BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Columbia Recovery Group LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received several aggressive phone messages stating that I needed to phone them immediately to be served for a lawsuit. Left message to call XXXX file # XXXX. Spoke with a XXXX XXXX she informed me that she was calling on a very old debt from 2012 of {$1200.00}, said they were prelitigation and they were going to serve me papers on lawsuit and with fees and all it would be {$4000.00}. Said I could pay debt in full, pay {$500.00} or make 12 payments of XXXX a month. When I asked for her to send me paper work she said they would have to charge me {$5.00} fee and would need a credit card to have on file to let lawyers know I am serious. Wouldn't take less than {$500.00} to settle and refused to give me a company address so I could verify it was a legit company. She had very aggressive manor and said they would sue me. She gave me the following number to call her back XXXX ext XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In error I selected a gift card credit card issues by Chase on my XXXX order page. I want all purchases charged to my personal debit card from my bank. I have made this request several times by telephone, however this company continues to charge purchases to their card and send me invoices. There were two charges on XX/XX/XXXX in the amount of XXXX which I paid by check. Just recently I received another invoice for {$40.00} due on XX/XX/XXXX. These purchases were supposedly made on XX/XX/XXXX in the amount of XXXX. Nothing makes sense with this credit card company. 
Again I have asked several times to have this account closed and the card cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

Transunion fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

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 non-monetary relief
Consumer complaint received 2019-10-24
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to explain to this debt collector on behalf of XXXX that I never ordered services. I investigated and it was a family member that accessed my information for the purpose of getting cable service. I never authorized this service and was then told that it was paid by family member. Unfortunately, this family member has left the country since late last year and I have no contact with him. I am now stuck with something that is not mine. I need this removed from all credit reports. Thank you for your assistance. 
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 explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother passed away 9 months prior, and I have been paying and dealing with her mortgage and small estate since. The house was sold as of XX/XX/XXXX no thanks to BoA who nearly ruined closing being unable to provide us with a payoff letter until my brother found an automated system which apparently none of the reps in the Mortgage department knew about. 

The problem now is the remaining balance in the mortgage 's property tax escrow account. I have been attempting to deal with BoA for over a month. They insisted on sending a check to the address of the house that was sold against my instructions. The check was unfortunately not forwarded by USPS and was lost. In the meantime I send them every document they asked for losing them on 2 occasions. I sent them a death certificate and a properly filled out and notarized Illinois Small Estate Affidavit. They refuse to reissue the check and send it to my new address. I have called their mortgage department twice. I spent 30 minutes with a rep who first told me flat out that they will not accept the small estate affidavit. She then started giving me incorrect legal instructions to have it filed with the county which I immediately called her on. She then told me she would escalate the issue. 

I then faxed them a copy of the Illinois statute with the relevant portions underlined. Illinois statute requires them to accept a properly filled out and notarized small estate affidavit. Bank of America 's  own website says they accept small estate affidavits in compliance with state laws. I have not heard from their escalation department in the agreed upon 48 hour timeline.

