BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: Arbor Professional 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter via certified mail to Arbor Professional Solutions ( XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX ) on XX/XX/2020 to validate a debt of {$680.00}. As of XX/XX/XXXX, I have not received a response from the debt collector. On XX/XX/XXXX, I sent letters to XXXX  and XXXX  informing them that Arbor Professional Solutions had failed to respond to my validation letter and requesting that this debt be removed from my credit reports. At the end of XXXX, I received replies from XXXX  and XXXX stating that this debt was valid despite the fact that I didn't receive validating documents as required by the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: NV
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:
My identity was stolden Police report # XXXX XXXX XXXX XXXX XXXXXXXX police There are 3 hard inquires from cbna on my equifax credit report and equifax refuses to investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that XXXX XXXX XXXX has reported a debt in the amount of {$2100.00} to my credit through rhe collection company Bay Area Credit Services. I NEVER was informed about the debt in question by XXXX XXXX XXXX and I DO NOT BELIEVE THAT I OWE it. I had a XXXX on XX/XX/2021 and was transported to the hospital via ambulatory services, however my health insurance through my employer paid all parties involved. I contacted XXXX XXXX XXXX and informed them that I never received any notiification of this debt and reiterated that I had medical insurance that would cover the costs so I don't know why this account was never brought to my knowledge and how it was sent to collections without even attempting to collect the moeny that was due. The representative, " XXXX '' informed me that they had the wring address listed after I confirmed my address. I went on to provide her my insurance provider 's information ( which they already had..she confirmed ) as well as my XXXX XXXX XXXX. I also will like to mention that I never signed any documents with XXXX XXXX XXXX that gave them permission to report anything to a third party agency so I also believe that my HIPPA protection laws have been violated .I also have repeatedly called and sent written notifications to Bay Area Credit Services , but i haven't received a response. They reported this debt without notifying me that it existed and placed it in collections and this collection is still reporting on my credit and it has hurt my reports tremendously. I would like this debt removed permanentely and immediately or I will have no choice, but to seek legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This complaint involves AmeriHome Mortgage. They service my VA loan. Since the last week of XXXX this company insists I have no Home owners insurance. My insurance agent and myself have supplied them proof of insurance on three separate occasions over the intervening 6 weeks. Today I received another letter from them stating they have documented the renewal of my policy and dispersed the funds. They however still claim that their was a three month lapse in coverage and they will purchase coverage for that and have started a debt collection proceeding. They have received copies of the coverage that was valid during the contested period. I even tried to upload the document again upon receipt of todays letter however their own site states that the document is already on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Was sent new unsolicited cc by barclays and they cancelled my cards because they said they sent me new unsolicited upgraded cc and i never activated the new one. THEN THEY SAID I ACTIVATED THE NEW ONE AND USED THE OLD ONE BY MISTAKE. NOT POSSIBLE I CUT UP OLD CARDS WHEN NEW CARDS COME IN.

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 2022-03-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hope you are doing well. I opened a Chime spending account ( account number : XXXX ) through XXXX website on XX/XX/21. It has been 70 days after meeting all of the requirements, but I've not received the points yet. I tried to contace the customer support but nobody replied to me. Could you please help me check this issue? 

Offer details : When you open an online Chime account online, you get a Chime XXXX XXXX XXXX, a Spending Account, and an optional Savings Account. Get started today! 
1 ) Signup with Chime between XX/XX/21 and XX/XX/21 XXXX ) Download the Chime XXXX. 
3 ) Access your account number and routing number from the app. 
4 ) Add your account number and routing number to your payroll contact or service. 
5 ) Set up payroll direct deposit and receive your first paycheck within 30 days of your sign up date to earn Points! *

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CURO Intermediate Holdings
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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 2017-11-07
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The website to access accounts serviced by SLS has not been working properly. When customers try to log-in, it 's nearly impossible to access one 's account. This is dangerous, especially for customers who have opted to receive periodic statements and other documentation electronically. This has been a persistent problem for months now. Their website does not work even if you tried using XXXX XXXX, XXXX or 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 2019-06-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 3rd attempt to rectify this situation. I have provided proof that these accounts are fraud. I have attached below a document that sent to me from XXXX XXXX XXXX   proving that the account I had with them was fraud. I have also provided proof that the other accounts are fraud. Please review all documentation attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following collection item showed up on my credit report in XX/XX/2019 : MRS BPO # : XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Responsibility : Individual Account DateUpdated : XX/XX/2019 Original Amount : {$100.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< I have no idea what this is for. I do not do any business with XXXX. I disputed this account with XXXX  and XXXX. XXXX removed the item from my credit report but XXXX  returned results of 'VERIFIED AS ACCURATE '. This is NOT correct. I do not have any business dealings with XXXX  or MRS BPO and therefore this item should NOT be listed on my credit report.

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 2020-08-03
Company: EQUIFAX, INC.
State: OH
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:
This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Experian, XXXX and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my 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 2017-07-07
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i got locked out of both my checking and investment account. I contacted my wealth relationship advisor to solve this problem, and they said my account was under review, with all the assets they are managing inside. 
On XX/XX/XXXX, i got an email saying that my accounts will automatically close within 60 days. 
On XX/XX/XXXX, after no solution from the bank though my advisor, i called them, and spoke with a fraud department representativa, who said that because of a previous claim, made on XXXX, my account should be closed. I told him that i was traveling to XXXX  in XXXX, if he could postpone this matter. Representative said yes, and the closing process was stopped. 
On XX/XX/XXXX, I called both the relationship advisor and the asset manager, and they told me that accounts will me closed, and that no reason was given to them. After many apologies from them, and having them said that they tried to find out the reason for the closure, we hang up.

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 2018-01-13
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.

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 2019-06-22
Company: National Credit Systems,Inc.
State: NH
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:
*On XX/XX/XXXX, I received from National Credit Systems, INC informing me of a account they intend to place into collection. 
*On XX/XX/XXXX, I attempted to contact them via phone call, no answer. 
*On XX/XX/XXXX, I sent via certified mail a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
*On XX/XX/XXXX, I sent a second certified letter with a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
XXXXOn XX/XX/XXXX National Credit Systems , INC reported this account to Credit reporting agency XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to rectify problem before with Chase each month when the payment is made the Chase rep calls XXXX to straighten out the payment has been deducted yet by my account I now have a payment history and without knowing I have tons of late charges never disclosed by Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To CFPB I received a credit alert today that something had been placed on my Equifax report, I have just had a doctors appointment because Equifax continues to disobey Federal Law in that they refuse to verify ANYTHING placed on someone's report. I have been notified by my doctor to stay out of stressful situations because I suffer from XXXX and the XXXX XXXX XXXX of the XXXX is greatly affected by stress, Equifax doesn't seem to care about people 's health no, the only thing they care about is the money they are paid from companies that also are violating the law. EQIFAX HAS BEEN WARNED MANY TIMES TO OBEY THE LAW AND THEY CONTINUE TO NEGLECT THIS WARNING. I have had enough of this willful disobedience on the part to Equifax it's time for jail time for Equifax because once again they have continued to disobey the law and this company who has placed this on the report, XXXX XXXX has also violated the law in that I have received no notice of this bogus debt they claim I owe. The governors across the U.S. have passed laws that prohibit medical debt to be reported for 6 months after the debt. But I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief