BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I am reaching out to inform you of the negative interactions between myself and Armada Corp located in XXXX, Wa. I received a legal notice from them indicating I had a limited time to answer and to reach out to Armada. I called the office over 6 times within that time limit and they were unresponsive. When they did answer I spoke to over 5 people before I finally got hold of someone and I spoke to a supervisor that said not to respond to my legal actions they took against me that they would give me a few more days and to call back and let them know how much I could give them. I called back one day before my legal time limit was up and I called they office and they were unresponsive and all the voicemails were full so I could not even leave a message. This was very deceptive of them and they purposely led me on to run out my legal time limit for them to pursue a default judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Early Warning Services, LLC
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: Public record information inaccurate

Complaint:
I recently pulled an Early Warnings reporting and XXXX XXXX report, and XXXX XXXX XXXXXXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy  Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with XXXX and I have spoken to Transunion, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be.

Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXX XXXX XXXX XXXX Reference number : XXXX Record type : Bankruptcy XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me. 

In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen. 

I ran my credit score through XXXX  recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation. 

In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX  willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: LHR Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was never served in the legal process of getting a default judgment, or I would have defended myself in court and proved this easy. The attorney XXXX XXXX in XXXX is a liar and a fraud who violated fair or actual law on a regular basis. Who is LHR, and I have never been told who LHR is or why bothering me, other than I see on a Fraululant abstract default judgment that should be void, or vacated. The case would have been dismissed if I was ever Served in the first place. Is LHR Licenced?, Who is the person claimed to have sold the bogus debt to now? I ask that XXXX XXXX attorney and I get no information, just very rude comments, and he calls my work when I tell him to stop harassing my employer 's office. I have had my account levied, and my wages garnished all by a default judgment that was gained by providing fake information to my local court whose clerk issued the default. I am a person who would have answered and filed a response with evidence is exactly why Attorney XXXX XXXX avoided serving me in the first place, he knew my address, and sent the process server everywhere else!!! My address is not even on the judgment, it such wrongdoing.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-12
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: Problem with personal statement of dispute

Complaint:
I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By Landlord Mitigation Administration in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX Claim # XXXX Amount : {$950.00}

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 2020-12-05
Company: EQUIFAX, INC.
State: WA
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 have contacted Equifax a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Equifax it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX  XXXX. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Costco switched from XXXX XXXX to Costco Anywhere Visa by Citibank in 2016. During the time that this occurred, I moved, I never received the new card and I never wanted the credit card. The Costco membership was charged to the credit  card without my permission. Both the charge, late fees that were incurred and the interest on those charges and late fees was on the card for months without my knowledge. 

When I found out that this occurred, I called both Citibank and XXXX to get the issue resolved. They promised me that they would refund the charge, the late fees and interest and then close the account. They also promised me that it will not negatively affect my credit score. 

They refunded the charge, the late fees and interest and failed to close the account and proceeded to re-charge me everything for a total of {$83.00}. This has caused major damage to my credit score which was at over XXXX and now is at XXXX. According to my credit report dated XXXX ; Citibank is still reporting this derogatory footnote as a charge off. I was never notified and I only found this out when I went to apply for a refinance loan for my mortgage. 

I attempted to call Citibank, but agent couldn't help me and blind transferred me to a " Specialist '' which ended up to be a voicemail box of someone who's office is closed. 

I attempted to call Costco and the automated phone system automatically transfers me back to Citibank.

Citicard Account Number Ending in XXXX ( I do not know the account number since I never received the card ). 
XXXX XXXX XXXX XXXX, AZ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: TN
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:
NO RESPONSE OR COMPLIANCE FROM EQUIFAX LLC, OR XXXX SINCE DISPUTE SUBMITTED ON XX/XX/2020. This is my second written document that has been forwarded to these credit bureaus. Neither credit bureau has responded in ( 30 ) days. ( They should delete these items from my credit report. ) I filed a dispute with EQUIFAX LLC, and XXXX on XX/XX/2020 about fradulent, innaccuarate or unverifed items on my credit report. 

Name of negative accounts on Equifax LLC & XXXX listed below : 1. XXXX XXXX  XXXX Unverified Account 2. XXXX XXXXXXXX XXXX Unverified Account 3. XXXX XXXX  XXXX Unverified Account. 

Name of XXXX negative inquiries listed below : 1. Creditor : XXXX XXXX - Inquiry Date : XXXX - 2.  Creditor : Us Sm Bus Admin Oda - Inquiry Date : XXXX XXXX. Creditor : XXXX XXXX XXXX  - XXXX XXXX : XXXX. 

