BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In short, I XXXX from XXXX in 2016. I have two need-based loans serviced through ECSI. I have been in medical school for the past 4 years, thus the loans went into deferral.

Upon checking my credit score earlier today, I was very surprised to see a notification for two delinquent accounts. ECSI had apparently re-opened the accounts as I have now completed my graduate education. However, I received absolutely ZERO communication regarding this fact. I missed two months of payments because I never received a statement on any occasion from them. Upon discovering this error, I immediately payed the full balance due, however, my credit score now has the history of delinquent accounts and dropped nearly 100 points.

This is an abject and total failure of communication on the part of ECSI. It is equivalent to a credit card company simply not sending a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collection agency in New Jersey is contacting my family member to tell them that I owe {$3000.00} to Citibank. I have asked them to remove the number of my XXXXyear-old mother who lives XXXX miles from me - but they continue calling her every day. I owe the debt but am currently unemployed. The caller uses a threatening tone and makes vague statements to my mother - but hasn't left a voice message or call for me. In XXXX I asked the to stop this. They continue. 

Previously a woman was calling and I told her not to call my family. The calls stopped. However this week a man named XXXX has called my mother every day. I have spoken to him and told him this was harassment and he agreed. But the calls have not stopped. 

XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I visited XXXX XXXX for a tour. I was asked to sign a few documents before the tour, and I was asked for a debit card, and ID prior to the tour for what they claimed was " Insurance Reasons ''. After the tour, I was charged {$250.00}, and the same day I filed a claim with my bank. Since then, I've contacted the company in question and they claim I need to request a cancelation, and it takes 30 days after the cancelation request for it to be in full effect. They claim I would need to pay that initial fee, and then one month of service, then it could be cancelled. I tried to request a block on payments from that company, but my bank claimed that was not possible. The next month I called, and asked again, after another payment had been taken out, and they finally did block payments from that company. That was after 3 months of charges. Yesterday, on XX/XX/XXXX the chargeback was reversed, which put me in the red, and I am now expecting at least 2 overdraft charges. According to my bank they aren't willing to move forward with this anymore. Hence being here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I had two collections accounts report on my credit for the same debt that I settled with the original creditor. On XX/XX/XXXX I requested proper validation of the debt including " What is the money you say I owe you for. Explain and show me how you calculated what you say I owe. Provide me with copies of any documents that show I agreed to pay. Provide any verification or copy of any judgment if applicable. 
Identify the original creditor. Prove the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state and provide me with your license number and registered Agent ''. Upon receiving this letter Portfolio only partially validated my debt as you will see in the documents provided. On XX/XX/XXXX I sent a second letter once again requesting proper validation only to be provided with the same documents sent the first time. I do not owe this debt and do not know where it originated. Not only that it is reporting on to my credit as two separate debts with separate account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is under litigation. The balance is incorrect and I need it removed from my credit report immediately.

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 2019-09-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Banks wont approve my applications and not giving an explanation of why being the fact i filed for stolen identity

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 2020-10-08
Company: COLLECTECH DIVERSIFIED, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX on my XXXX file. I requested they prove the debt was valid and accurate. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. 




FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2023-11-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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:
It appears that my credit with you has been compromised. I was going through my records and noticed that the disputed inquiries, which do not belong to me were still reporting in my credit reports. This is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the ( XX/XX/ ). Ive already included this issue in my previous letter & I am including it again. Also, the information you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and I have doubts about your reporting accuracy. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by Experian. This has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.

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 2023-11-25
Company: Stewart Information Services
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
i have been trying to refinance my land contract mortgage and I do not get a response from the fiduciary or the title company where the mortgage was created.

1. Who own my real estate contract now? Did you sell it to someone else? Respond to this question 2. Did someone paid it off? Respond to this question 3. please provide receipt of the final transaction before transfer/sale advising where the funds went, if they were sent partially to different places, a receipt of the transaction 4. May I have copies of the cashed checks and all checks I have paid for the contract ( cashier checks I provided to the trust company XXXX Escrow ). I was told by the senior law office and the veteran case worker ( we are military family and married to military officer ) that we are to have copies of front and back of all checks we paid and given to the escrow company since WE paid them. It is our money from pensions and social security. 
XXXX. The courts should have XXXX but only XXXX appeared to payoff the real estate contract that wraps the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. If there is a " change in the terms '' please provide reasons of change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company response to consumer: In progress
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind Equifax of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that Equifax takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: IL
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19, I attempted to open an account with BMO Harris Bank online. While signing up, it requests information to fund the account from another institution, and seeks the account information for a transfer. importantly, the screen states that your money will not be transferred until you complete the application process. 

When I went to complete the process all the website did was show me the information I had submitted already. It did not confirm I had completed the application, did not advise whether it was successful, and did not provide any next step in the process., 2 days later, I receive an email telling me my initial deposit of {$6000.00} was successful. Again, no information on how to access my account. To date, I have made no fewer than 11 phone calls. I have confirmed that despite the lack of information, BMO Harris did open an account, and does have my money. Unfortunately, I can not access any of my money because the bank now says it can not verify my identity and does not give out bank account numbers over the phone. In discussions with customer service, they have apologized because the failure to give the bank account number to customers is a " common problem '' they are trying to fix. 

In the meantime, the {$6000.00} transfered from my XXXX  XXXX XXXX account -- without even confirming that I wanted to complete the application or telling me the bank account number -- si now outside of my control and BMO Harris. Bank, will not give me access to my alleged account or my money. I have not ever been given a bank account number.

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 2019-09-15
Company: EQUIFAX, INC.
State: KS
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:
Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/XXXX Last update XX/XX/XXXX XXXX  XXXX XXXX Credit card {$1500.00} I am no longer liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation