX/2017 to find out what was going on with my account and was advised that there were over 25 withdrawals against my account over a period of 7 days all coming from a XXXX XXXX XXXX Account ( which I have no idea as to what this is ). I advised them that this was not anything I authorized. Customer service deactivated my current card ( to stop anymore activities from coming across ) and said I should receive a new card within 10 days and I needed to contact their fraud department ( which I did ) and file a report so I could get my benefits back. I filed the report and on XX/XX/2017 I received a letter in the mail from Direct Express which stated the following " The fraud services department has completed our investigation of your claim dated on XX/XX/2017 in the amount of {$730.00}. Based upon our review of the information you provided as well as our internal records and you card history, we can not confirm that fraud occurred. Our investigation indicated that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. '' First of all it was not a transaction it was a combination of over 25 such transactions against my account and what bank allows that to happen with a persons SSI Benefits which they rely on for support every month. I feel like they did not try to retrieve my funds and they should because I reported it as fraud and contacted them as soon as I was aware that my benefits were no longer on my card. Please Help. In fact as I was on the phone with them reporting my claim they could still see charges trying to come through even after my card was no longer active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday, XX/XX/2019, I ( " Petitioner '' ) : ( i ) received an in-bound phone call from XXXX at approximately XXXX XXXX from Mercantile Adjustment Bureau ( " Agency '' ). Upon replying in the affirmative I was the party sought by the Agency 's agent, the call went silent. 

( ii ) after a period of a few second, Petitioner asked if Agency 's agent was on mute to which no response was provided. 

( iii ) which a period of no more than XXXX, Petitioner disconnected as no response was provided by Agency 's agent.

( iv ) Petitioner placed outbound call to Agency and was greeted by what apparently sounded like the previous Agency 's agent. Petitioner explained after verifying sought person 's name, the Agency 's agent sat silent. Petitioner was placed on hold. The supposed previous Agency 's agent answered. Petitioner believed this was in face the same person that answered the inbound call placed by Petitioner and asked the nature of the call. Petitioner identified himself by name noting the date of birth. Upon being asked if the Agency was a third party debt collector, Agency 's agent did not provide a response and proceeded to obtain Petitioner 's social security ( last four digits ). Petitioner challenged noting the verification was established by way of Agency 's agent lack of response on the outbound call, Petitioner 's inbound return and verification of name and date of birth. Petitioner then asked again if the Agency was a third party debt collector and if such the Agency should send the required thirty day notice via mail for review further noting Petitioner was currently at work and could not devote further time to the matter. Agency 's agent failed to address the thirty day notice letter required by law and proceeded to seek Petitioner 's verification of an account with two named corporate entities ( XXXX XXXX  and XXXX XXXX ). When Petitioner noted a lack of knowledge reasserting Agency should send the regulatory required 30 day notice, Agency 's agent noted he would contact another individual. Petitioner ended the call.

( v ) Agency is in violation of FDCPA for failure to provide written notification advising Petitioner of legal right to dispute, among others.

( vi ) Agency is in violation of FDCPA for harassment as it placed an outbound call to Petitioner and placed the call on silent following Petitioner 's initial verification of identity.

( vii ) Agency is in violation of FDCPA for harassment and threat of further action noting it was place an outbound call to another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection just appeared on my credit file from this company ERC, not once have I been contacted I disputed this with the credit agencies as I never received verification, notice and it is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: NV
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 have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX XXXX Experian will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on 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 2018-03-30
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated a transfer of XXXX to XXXX ( XXXX with fees charged to my credit card ) with Western Union. Transfer number XXXX. The transaction was put on hold by the Compliance Department at Western Union and they sent an email asking for a copy of a valid government ID and other personally Identifier information. I refused to provide this information becase western Union did not provide a secure way to send them this information. I think it is irresponsible from Western Union to ask for sensitive information via email, without an encrypted channel to protect that information. For that reason, I requested the transaction to be cancelled, but they are saying that they will only cancel it if I send them the documentation they have requested. Bottom line, Western Union is negligent and irresponsible, and their procedures do not make sense. They are risking their clients data by asking for sensitive information and not providing a secure channel to send that information. It seems that the information security department at Western Union is non existent or completely incompetent. I need my money to be refunded to my account without having to expose my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that Transunion XXXX XXXX  will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on 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 2018-03-30
Company: The Best Service Co.,Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have and account with this 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 explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.

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 2019-03-14
Company: EQUIFAX, INC.
State: PA
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:
there are too many dates to list but i have on multiple occasions contacted XXXX reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet XXXX seems to willfully non comply

Company response to consumer: Closed with explanation