Name of Equifax negative inquiries listed below : 1. Creditor : XXXX XXXX XXXX - Inquiry Date :  XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XXXX - 3. Creditor : XXXX XXXX XXXX - Inquiry Date : XXXX. 

I advised Equifax LLC and XXXX  that the fradulent, innaccuarate or unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I advised Equifax LLC and XXXX  that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I made clear I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing that FIRST NATIONAL BANK OF OMAHA is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the FIRST NATIONAL BANK OF OMAHA. Since the FIRST NATIONAL BANK OF OMAHA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Upon receiving this notice, I implore you to CEASE AND DESIST further communication through all mediums regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). It is unlawful to furnish any form to create a false belief to coerce payment for this alleged debt through deceptive means. Pursuant to 15 USC 1692d ( 2 ) the use of obscene and profane language in this correspondence was very abusive for me to read!! Not to mention the unfair means used to attempt to collect this alleged debt by attempting to add additional fees to the alleged principal amount giving false representation of not only the status, but the amount of this alleged debt.

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 2017-09-22
Company: Mountain Land Collections, Inc.
State: GA
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 saw three derogatory marks on my XXXX credit report, all from Mountain Land Collections, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called XXXX. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. XXXX then sent a letter stating there was nothing they could do. I 've also contacted the collections company, Mountain Land Collections, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that Mountain Land Collections told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. XXXX was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.

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 2020-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I tried to make a wire transfer for {$20000.00} and the bank cancelled it for security reasons. 
When I called to have it unfrozen, they asked to verify my identity with questions. Some of them I could answer, some I couldn't because the pandemic and subsequent quarantine caught me in XXXX for family reasons and I do not have all my records on hand. 
That caused them to freeze my online access to my account. After countless hours on the phone, I have not been able to resolve this issue because the only way left to do that is for me to visit a XXXX branch, something that is impossible for me right now. 
I'm an older adult and will not be flying anytime soon. 
This means I lost the opportunity to invest the money I tried to wire, which cost me money, plus all the inconveniences it entails being abroad and not having access to my account, not being able to review my balance online as I have done many times when traveling, and not being able to help my son with wires I had been arranging before this freeze. 
My son is also being affected financially by the pandemic and temporarily needs my help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is what happened recently dated XX/XX/2020 and About to Travel XX/XX/XXXX to XXXX California ..I am a military who is about to do a final military travel move back home. 

Every time a military move there is a travel pay money given by the military DFAS to help the family movement allowance to another state ..

So to make the story short ..DFAS deposited my travel allowance into my old navy federal account that I never use for 4 years..I have a credit card with navy federal.. In order to pay all my credit cards and other debt I went into a program debt consolidation -National Debt Relief Program ... Navy federal credit cards are enrolled in that program ..Since I went into that program navy federal freeze me using my account but it is open account ..I tried closing but they said cant do it coz I still have a debt to pay with them ..I can only close my account when everything paid off.

Navy Federal applied that deposited money to pay some of my credit card as a charge for not paying them ..They know already I was enrolled into a debt consolidation -National Debt Relief Program .They just touch that travel money with out informing me or any acknowledgement from them like hey there is a money deposited by dfas to us bla bla bla!!!

So when I learned that dfas deposited my travel money with the amount XXXX to my old account navy federal bank and its been deposited for a couple of weeks ..I contacted navy federal..

I talked to one of customer service team and said I cant get that money back and that money was use to charge against my credit card.. 

So is there a way I can still get that money back because that money is for family travel allowance not for a credit card.. 

v/r jg

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: GreenSky, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent written request on multiple occasions tog the XXXX XXXX XXXX XXXX XXXX XXXX requesting VALIDATION of a debt that is listing on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). THD failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: I.C. System, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account was sold to a collection agency who does not have an account with me. I am not responsible for paying this creditor company anything. This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.

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 2018-11-10
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am an XXXX XXXX and get paid via PayPal the vast majority of the time. Today, XX/XX/2018, I noticed that an invoice was paid, so I decided to move the money ( {$73.00} ) from my PayPal account to my XXXX XXXX XXXX checking account. During this process, I noticed that the usual fee of {$0.00} was now 1 % of the amount being transferred, not to exceed {$10.00}. I called PayPal and spoke to XXXX. She said I was notified in XXXX about the increased fee. I asked her where I was notified, and she stated that there was an internal notification system and to check my message center. There was no notification sent to me, so XXXX said she would report the error as a complaint. But otherwise, there wasn't much she could do.

Company response to consumer: Closed with monetary relief