BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has a collection on my credit file. I sent a debt validation letter. They sent me a piece of paper with my name account number bill period and bill date with amount. I have also did a dispute on the item and it has been denied. I have no knowledge of this account. It has an address that is old. I moved in XX/XX/XXXX and they are stating a bill for XX/XX/XXXX at the old address. I did not have XXXX at that time. I have been with another cell phone company during the time they are stating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: JPMORGAN CHASE & CO.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 our family was at XXXX XXXX in XXXX and someone stole my wallet, I was unaware it was taken until my husband and myself were notified of some large charges made on our credit cards Via text messaging on XX/XX/2018. We responded to the text messages by stating NO these charges were not authorized. The Chase Southwest Card was one of the cards that sent a text as well and they were CALLED immediately after they sent the notification and they were told the card was stolen and stated the charges were not authorized and to close the account. I had three cards in my wallet my ID, health insurance cards etc were taken. We contacted all three credit card companies that had been take. We closed al three credit card accounts as as our our bank and checking accounts. I filed a police report and had to get a new ID as well. The Unauthorized Charges were processed at XXXX XXXX stores in the XXXX area. Two of the three cards did send letters stating they did see these charges were not authorized and they credited our account. Chase Southwest is stating they will not credit our account and they find these charges valid after they reviewed our account. I have provided information several times to Chase Southwest card services on many occasions as they would not tell us what they needed up front. ( we provided all documentation requested to Chase Southwest to prove these were fraudulent charges ) Chase card service has a copy of our time cards, police report and our ID 's as well as other letters from the other credit card companies that stated they have found these charges as fraudulent and nothing has seemed to help them see these charges were not valid. We have contacted an attorney which wrote a letter on our behalf requesting they re consider the decision made as we have provided them with several documents to prove we did not authorize these charges and could had not possibly made these charges as we were at work. We are asking for help in this matter as we have been advised from our attorney file a formal complaint against Chase Southwest. Please find attached documents we have sent to Chase Southwest on many occasions, as documentation the charges are charges that we did NOT authorize. The only response we have received since the attorney sent the letter ( second time it was sent ) was a copy of our statement which had nothing to do with what the attorney had requested and no letter was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My XXXX XXXX . auto claims report erroneously lists me as the vehicle operator for an accident that occurred on XX/XX/XXXX. I am in receipt of a letter from XXXX XXXX showing that this erroneous information was considered when calculating my insurance premiums. 

I called XXXX on XX/XX/XXXX and was advised that my dispute would be investigated. As of this afternoon, the error remains on my report. 

I called XXXX this afternoon, XX/XX/XXXX. I was told that XXXX XXXX has confirmed that the information I disputed was incorrect. The agent was unclear why this information remains on my report, but promised to have his company 's investigators review the file. 

I would like this error corrected and new copies of my XXXX XXXX report sent to me and to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a US BANK cash+ credit card under the banks strong recommendation on XX/XX/2017.  She told me I will get a {$150.00} new cardmember bonus after I spend {$500.00} in first 90 days. However, I have met that requirement for a long time. But I never received the bonus. I called the credit card service center once in XX/XX/2017. They told me they need more time to process my bonus with a visa gift card. But, still, I never received it. I have contacted the banker several times and she never responded to me.

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 monetary relief
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern this is the Third time I have attached to this complaint a copy of my ID and SS card. I have requested to remove any blocks freeze or Fraud alerts off my credit file please!! I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB 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 2018-01-21
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
amount was paid immanently after contacted. Prior to being contacted i was under the impression my dead line was at a further date.

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 2018-01-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.

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 2019-07-19
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Equifax certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
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:
DENIED CREDIT DUE TO XXXX XXXX, EQUIFAX, AND XXXX CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
At a recent visit to Best Buy, store employees fraudulently tried to sign me up for Best Buy 's private-label credit card. I expressly told them that I did NOT want to apply for the credit card, but they repeatedly ignored me and attempted to sign me up for a credit card. 

On XXXX XXXX, 2017, or there about, I received a letter from Best Buy credit services informing me that my credit card application had been denied. I was shocked to learn that the Best Buy store employees had submitted an application in my name AFTER I stated that I did NOT want a credit card.

