BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, i received an unsolicited email from " XXXX '' with the subject XXXX Account Information The body of the email states : Hello XXXX XXXX, If the reader of this message is not XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX, and permanently delete this message and your reply to the extent it includes this message. 

Important account information is now available regarding your XXXX Account. To view your this information, please click here. 


Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX GA XXXX XXXX I assumed it was a phising attempt and moved it to my spam folder. Also, I noted my FIRST name and LAST name were transposed. 

On XX/XX/2018, i received a written letter from Sequium Asset Solutions LLC that states I owed XXXX {$26.00}. I have not had XXXX XXXX   for several months and never received any notice that I had any past due outstanding balance. 

I called XXXX Customer Service at approximately 5:00 pm on XX/XX/2018 who confirmed I had no outstanding debt past due. 

This appears to be a sophisticated phishing scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: CITIBANK, N.A.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Checking my credit, and I have n't applied to the company, it is a reoccurring problem each month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account with XXXX XXXX back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. XXXX keeps selling this closed account to other business and therefor still showing on my 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 2019-06-11
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please accept this as a Qualified Written Request for a Short-Pay Statement for loan number XXXX. Thank you, XXXX 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 2021-09-20
Company: Bread Financial Holdings, Inc.
State: NY
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:
Had XXXX XXXX  do work to my teeth comenity capital gave me the loan i was behind on payments so i went to XXXX XXXX for loan they sent check to comenity capital for XXXX on XX/XX/2020 three days later they sent me a letter saying they sold my account. They cashed the check and said they have no idea where the money is. This is still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Paypal refuses to refund me {$39.00} for a fradulant transaction - XXXX - they are working with a known international scammer - XXXX XXXX XXXX, XXXX  - They preport to protect their users from scammers and ensure each transaction is safe. They are asking me to mail a product back at my expense and the shipping cost more than the product - this is a common fraud technique used by XXXX compainies - The product does not work and is NOTHING as the product is descrobed. Pay Pal is a party to this fraud - Transaction ID:XXXX - XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have called BMO corporate office several times and spoke with XXXX. I have advise her that my payments were being mis applied and bmo was reporting negatively on my credit report as a result of these mis applied payments. XXXX advise she woukd speak with the appropriate department and have them reach out to me once my payments were applied correctly. I never received a call and my payment are continously being applied incorrectly and my credit report is still showing negatively with bmo harris bank. Ive tried to call the corporate office and XXXX mutiple times and i have left mutiple messages and no one answered and no one has returned my call.

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 2021-09-20
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XX/XX/XXXX, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. 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 2018-03-15
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being aggressively contacted and threatened with legal action about a debt that I don't owe and that no one has even tried to validate. 

I received a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, that incorrectly stated that my XXXX/XXXX XXXX account is in collections in the amount of {$500.00}. This is not true because I paid off the card on, and didn't use it after, XX/XX/XXXX. 

I responded with a request to validate the debt on XX/XX/XXXX. I never received a response to that request. 

XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, that said I owed {$500.00} and if they didn't hear from me by XX/XX/XXXX, they'd pursue legal action. I responded with a request to validate the debt on XX/XX/XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX, again stating that if they didn't hear from me by XX/XX/XXXX, they'd sue me. 

In addition to the aggressive attempts to collect on a debt that I don't owe ( and that has yet to be validated ), XXXX XXXX XXXX has been calling me excessively ( two to three times per day on the weekend, and at least once per day ). I requested that they put me on their Do Not Call List, only to have them call me again two hours later. 

You may wonder, " Why won't you speak to XXXX XXXX XXXX over the phone? ". Because I have read a lot about their shady business practices, so I will only communicate with them in writing. 

Here are the dates and times XXXX XXXX XXXX has called me : XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX ( this is when I told them to put me on their Do Not Call List ), XXXX XXXX, and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX This is a lot of harassment and attempts to aggressively pursue a debt that I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Mountain Run Solutions, LLC
State: FL
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:
Collection on my credit report on account ( XXXX XXXX ) opened on XX/XX/2019. Do not know anything about it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
cra violation inaccurate information id theft victim sent all po reports and hdp reports

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 2022-12-16
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, my online ID IS locked and I literally just set it up on the XX/XX/XXXX. There is only {$25.00} in the account from my initial deposit, not sure whats going on with my account but I cant use it. 

Thank you - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There have now been three attempts to validate XXXX account on my credit file. They conducted an investigation in XX/XX/2018, but their investigation conflicts with XXXX   investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and Transunion and XXXX have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2018-08-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.

