BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: NCC Business Services, Inc.
State: OK
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:
XX/XX/XXXX Sent a letter to company regarding a debt alleged that I owe, I have resided in the same house for 20 years. I had no knowledge of alleged debt I have not received a call or a written statement to contest or dispute the alleged debt. Upon applying for a mortgage I am advised that I owe XXXX XXXX XXXX or XXXX XXXX XXXX  XXXX. I have no knowledge of this this information is incorrect and should not be on my credit report until validations have been made. XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL have not attempted to reach out to me and this debt is alleged to have happened in XX/XX/XXXX. This is unacceptable. Validations need to occur prior to placing false information on one 's credit report. This is smudge on my report and delaying the closing on my home XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank recently closed one of my credit card accounts without any advance notice. This credit card account was tied to Citi Thank You reward points. I had accumulated XXXX  Citi Thank You points, but they were automatically forfeited on XX/XX/XXXX when Citi closed the corresponding credit card account without informing me. I lost all my Thank You points and their corresponding value.

I called Citi card in the 3rd week of XX/XX/XXXX to file a complaint and request restoring my Thank You points ; however, Citi responded by saying that due to the time frame that has elapsed, they are unable to credit the Thank You points to my account. I called Citi card services again in mid-XX/XX/XXXX, and received a letter stating that the outstanding points needed to be redeemed within 60 days from the date of closure of Citi account. Apparently, Citi closed my account on XX/XX/XXXX and sent me the letter on XX/XX/XXXX informing me that the account was closed and that I had 60 days to use my points. However, I either did not receive this letter, or it was accidentally ignored/thrown away by someone in my household when I was out of the house for 16 days between XX/XX/XXXX and XX/XX/XXXX.

Upon further inquiry with Citi, I learned that this account was automatically closed because of inactivity for several months. While this is true, Citi needs to understand that I have two other Citi credit cards ( and my wife has two Citi credit cards as well ), all of which are heavily used for our daily small to big dollar purchases. In XX/XX/XXXX, collectively we spent more than {$50000.00} on Citi cards, and we are on track to do so again in XX/XX/XXXX. None of my other credit card companies -- for example, XXXX, XXXX XXXX, and XXXX XXXX -- ever closed my credit card accounts that were inactive for more than 5 years. Plus, we have always paid our credit card bills timely, and have maintained an excellent credit score. I explained all the above points to the Citi customer care managers on my two calls, but I am extremely dissatisfied with Citi 's response that they are unable to restore the XXXX   Thank You points I earned.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX check number XXXX for {$150.00} was mailed to Portfolio Recovery Associates with a letter asking that the account be removed from my report upon receipt of the funds of the check presented. 

On XX/XX/XXXX Portfolio Recovery Associates updated their website to show a payment of {$150.00} was made. 

On XX/XX/XXXX check number XXXX for {$150.00} was presented for payment to XXXX XXXX XXXX ( My personal bank ) Between XX/XX/XXXX and Today, the account has for some reason reverted to a balance of {$150.00} and I have tried numerous times by filing disputes with the credit Bureau 's to sending letters directly to portfolio recovery to have this rectified. They continue to only provide me with proof that the original account is valid, not that the balance is valid. 

On XX/XX/XXXX I mailed a final dispute letter to Portfolio Recovery by XXXX ( Tracking #  XXXX ) which was delivered on XX/XX/XXXX at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I paid via XXXX with XXXX that is supported by Chase on the Chase website the amount of {$250.00} on XX/XX/XXXX at XXXX to a concert tickets seller, XXXX XXXX . I did not receive my concert tickets, I called my Chase bank as soon as I realized that the seller is a scammer, on XX/XX/XXXX, at XXXX with a request to stop the funds transfer or to reverse my payment but was told by a Chase representative that XXXX has no fraud protection, and Chase does not provide fraud protection for XXXX as well, although XXXX is listed as a XXXX method of payment once I log into my Chase account. There is No Disclaimer notifying Chase customers on the Chase website or XXXX app that all transactions are final, and NO fraud protection is provided by Chase or XXXX.. I requested to speak with a supervisor at Chase but was told the same thing. A complaint was filed by the Chase supervisor for a courtesy funds recovery. 
This is completely wrong and unacceptable to mislead the customers, and not provide Chase costumers with a disclaimer stating that Chase does not provide any fraud protection for the transactions via their XXXX service with XXXX as this service is supported by Chase, and has full access to my accounts with Chase. 
Can you please look into this situation, and assist me with recovery of my {$250.00}. Chase needs to keep their costumers fully informed and provide fraud protection for all the services that are offered to Chase costumers. 
I filed a complaint with the FBI regarding the ticket seller, and provided the FBI with all the details of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last year I have been back and forth with the credit bureaus about a Bank of America account that is reporting on my credit report I really don't remember having a bank of America account. The credit bureaus keep responding stating that I should contact Bank Of America because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with Bank of America which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the account is reporting 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 2019-04-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild 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 non-monetary relief
Consumer complaint received 2017-12-08
Company: Ability Recovery Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I talk to Barclay card on XX/XX/2017 to try to active my credit card and they told me that my ss # do not Mach with the information that I give them ( but they send me the card ) because I do not fell secure on this credit card I want to cancel, but know they want to get this documentation from me to be able to cancelled, my ss #, my drive licence, an a house bills. 
I call them and I find out that they are not in the United stated, and I do not want to send this information out of here, but they charging me {$99.00} dollars without using the card I get involve to this card XXXX XXXX XXXX card and this is manage by Barclay 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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild 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 2021-04-09
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is a collector by the name of Progressive Management Systems. I have no idea who they are however they are on my credit report with a account I have never heard of. I have never been contacted by the organization. I do not even know who the company is. What they have done is illegal by Federal Law. I would like them removed and reprimanded for breaking the law.

I have disputed the report with the company. I have had no response and in retaliation the balance went up.This organization listed above need 's an audit. They are not in compliance with any standard for XXXX or ethical business. 

Again, no idea who this company is. It looks like a XXXX  company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collector on my credit report representing XXXX XXXX. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ).

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 2020-07-24
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I disputed this item with the Credit Reporting Agency that I owe {$360.00}. I have not resided in XXXX  for over two years. I currently reside in XXXX  and received a notification that my credit record had a collection beginning in XX/XX/2020. I never received any communication from this MEDICAL BUSINESS BUREA nor from XXXX about a medical bill. I have medical insurance and was only required to pay a copayment. I have a copy of all my medical records and there is no record of this debt being owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: UT
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 is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.

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 2018-02-16
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my Wells Fargo debit card stolen. I contacted Wells Fargo and filed a claim. I was questioned who, what, where, when and how. I gave them a full description of what happened. I closed the card and was going to be issued a new debit card. I then received a letter basically stating my claim was not valid and that I owe the amount of {$XXXX}. This amount was not nearly what I had available in my bank account. I then requested that the claim be reviewed again and did not hear back from them until I received a bill from a 3rd party collector on XX/XX/XXXX. I sent a validation letter on XX/XX/XXXX and to date, I have not heard back. I have never received statements on how they came up with the amount.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-01
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt collector is Portfolios Recover Assoc LLC, a/s/o XXXX XXXX XXXX, a/s/o XXXX XXXX   XXXX Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: NRA Group, LLC
State: MA
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: Was not notified of investigation status or results

Complaint:
I was never late on 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