BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: LOAN TO LEARN
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When selling a home in 2014 I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/2014 ). The law office and Educap did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : XXXX, XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: CRESCO CAPITAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I purchased a Tractor in     XXXX   2016     and have been making monthly payments of {$1300.00} every since. I had an ez-pass that I did not know was n't working. As a result I incurred a lot of toll fees that were sent directly to my lender, Cresco. The lender, Cresco then sent those fees to me with an extra {$30.00} attached. Cresco said the {$30.00} fee was their fee for paying my tolls.   On top of all that, just this month, I received more tolls ( {$900.00} plus ) which I paid directly thru ez-pass. Now  Cresco  is asking me to pay again. They said I have to pay them because they have to dispute my payments with ez-pass I explained to  Cresco  that these bills have already been paid and they are still asking for more money and will take this money directly out of my account. They could also repo my tractor if I do not pay, so I have paid everything and am looking to be refunded.

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 2022-02-14
Company: CBC Companies, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called Innovis, They refuse to mail a report to me because of my current mailing address in XXXX. Also told me they can NOT generate a security freeze. - Again because of my mailing address. Even their web site is off-limits to me because of my IP number. 
Using a dead address in the USA leaves me open to ID Fraud with little recourse or knowledge. Failed to accept any Korean proof of address including Social Security 1099. 


I have a suspected compromised Debit Card and need all XXXX agencies to freeze my account. With at least XXXX other companies releasing unauthorized data about me, I need to freeze my account. I have the other XXXX credit bureaus agreeing to this, but NOT Innovis. 

Please stop this form of discrimination against XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase gave temporary credit to a filed complaint and then reversed the transaction- for merchandise sent back to business but never credited. Chase original claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A debt collector by the name of XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of LVNV Funding LLC. The original creditor is listed as XXXX XXXX. XXXX uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, LVNV Funding LLC can not sue you for it. '' They also stated : " Because of the age of your debt, XXXX will not sue you for it. '' These two quoted statements show that XXXX and LVNV Funding both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : 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 

At a minimum I want both XXXX and LVNV Funding to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, 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 2021-05-11
Company: EOS Holdings, Inc.
State: NJ
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:
EOS CCA is reporting wrong information on my credit report This company is Re-aging my account Version # XXXX which is reporting date XXXX which is wrong well as payment History, they reporting {$1100.00} which is wrong my account is {$890.00} my Delinquent was XX/XX/XXXX as you will see in my copy of the Document which XXXX sent me they are reporting wrong information I sent them letters after letters even called them about this wrong information they reporting on me they told me Its accurate as you see its not here is my Original bill Account Summary

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I filed a complaint with you on X/XX/2017 complaint # XXXX. We are not sure if we are not speaking clearing or no one is listening. Our issue is that over the last 2 1/2 years we have filled out the same extensive loan modification forms. For one reason or another we have been told that form was missing something or the period was in the wrong place. For whatever unbelievable reason we have to fill out the same forms 12 times. We will not do it anymore. We sent our complaint only to have Bank of America send another site of forms with the same exact information. This matter is not closed. Bank of America has DONE NOTHIING!!!!!!!!!!!!!!!!!!!!

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 2023-04-03
Company: EQUIFAX, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my information and had a credit card from capital one. I just opened a XXXX XXXX account. I saw there's an open account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Barclay Bank Card Company bill ed for a charge on a  XXXX   XXXX   XXXX  card I never received and never activated. After many complaints the company terminated the card and the charge. It did not remove the entries from my credit record despite my requests to do so. BUT, I applied for another different card at  XXXX   XXXX , and it turns out this same compan y ( Barclay ) services that card also, so my application was denied for the reason that Barclay has flagged my account as delinquent or something else stating I did not pay a balance ( it must mean the service charge on the old   XXXX   XXXX   XXXX  , which Barclay waived because I never received or ever activated that card ). I have an excellent credit score in the  high  XXXX  's and good credit. This is unfair and will limit my obtaining future cards from a lot of places serviced by  Barclay  Bank.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
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 belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I lease a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. I asked Bank of America for a car loan on XX/XX/XXXX which was approved by them. Last month on XX/XX/XXXX I went to the DMV to put the XXXX under my name when they gave me the news that in order to put the XXXX under my name I have to pay the use tax fee of {$3600.00}. I went to the bank and asked why the use tax fee were not pay or why they were not part of the loan. XXXX ( person who helped me approved the loan ) told me to call XXXX XXXX and asked them about the title. I called them & they told me in XXXX that Bank of America was now responsible about the title and the fees. I went again & told XXXX what XXXX XXXX XXXX XXXX told me. As I was handed the forms by XXXX to sign about the loan, I signed a form NOTICE TO PROVIDE FIRST SECURITY INTEREST without being notify by XXXX that I was going to be " responsible to pay all taxes assessed on the vehicle. '' In order to put the XXXX under my name & for me to pay the use taxes, he told me & offer me to Increase my credit on a credit card that I have from Bank of America in order to pay the taxes without paying interest until next year.

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 2022-09-07
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear XXXX XXXX : I have called and left a message at the number listed in In response to # XXXX. I have. not been able to reach you by phone or email to further address this concern. It is not resolved. 

All credit reporting is voluntary and historically has been according to the CFPB and 15 U.S. Code 1681. Consumer reporting agencies assumed this role, no one from government appointed them to do this. An elaborate mechanism was developed. You have no authority to say that this voluntary reporting of my nonpublic personal financial information can not be opted out of being shared. 

You mentioned that you will be sending copies of statements. Please do not send any deceptive forms as that may be considered mail fraud. 

I ask that you send validation of debt according to 15 USC 1692g. As a consumer, I am aware that this is an alleged obligation that has yet to be validated pursuant to federal law.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-15
Company: Collins & Hilton Asset Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is unknown to me. Amount of $ {$10000.00}. opened XX/XX/XXXX, XXXX collection agency has refused to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: PA
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 happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my XXXX or equifax reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-24
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I was approved for an XXXX XXXX co-branded credit card from Barclays. I pay an annual fee of {$490.00}. To this day, I have still not received most of the promised benefits that includes : - Gold status with XXXX- An email that allows me to receive up to {$500.00} off of up to 4 tickets - XXXX Bonus Miles ( after spending $ XXXX, which I did in first month ) The miles DO show up in my credit card account and the membership is showing as linked on the credit card website, but none of the benefits are showing on XXXX. I have contacted the Barclay team through their messaging site 4 times ( on XX/XX/XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX ) and have called and spent many hours trying to have this resolved and they continue to promise this will be resolved, but it is not. 

Often I am pointed to speak to XXXX, which I do, and they direct me back to the bank.

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 2022-09-07
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX M & T bank called me and stated my account was hacked for {$2000.00}. I took the rest of my money out and M & T staff told me to file a police report. I did file the report and never heard back from the bank or the police.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-10-07
Company: EQUIFAX, INC.
State: WI
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:
My XXXX  is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my XXXX still remains reflective of bad history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: KY
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:
This is a written request that you investigate specific items that I believe to be reported in error. Its identity theft. These accounts are not mine they are fakes. This terrible situation is causing me financial and emotional distress because of their unknown nature. The following items must be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NY
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:
There are items on my credit report that are violations of the FCRA. I request for these items to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation