BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried several times to place a security freeze on my credit reporting from Experian Information Solutions, Inc. I have tried to use their website to add a freeze and called their 800 number. Neither work. It seems that they are trying to force consumers to purchase services in order to freeze their credit, by putting a web user into a look where they must click deeper and deeper into their site only to be routed again and again back to their starting screen and to locations where consumers can purchase their services. 

By the way, the other two agencies ( XXXX and XXXX ) both have very easy tools on their websites that allow consumers to place a freeze on their credit reporting!

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 2019-06-20
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank in XXXX. In XX/XX/XXXX they advised they would no longer be sending statements. They would communicate by email. My first problem is that they have never communicated since. It is almost 12 months and not a single statement or communication. No more emails and nothing in the trash either. My second and more concerning issue is that I can not access my account in any way and the company refuses any telephone or written support. I mislaid my ATM card. Because of this I am unable to even talk to their customer service people. I had an old dormant access card and was able to use this to get through the automated system and at least talk to them - but was told without my ATM card ( 1 ) they would not help ; ( b ) I can not apply for another card ; ( c ) they would NOT help me get access, and ( d ) without it the funds will NEVER EVER be released. If I don't find the card, the bank will keep my funds forever. Really? Are American banks so dishonest - lose a card and lose your funds??? There is no email facility at my bank. I can not log online as I do not have said ATM card. I have now faxed a letter to them twice ( a month ago in XXXX ) - and still no answer. I need help to get this bank to actually *communicate*. As it stands they have refused any help verbally and have said that they will not help in future either. I am also concerned as the account may become dormant. 
This bank is intransigent, difficult, obstructive and has indicated they have no intention of helping.

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 2023-08-10
Company: Regional Management Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please report your method of validation on how you are reporting a collection with a past due amount as accurate. 
The account was charged off and is still reporting a balance. Ive yet to receive a 1099-C for the supposed charge off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

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

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.

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 2020-02-19
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: 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 {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

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

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.

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 2017-11-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, My Bankruptcy included my home in XXXX WI that is now serviced by XXXX. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on XXXXXXXX XXXX part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with XXXX over two hours and they did not take my call.

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 2020-02-19
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 {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

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

4. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
years ago i took out a va loan with XXXX XXXX. and they never closed it out. it has been killing my credit for years. i know it is on experian but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi there. I carefully read your previous response and was really hoping that it will answer my concerns since you sounded very helpful over the phone. At some point I felt that it did, after you mentioned that the term of my loan was extended by 18 months to compensate for the 18 months that I was in deferment. But upon counting the loan extension months from XX/XX/2046 to XX/XX/2048 I realized that my loan terms have actually been extended by 21 months ( not 18 months as you claimed ). Not sure how a bank can make such an obvious arithmetic mistake but nevertheless it clearly shows that the explanation you gave me was not factual and therefore was incorrect. So again my concerns were not addressed at all, and I have been given wrong information in an attempt to explain away my concerns. 

If the deferment is truly a deferment of payments for a period of time, it should only extend the terms of the loan by exactly the same number of months that the deferment was in effect. In my case this was for 18 months, and that would give us a maturity date of XX/XX/2047. 

Please look at this issue again with more attention to detail, and give me an answer that is factual and logical. You guys have made a major arithmetic mistake to make your case and it obviously proves my side of the dispute. 

Also, please look at the attached documents ; I have annotated them in order to help you see clearly what the issue was with your last response.

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 2020-02-08
Company: JPMORGAN CHASE & CO.
State: AK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have a checking account with JP Morgan Chase Bank. I had a safe deposit box at the Chase bank at XXXX XXXX XXXX, XXXX  XXXX, XXXX. I went in person to the branch and closed the box on XXXX. I was missing one of the keys, and was told the box would have to be re keyed if I could not find the key. 
When I returned home to XXXX, I found the missing key. I had not been billed for the locksmith  yet. I called the Service Center at XXXX to get a number for the XXXX XXXX branch. I called that number, XXXX, and asked if I could still send in the key and was given the address to send it to. I confirmed at this time that the box was closed. I mailed the key via certified mail for which I have a receipt dated XXXX. 
When I opened my statements after being away for part of the winter, I saw that I had been charged for another year 's rental fee for the box ( XXXX ) as well as a {$12.00} service fee for being below the minimum balance for a free account. I called the branch to have that corrected but a recording said that all representatives were busy, and to call back. I called back several times that day and the next, hearing only the same message each time. 
I called back the following week several times. I called at various times and days of the week thinking that surely someone would respond. Over the next several months I tried the number multiple times. I called the XXXX again and was told that for safe deposit box issues I would have to contact the branch, or go in person. Even the service center representative called the branch for me and could not get a person to answer. I live in XXXX  and can not go in person. I have continued to call at random intervals over the last year, and have never reached anyone, only the same recording. 
I have been unable to correct the original error, the improper charge for the box rent of {$95.00} and the resulting service fee of {$12.00} per month. I want to close the account completely, but fear that I will never get back the money that has been improperly debited from my account. The fees are still being debited, going on for 13 months now. So far Chase owes me {$250.00}. 
Today, XXXX I again spoke to the service center at the 800 number. I asked for a supervisor, who called the branch and got the same recording. She gave me two other  numbers. I asked her to call them for me and she hung up on me. I do not know how to resolve this please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: NBT BANCORP INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
NBT Bank paid an ACH payment that came thru my account. I believe it was for a partial amt. At the time I was in the XXXX XXXX jail for a violation of my supervised release. The judge sent me back for 9 months. At which time I didn't realize I was over drafted. It wasn't until some time after I came home that I realized of the debt. I had contacted NBT Corporate because the branch was no longer open. I tried to make an offer to settle the bill, I didn't agree with why they charged me that amt. before closing my account. I had contacted the CFPB for guidance on the matter and asked what i could do I was told that I should offer a fair settlement and they don't except it then that's on them and it should be removed. So I offered the 50 % they didn't take it. I disputed it. The collection account was removed. After receiving the removal verification I still called NBT bank back to offer the 50 %. They refused. What I cant understand is why in a dispute it was removed. And it ended right back on my credit report. I would like to have the item removed please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical Validation Letter with request for HIPAA authorization Phoenix Financial Serv Acct # XXXX To Whom It May Concern : On XX/XX/XXXX i recieved notification from credit bureau stating a collection on report that I was not a ware of. I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX  XXXX, but I have not received any letters for alleged debt. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to for anyone to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back by mail. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Navient Solutions, LLC.
State: KY
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:
For the past weeks, I have been receiving telephone calls from Navient representatives. I have asked not to be recorded. Navient representatives continue attempts to record me without my permission to do so. Each time I receive a telephone call, Navient representatives ignores my request of not wanting to be recorded. For example, Navient representative telephoned me again this morning ( XX/XX/2019 ) at approximately XXXX XXXX, Eastern Standard Time stating that it is their standard policy to record their telephones. I have asked Navient representatives to contact me only in writing. I ask that Navient representatives to stop calling me. I am being harassed and will not permit it to continue, I will take legal action. I have already responded to their correspondences and made loan payments as scheduled.

Company response to consumer: Closed with explanation