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 2020-09-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I turned XXXX on XX/XX/2022. I checked my credit and there was already a capital one credit card out in my name/ssn and it was used but not paid back so my credit is really bad. Im not sure where the credit card is from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
why is XXXX being taken from me i explained i got an XXXX XXXX from the XXXX XXXX XXXX  did the store respond to the dispute? this is capital one spark card i answered orally at nauseum. i want the money credited. i also told you i was ripped off and the cost was misrepresented.the cost refund me. please refund the XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-02-04
Company: EQUIFAX, INC.
State: NY
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:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: General Motors Financial Company, Inc.
State: TX
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 recently sent this company a request to validate the debt on XX/XX/2019. I recieved a letter dated XX/XX/2019 notifying it was recieved and asking me for more information. I then recieved a 2nd letter dated XX/XX/2019 stating that the accout was accurate and disputed. 
I have yet to receive all of the requested information from this company to " accurately '' report to the credit bureaus. 
It has been over 30 days and I have yet to receive ANY information to VALIDATE this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient has been a problem and I have filed multiple complains about them in the past. 
Navient misallocated payments and steered me through multiple forbearances instead of income-driven repayment plans. Then, they started mailing letters to me at a previous address and had the wrong telephone number to reach me. This resulted in mis-allocation of XXXX seperate loans that I was consistently paying ( as was agreed, and they do not dispute ), and hit my credit score hard. When I reached out to them and tried to resolve this issue, they could not pull up my account because they had the wrong address and telephone number on file. 
It took multiple complaints to the CFPB to get them to even communicate with me ( thanks, CFPB ). We worked through this issue, all of the fees that they charged were returned, and I refinanced the student loans with a different servicer. By the way - no issues so far from the new servicer. 
What this complaint is about is the fact that Navient was supposed to expunge my credit report, and they did not. This was their mistake, they acknowledged as much and returned the fees ( on paper ) they had charged me. And yet, I'm still paying for it. I can't call them, because I'm not a customer any longer. Maybe the CFPB can help me expunge my credit report from Navient 's mistake. 
I can show a current credit report showing XXXX loans that have XXXX hits that are 90+ days old - 84 times I was reported and it hurt my credit. Aside from that, my credit is spotless. However, this mark on my credit is costing me thousands of dollars in a refinance of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the credit bureaus several times that the accounts don't belong to me, I have not in any way received goods or services from any of these companies and have asked for these accounts to be removed immediately from all of my credit reports. Contact was made in XX/XX/2019 for the following accounts : XXXX  XXXX XXXX {$110.00} XXXX XXXX {$1500.00} Acct # XXXX XXXX XXXX {$300.00} Acct # XXXX XXXX XXXX XXXX {$560.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed MULTIPLE complaints against Experian. I THOUGHT this was resolved when they finally removed the the derogatory account after disputing this since XX/XX/2020. They then added it back to my credit causing additional damage to my credit files.. 
XXXX XXXX NEVER VALIDATED THIS DEBT!! *** ***ACCOUNT WAS PROTECTED UNDER Service members Civil Relief Act*** EXPERIAN FAILED TO PROVIDE PROOF OF VALIDATION METHOD EXPERIAN HAS REFUSED TO CORRESPOND AND HAVE ALL INFORMATION NECESSARY TO REMOVE THIS ACCT AND VIOLATED CREDIT REPORTING LAWS WHEN THEY REMOVED THE NEGATIVE ACCOUNT THEN ADDED IT BACK EXPERIAN IS THE ONLY AGENCY THAT HAS NOT PERMANENTLY REMOVED THIS ACCOUNT

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 2018-04-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have called Citibank several times over the past few weeks. I had a credit limit of XXXX untilXX/XX/XXXX, when I PAID off my card balance. They then cut my credit limit to {$500.00} - even though my credit score went UP 50 points. I called today, XX/XX/XXXX, to complain, and my card was closed. They then told me I would need to REAPPLY and couldn't guarantee that the card would be reopened.

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 2020-09-14
Company: Experian Information Solutions Inc.
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:
XXXX ; Experian and XXXX are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2020-11-24
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource Management calls every day up t 26 times a day. No message is left. They use different numbers : XXXX, XXXX, XXXX. XXXX, XXXX I contacted them and asked them to stop calling. I keep blocking each new number. I do not have any outstanding debt with them. I have never received any communications via mail, so I do not know the nature of their harassment. They have been calling for about 6 months incessantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Equifax has made the conscious decision to block me from even entering the page I reported this when I called in XXXX .When this report was filed against Equifax for letting the thieves have my  credit file. Now theyve given me a Number XXXX it is a automated service that the automated lady will not let you go anywhere. 
I just tried to get into my account the page closes from a halfway page and from the top and bottom comes to the center of the page and locks me completely out. This means that they have given my credit report to the theories and I need help you have all of my information in all of the attachments that I have sent but now they will not allow meTo have an account this is really really bad Ive had some strange and shady things happen and I just finished talking to experience whatever is being done it is spreading over to XXXX. This is the most scariest situation this has been going on for years now and I didnt know what to do before but I know what to do now now Im going to the attorney general in foul the papers that was sent to me before I took sick. This needs to be investigated to the full us at this point theyre denying me access and this should let you all know theres something is very very wrong here thank you This is the most scariest situation this has been going on for years now and I didnt know what to do before but I know what to do now now Im going to the attorney general and foul the papers that was sent to  me before I took sick. This needs to be investigated to the fullest at this point theyre denying me access and this should let you all know this something is very very wrong here thank you XXXX XXXX. XX/XX/2020

Company response to consumer: Closed with explanation