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 2018-01-15
Company: Navient Solutions, LLC.
State: NY
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:
I am currently on payment plan where {$70.00} is automatically deducted out of my bank account on the XXXX of each month by Navient. In the month of XX/XX/XXXX, Navient did not deduct {$70.00} from my account as they had been doing for the past year and a half. As of XX/XX/XXXX I received a letter from Navient stating my account has defaulted and I currently owe them the full remaining balance of my loan. I have attempted to call them multiple times and have been unsuccessful with reaching a person to speak with. This is not the first time I am having an issue with Navient. Over the past few years I have received wrong information, been denied repayment options, and have been threatened by them regarding re-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: SIMM Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX This debt was originally procured through XXXX  XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as Simms Associates. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. Simms Associates has no standing legal collection process. So recently they assigned the collection to a law firm known as XXXX XXXX XXXX XXXX, XXXX, located in XXXX, MD XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is Simms Associates trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both Florida and Maryland. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against XXXX XXXX XXXX, XXXX. with the Maryland Bar Association. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have made several attempts in clearing up all inaccuracies on my credit report. My name, address, social security number, inquiries, accounts and telephone number. I have called and sent in letters. I have one name, one social security number, one address, one telephone number. Inaccurate accounts. false inquiries.

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 2021-04-14
Company: EQUIFAX, INC.
State: NY
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:
THIS IS MY THIRD TIME WRITING THESE AGENCIES. I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 'S XXXX XXXX, XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2018-01-15
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Closed escrow on my first home in XX/XX/XXXX. I paid a large amount for my escrow account and payments to be handled in a professional manner. In or around XX/XX/XXXX, I was contacted by Primary Residential Mortgage Company of an escrow shortage not forseen earlier in the year. My payment would go from $ XXXX/mo to $ XXXX/mo for one year to replenish the escrow account. In or around XX/XX/XXXX/XX/XX/XXXX I received another letter after numerous attempts to get additional information about the shortage by calling to no avail. The next letter from Primary Residential Mortgage Company stated that once again there is a shortage in the escrow account and my payment would pretty much remain the same for calendar year XX/XX/XXXX. We contacted Primary Residential Mortgage Company executive offices in XX/XX/XXXX to request a complete audit on the mortgage from it 's inception and was told it would be completed in approximately 2 days. On the phone with XXXX XXXX, Primary Residential Mortgage Company executive offices, the call was dropped and she never attempted to call back even after several messages were left between XXXX 's number and the CEO 's secretary 's number, I believe her name was XXXX. We did receive a letter stating a separate audit was completed on this mortgage on XX/XX/XXXX stating there were errors found and that we would receive a refund, we do not recall ever receiving the refund. It is my belief that if Primary Residential Mortgage Company can not accurately account for the escrow accounts of their customers without breaking their savings account in the process, for services paid for and rendered, Primary Residential Mortgage Company should have to compensate for such a radical error. Especially on someone 's first home buying experience which has now turned into a nightmare with a mortgage company who could careless about the younger generation and how business is to be conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked for a verification of debt, was provided with verification. The debt does not belong to me, as I have never lived in the state of Florida and can provide bills verifying my residency in Georgia for the last decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of 2020 an unknown person opened a XXXX account and used my credit card information. This individual racked up nearly {$500.00} in charges on this XXXX account across multiple transactions. 

I opened a dispute for each of them believing the ordeal was over because no further correspondence was received. 

If you look at the shipments associated with the fraud they were not sent or received in the state which I reside or any other transactions for my credit card had been used further suggesting fraud but Citi ignored this. XXXX responded to the chargeback stating that per the XXXX terms and conditions I was required to report fraud within 15 days or accept the charges. Citi failed to properly notify me of the response and accepted the explanation that a 3rd party accepting the XXXX Terms on a new account should bind me to the XXXX Terms and Conditions Citi accepted this response and applied multiple charges to my account effectively reversing their conditional credits. I was later told that I didn't receive notice via mail due to being enrolled in Paperless Billing. If I go to the Citi Dispute Center most of the chargebacks don't show up and none of them show the outcome. 

This is deceptive trade practices designed to give merchants the ability to use automatic chargeback responses as a way to get a small percent of charges to stick. Citi in turn unfairly profits from the fraud. 

XX/XX/2020 - XXXX - {$48.00} XX/XX/2020 - XXXX - {$1.00} XX/XX/2020 - XXXX - XXXX XX/XX/2020 - XXXX - {$36.00} XX/XX/2020 - XXXX - {$370.00}

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 monetary relief
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX Card debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by Bank of America. I went on medical XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from Bank of America to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on medical leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the XXXX card. 
When XXXX XXXX XXXX called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from Bank Of America, I owe them nothing. I think this charge of {$890.00} is a false charge.

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