BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$230.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Two separate issues I have that need to be addressed. First, I signed up for the checking account with the stated bonus of XXXX XXXX XXXX miles after completing 2 Enhanced Direct Deposits combined of at least {$1000.00} and spending {$1000.00} on my debit card. The terms attached state that I have 90 days to complete the terms from account opening but then when all terms have been met the bonus will be deposited to my AA account within 30 calendar days from meeting the terms. I spoke with the chat team on two separate occasions which confirmed that I met the terms, and I should see the miles within the end of the week of XX/XX/XXXX. I completed all terms on XX/XX/2023, and the miles should have been deposited by XX/XX/XXXX. They did not appear by XX/XX/XXXX, which was quoted to me by two agents, so I called in. This time I was told it is 90 days + 30 which is not what the terms I have attached say at all. Citi is breaking their own agreement with me. 

Now the second issue has popped up right after I called in to complain about Citi not honoring the terms of the agreement we had about the miles. Now my account access is blocked, and I can not get into my account. Not one email or phone call from Citi to let me know anything was going on. I only found out about this because I had made a payment out of the account on XX/XX/XXXX that I was contacted by the merchant telling me it was refused, and I needed to make arrangements with them to cover the balance. So, I contacted Citi by phone on XX/XX/XXXX and was put into a conference call with the fraud department with an agent named XXXX. She only asked for my phone number on file which I gave, and she said they could not verify my account through that phone number and that she has no other options to verify me and then proceeded to hang up on me. Terrible customer service and now I am locked out of my account with no recourse. If they are not honoring the payments I have coming out of my account, I have a balance of {$1000.00} they are holding hostage. I have companies that are contacting me now to make good on payments that I have adequate funds for in this account and I am afraid if this isn't resolved I will be sent to collections when this wasn't my fault to begin with. On top of that, the terms for the checking bonus state that my account must remain in good standing to receive these miles and feel this is a way for Citi to try and have claim to deny what I have rightfully earned.

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 2023-09-20
Company: LendingPoint Holdings LLC
State: FL
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:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear WAYPOINT RESOURCE GROUP ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sold my house in XXXX  XX/XX/XXXX recieved proceeds for sale XX/XX/XXXX and deposited said check along with a second check on same day on XX/XX/XXXX chase froze all my accounts with them and said they can not call the issuer of check because there number is not a secured # so because of this they will be closing all of my accounts on XX/XX/XXXX and will be keeping the proceeds from the sale of my house ( XXXX ) plus any other money i had in my account they claim after my account is closed they will be sending all of my funds to the state of XXXX  ; even tho the issuing bank confirmed with chase that the check was cleared. i was never given a chance to submit the legal documents from the closing i need this money to be returned this is my life savings and as of now i have no access to any money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts and inquiries are inaccurate. Please help me remove them. Thanks!

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/2022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them and I hope his time you will not ignore them.

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 2023-08-03
Company: Synovus Bank
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing an account with Fist Progress. I have asked for validation in which the response did not show a contractual agreement bearing my signature. The most recent letter was sent on XX/XX/2023. The account shows inaccuracies with the date opened, credit limit, date last active and the date of last payment. I am requesting for the inaccurate account to be DELETED off my credit report. It is reporting to XXXX XXXX and XXXX I initially contacted the credit bureaus that the account was reporting to and since an investigation was to be done First Progress has not deleted or tried to rectify this situation. The account does not belong to me and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, XXXX and EXPERIAN ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. Experian, XXXX and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/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 2023-09-20
Company: EQUIFAX, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXXXXXX 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 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: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NC
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:
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. 

XXXX XXXX  account XXXX XXXX  Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
I have been dealing with ID theft for some time now! It has become extremely difficult to work with the credit bureaus when disputing things. The account that I am about to list is another one that has pop on my credit file that does not belong to me. 

Please see account reporting on my Experian file XXXX XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$9100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
During the period of XXXX and late XXXX  I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan management has illegally charged my Escrow account {$1600.00} in premium for a eight months insurance coverage and has denied to refund that amount. My condo has been insured always from the XXXX XXXX XXXX, they added coverage overlapping insurance coverage already in place and continues to answer that they can do it at will from the mortgage contract. The mortgage contract is clear that they shall not change insurance waivers unresonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I set up automatic notifications when my credit card is due and I am not receiving them. Im getting a fee every month and Bank of America will not reverse fee. 
I called them several time but they are not helping 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 explanation
Consumer complaint received 2022-09-14
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX of 2022 I was contacted by XXXX XXXX from # XXXX and he stated he worked for XXXX XXXX XXXX and was calling me to settle my XXXXt loans at {$0.00} for only XXXX total processing fee. He set me up on a payment plan of XXXX starting XX/XX/2022. He said he had access to my XXXX  loan account to start the process of handling my debt relief so I taught hey maybe he is legit. So he took XXXX from me until in XXXX I noticed something fishy and immediately reported my credit card as fraudulent activity. When I tried contacting XXXX at that phone number it will send me straight to voicemail and that's when I felt that I had completely gotten scammed. What I don't understand is how did he get access to my XXXX  loan information. His email was XXXX with an IP XXXX. The action I took was to report the problem to my XXXX loan servicer as a scam. Please put my story out there so nobody else has to go through this. Thanks for listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deal with Chime banking and my account been suspended for over a month everything they asked for to reopen or lift a suspension Ive provided plus more and nothing is being done. I have called day and day out and still nothing from Chime support about to be evicted And bills are overdue because of me not getting my money. Ive been dealing with Chime for over three years and never had a problem and now theyre treating me like this. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: National Credit Systems,Inc.
State: MI
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:
National credit system was sent the attached a letter. They have not followed it and neither have any of the credit companies specifically XXXX. I need validation and until it has been validated and I am provided documentation they must remove it from all of my credit reports. Everything must be done by mail. They have failed to do so. I have documented proof with return receipts that were signed for documents that were sent certified mail with tracking numbers. They received the items the certified documentation came back to me from the XXXX and they still have not updated my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: NC
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 a accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXXXXXX 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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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