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 2018-08-20
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: Account information incorrect

Complaint:
the amount owed is totally incorrect. There is NO WAY I owe {$77000.00} This hurting my chances to purchase a home ... ..I need this REMOVED until we can figure out the correct amount and come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Paramount Recovery Systems, L.P.
State: LA
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 initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Paramount Recovery. Paramount Recovery placed a collection account on my XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. Paramount Recovery did not provide any documents or evidence to verify the account, but instead XXXX kept the account on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX   reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Paramount Recovery did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned the equipment ( mobil device ) to the XXXX store and cancel the account, around 7-8 years ago.. 

They said that I didn't. So XXXX started to bill me for the mobile device, then after a couple of years, they changed the debt to it was for calling services ( I used to have an unlimited plan ... ) and recently they change the date to XXXX. The original date comes from XXXX .... 

They want me to pay for their mess, they change the supposed reason for the debt and the dates to justify the collection ... they try to deceive me, to harm me ... 

By the way, I have my mobil service with XXXX XXXX XXXX since XXXX XXXX or XX/XX/XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: ZWICKER & ASSOCIATES
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/17 XXXX XXXX XXXX XXXX notified me by email that they were collecting balance due on credit card on behalf of XXXX XXXX. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
Zwicker and Associates notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our XXXX. Which we solely depend on to do business. 
Zwicker overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
State: CO
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:
I applied online for a Chase Freedom XXXX Credit Card on XX/XX/XXXX, 2021.. The reason I applied was the advertised feature of 5 % cash back on supermarket purchases and {$200.00} bonus reward if {$500.00} was charged within the first three months. I was instantly approved. A week later I received the card in the mail which also included various brochures including a Guide to Benefits. That Guide did not mention either the 5 % cash back on supermarket purchases or the {$200.00} bonus. I assumed that Chase sent me the wrong card. I phoned Chase customer service and was told by the person answering the call that I received the correct card but Chase doesn't put in writing the terms of its promotional offer. I couldn't believe it so I asked to speak with a supervisor. The supervisor who would only give me his first name, XXXX in Missouri, did say that if a cardholder specially requested the terms of the offer, Chase would disclose them in writing which would take 10-14 business days. Also only when I asked, he told me that the operative date for determining the three month period was the date Chase approved my card even though I didn't have a card to use for part of that three month period. 

I believe that the practices described above are outrageous and that Chase should be sanctioned. In addition Chase should be required to disclose all terms of its reward program including promotional terms in the package included with the card delivery and that any time limited offer such as the three month period to accumulate bonus rewards should begin on the date the card is activated, not the date Chase approved the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
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:
On XX/XX/2016 I purchased a vehicle from Auto Now Financial Service Company. I was never late on my payments the car was totaled in an auto accident in XX/XX/2016 and was paid in full by XXXX XXXX XXXX paid directly to Auto Now Financial. I attempted to purchase another vehicle from Auto Now Financial although this was done at a different location owned by the same company. The car I was trying to purchase had front axle damage. I reported this problem to the dealership within the first five days. The dealership stated " how do you know it is axle damage? we do not cover tired damage '' I again informed them I took the car to a mechanic who informed me it was axle problem and the car was unsafe to drive. The dealership had previously removed two locking bolts from the two front tires prior to me taking the car. I informed the dealership that I did not want this vehicle and they refused to take it back. The car sat in my apartment complex for three weeks before the dealership showed up with a tow truck to take it. I never gave them a down payment and never made a monthly payment for this vehicle. Auto Now Financial has since reported on my credit report that I did made two payments one in XXXX and one in XXXX of 2016 although their report does not show amounts. They reprocessed my original loan that was paid off by the insurance company as a transfer to the account now listed on my credit report. This was done without my consent or my knowledge. I just found out today of this action. I have never been able to purchase another vehicle since they have done this. Auto Now took the vehicle back and resold it although they have still been reporting as late on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: CA
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:
Disputed a collection account twice with Equifax and XXXX XXXX XXXX to remove an inaccurate account. Equifax responded back to both disputes stating the account is " accurate '' as is and it will be staying on my credit file. XXXX XXXX XXXX is a collection company, this collection company and all monies owed to them for original creditors was covered in my Chapter XXXX Bankruptcy. XXXX XXXX XXXX recently sold " debt '' to another company called XXXX, XXXX who is now listed on my Equifax credit file. I sent the appropriate paperwork to Equifax substantiating my claim and they still claimed the account is accurate as is.

Company response to consumer: Closed with explanation