BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX. 
YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PRVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMDETIALY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITING THE SAME VIOLATIONS AS XXXX, AND YOU ARE COUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELENQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUIOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCONT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE. 


XXXX XXXX XXXX XXXX, YOU HAVE REPEATEDLY SAID THAT THESE DEBTS ARE VALID, AND YOU SENT ME A VALIDATION PACKAGE, CONTAINING MY MEDICAL BILLS, INCLUDING MY TREATMENTS, WITHOUT MY HIPPA CONSENT FORM. YOU ALSO ARE REAGING THE DEBT IN VIOLATION OF THE FDCPA, AND FCRA. YOU HAVE DONE THIS ON ALL ACCOUNTS SHOWING ON MY CREDIT REPORT! YOU HAVE ALSO REAGED MY DEBTS BY UPDATING THE DOLA, IN  VIOLATION OF THE FCRA! 

XXXX XXXX THIS COMPANY HAS RE-AGED MY THIS COLLECTION BY CONTINUING TO UPDATED THE DATE OF LAST ACTIVITY, THERE IS NO ACTIVITY ON THIS ACCOUNT, AND THIS IS FALSE REPORTING. 

YOU HAVE FAILED TO CONDUCT A REASONABLE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 XXXXXXXX

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 2023-08-07
Company: EQUIFAX, INC.
State: GA
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:
Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: R.M. Galicia, 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: Was not notified of investigation status or results

Complaint:
RM Galocoa/progrm mgmt systems is reporting on my file, however I have no contract them and have never opened an account with them. I believe this is a violation of my privacy rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-06-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from Experian, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX also Experian is reporting that I have applied for two XXXX XXXX credit cards ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
XXXX XXXX XXXX inquiry ( 2022 ) i need it removed Experian is refusing to honor my wishes

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 2022-02-23
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022, I spoke to my bank Wells Fargo and the agent I spoke to is XXXX regarding constantly overdrawing my account, during our conversation, the agent said the reasons for my account being constantly overdrawn is because of re-occurring payment and I told her to disable all re-occurring payments of which she said she did and instead of giving the full overdraft credit, I was given a partial credit. I also turn off my debit card and only turn it on when I need to make a transaction to be able to keep track of all transaction going in and out of the account prevent my account from being overdrawn. However, on XX/XX/2022, the bank decided to authorize another transaction on the account in spite of me telling them not to, this time they said it was an ACH debit, and in the past, most ACH debit that has occurred on my account come out as a check and when I ask the last Agent I spoke with about the check number, I was told that because it was an ACH that there is no check number, but every other ACH debit I have on the account has had a check number but this particular transaction {$24.00} has none, and I was charged {$35.00} for overdraft even when I have repeated told them not to authorize any transaction from my account when there is no money.

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 2018-12-12
Company: JPMORGAN CHASE & CO.
State: MI
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:
Im Apply Chase bank Credit cards 2-3 times because my debit card is chase bank .. Im new in United States So chase bank not give a credit card I think short credit history but Im not sure.. so now 3 hard inquiries in my report and some others I dont know about others.. so please remove hard inquiries in my report because its hurt my score .. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited check on XX/XX/22 with teller in pnc branch and it was posted after few days. After three weeks as I tried to withdraw the fund from branch. Teller told me check is on hold. After that I called customer service spoke to the agent for two hours. Two hours later I was told everything has been sorted and funds are Available in my accounts to withdraw. After the agent hanged up. I got notifications that my balance is low. As I logged to the account. I see the entire amount of the check is missing and I called pnc again. Now pnc says they dont know what happened to the fund. They kept me on hold for 1 hour for supervisor but no one came to address the problem. I like to know where is my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: CA
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:
Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: First Federal Credit Control, Inc.
State: FL
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:
YOU ARE RE-AGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY RE-AGE THIS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMEDIATELY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS XXXX  INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: R & B Corporation of Virginia
State: FL
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:
YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMATERIALLY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Control Corp claims that they sent their standard validation package to me, which I never received, and yet they claim by their standards, that since there was no returned to sender that I received their validation package. They have no proof I did. If they wanted proof, I received their letters, and validation info then the letters would been sent certified mail. Which I sent to them on several occasions, therefore I knew that they received the packages I sent to them. They are in violation of FDCPA by NOT providing me validation information within 30 days, and proof that I received it. Further more they are in violation of the FDCPA by reporting a past due balance to the credit bureaus on a collection account and compounding the violations every time they verify the account as accurate! I am attaching my disputes submitted to Credit Control Corp, yet I do not have their responses since I did not receive any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello. 
We received a letter from Bank of America-Special Loan Servicing department XXXX XXXX XX/XX/XXXX. In said letter, Bank of America re-amortized our loan, gave us a breakdown for the entire years of the loan. In addition to the breakdown, they also included an agreement and specifically stated in page 2 section 5, that our new mortgage principal balance, at that time was now {$130000.00}. 
I have called now for several years, regarding the following concern. On our monthly statements, we had the balance of {$130000.00} ( which now, has gone lower ) and we also see on our statement that we also have a non-bearing interest balance of {$84000.00}. 
Recently, due to the interest rates being so low, we have attempted to refinance to a lower interest rate, but because this issue is not resolved or that non bearing interest balance has not been removed, we have not been able to refinance. 
I have called Bank of America, even more so, to handle this, since XX/XX/XXXX, and every week, only to hear, nobody knows how to resolve this. They have transferred me to Case management dept, only for them to tell me they can not handle my call. BOA has transferred me to different departments to include special loans department, collections, customer service, bankruptcy department, just to name a few. They have advised they have escalated several times, but nothing has been resolved. It has been very hard to get answers and resolution from Bank of America.

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 2021-08-11
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX has reported an outdated balnce to 3 CRAs since XXXX. XXXX XXXX reports the alleged debt as collections. XXXX XXXX has not provided written contract with my signature. The alleged amount has been paid by the federal government and this company is trying to collect the same amount from me. On or around XX/XX/XXXX, I requested a reasonable review within 15 days to remove the derogatory remark. The last letter I sent was to its PO box in XXXX, Florida. I have not received a response from the company within 30 days of receipt of my debt validation letter.

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 2020-01-16
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my credit profile and seen this account by CREDENCE RESOURCE MANA In the amount of {$2800.00} with and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account on XX/XX/XXXX with XXXX/XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.

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 2019-05-06
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my vehicle was repossessed spring of 2017 on a Thursday evening around XXXX I was headed to a late evening meeting and the repo truck meet me behind the vehicle they were taking. I began to get my things out of the car and they began to get very aggressive both verbally and physically. I put my key into the ignition so that I could put the car in neutral for them. As I put the key in the ignition the repo truck operator grabbed my hand and yelled at his partner " I got him key get the key get the key ''. as he squeezed my hand and snatched the key out of my hand. This was a breach of peace. in regards to the debt owed I never received a letter stating my debt I moved from my old apartment. the only way I found out about this debt is because I was contacted by my grandmother who lives in XXXX Ohio and she said that I was being sued I drove to XXXX to take care of it however im not sure how they even obtained her address but I live in Indiana the entire time even when the loan was originated but they're suing me in Ohio for a unverified amount of money that I was not even aware that I had the right to dispute. I contacted Automotive credit Corporation about the debt owed and they said that they would not discussed the debt any further unless they speak to an attorney.

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