BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My Edd card account has fallen into disqualification and Im trying to activate my card online, but it doesnt go through so I. Called boa to activate my card after all Im trying to get a username so I can transfer my fund out My name is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out this company on several occasions asking them to validate this accounts information for it is not mines. 
I've requested this information directly and indirectly to Ginny 's. 
Dates as follows ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and countless other dated to the Bureaus. 
Ginny 's INC Account number ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Titan Receivables, 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 status incorrect

Complaint:
Titan Receivables is reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is very old and is past the statute of limitations in Utah and it is also past the credit reporting limit. Reporting this account on my credit is a violation under the FCRA and the FDCPA. Yo umust remove this account from my file. I will also inform you that if you office have or continue to report invalidated information to any of the three major bureaus, this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Titan Receivables I will not hesitate to file for legal suite for Violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: LPSG
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RevMD Partners received a validation notice and a notice of account settlement with XXXX XXXX from me via priority mail no XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not received a valid response to validate that RevMD Partners are Holders in Due Course. In the notice received, Ive kindly requested for RevMD Partners to cease and desist. Revmd Partners ignored my request and during the validation process RevMD Partners changed their original reference number from : XXXX ( see letter date XX/XX/2022 ) to reference number : XXXX, with a new balance of {$490.00}, and new HIPPA violating documents. Due to the change, it yielded no additional fees with the XXXX XXXX. This account was settled with the XXXX XXXX on XX/XX/2022. 
Please be advised that RevMD Partners are not Holders in Due Course ; no services or goods were received from RevMD Partners and I have not agreed to pay/tender anything to RevMD Partners on behalf of their alleged client XXXX XXXX for any reason. 
RevMD Partners have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
This proves that RevMD Partners is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. I have not provided signed any wet-ink releases of my private medical information to RevMD Partners.

This is proof that my HIPPA rights have been violated according to the letter from RevMD Partners providing a list of unverified medical service fees provided via US mail on XX/XX/2022 RevMD Partners do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. RevMD Partners reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX   XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: VA
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 : Account # XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXXXXXX has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXXXXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX XXXX Dismissed 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 an account without my written instructions

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 2021-06-10
Company: EQUIFAX, INC.
State: DC
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:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, 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:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Tried to get old address removed in lieu of recent issue with an address that wasnt mine. Would only like to have current address showing on XXXX, Equifax, credit report. Please remove all former addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Saturday, XX/XX/XXXX, approximately between XXXX XXXX, I attempted to deposit {$1000.00} in cash into my checking account using a Bank of America XXXX ATM ( ATM ID # XXXX, branch located on XXXX XXXX in XXXX XXXXXXXX XXXX XXXX ) when the machine took the cash, suddenly spat out my debit card, and shut down. The odd thing that I noticed was that when I put the money into the cash deposit slot, it took the money but the machine did not make any clicking noise to count the cash. Unfortunately, I could not contact or reach anyone because it was beyond their service hours for the weekend ( ATM issue service ended at XXXX XXXX XXXX  ). 

I then contacted the BofA ATM issue service number on Sunday to report the incident ; a guy who took my claim the knew the ATM ID without my telling him, and stated that my account would temporarily be credited by Monday night ( XX/XX/XXXX ) while they do the investigation. I urged them to check their recorded ATM surveillance video as it should be on XXXX to which he said they do. 

Come Monday night, I find no cash deposit credit, no updates or any evidence of my claim anywhere. No email, no communication. So I called back again today ( XX/XX/XXXX ) around XXXX XXXX and spoke with XXXX ( asked for her name this time ), and she stated that there had not been any ATM claim under my account. So I had to restate the case, included all the details, and now I have to wait for them to finish investigation up to 10 business days. 

I would like my {$1000.00} in full as it should be deposited into my checking account and BofA be held responsible to pay any XXXX fees that this deposit delay may incur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I wanted to report a fraudulent international transaction that was done using my XXXX account. 

Parties involved here : XXXX  ( an international money transfer service ) My bank : Fifth Third Bank. 

Today morning, at around XXXX CDT  I noticed a transaction of {$2000.00} that was done. 
Recipient was an Individual in XXXX holding a bank account with XXXX bank. 

Please note : this transaction was not done by me. 

Action taken from my side : 1. Contacted XXXX and informed them about this transaction. 
2. Emailed my bank about this transaction. 
3. Filed a report at identitytheft.gov Action taken by XXXX : 1. Deleted my payment method ( debit card ) 2. Cancelled another fraudulent transaction. 
3. Suspended my account. 

Action taken by my bank : As of writing this complaint, I don't know what action has been taken. 

Action taken by me : I did call my banks customer service and they provided me with another phone number which belongs to fraud/disputes department. 
I called fraud/disputes department of my bank but no response. My call was placed on hold for a long time. 
I have sent an email to my bank along with the dispute letter provided by identitytheft.gov Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: RI
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: Investigation took more than 30 days

Complaint:
hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2021-02-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was going to be closed! I have not received anything in the mail or any updates. I have funds available and I have not yet received it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final  attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account. 
This letter is regarding account # XXXX XXXX, which you claim i owe you. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX FIN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/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 2017-07-27
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has reinserted a previously deleted account ( XXXX XXXX XXXX ). I 've attached the information to this complaint. According to the FCRA : Section 611 ( a ) ( 5 ) ( B ) of the FCRA clearly outlines the rules regarding the reinsertion of negative information that had been removed in response to a customer dispute. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.26 ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.27

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CONVERGENT OUTSOURCING, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I have never signed a CONTRACT or PROMISSORY NOTE with the company CONVERGENT OUTSOURCING.

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