BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This so called  firm Selip and Stylianou LLP, tog ether with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 y ears in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying  to collect a zombie debt.

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: 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: AL
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-03
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account. I have been a subscriber with XXXX XXXX XXXX for at least 20 years. Apparently, this was a fraudulent account applied for without my permission. This account has also been transferred to a 3rd party billing company which purchases these accounts for pennies on a dollar therefore I do NOT owe this company either way

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 2022-09-13
Company: EQUIFAX, INC.
State: GA
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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remo
ve because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 



Account : XXXX XXXX XXXX XXXX  Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX Inquiry Date : XXXX Account : XXXX XXXX - XXXX Inquiry Date : XXXX Account : XXXX XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXX Inquiry Date : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Account : XXXX  XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I write this letter in great despair and fear. My home was wrongfully foreclosed and sold in auction by Bank of America.   I have been working with  XXXX   (    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  Tel (   XXXX  )  XXXX  ) to have my home loan modified to a lower payment.   On  XXXX   XXXX   2017, I received a  call from someone claiming to the vice president of Bank of America. She notified me to let me know that my appeal had been rejected. However, I did want to accepted because based on what she told me herself, my request was not reviewed as requested. I did not take the news well at all.   However, at the end of the phone call I was told by her that I can apply again for a loan modification if my circumstances had changed.   Since my wife was now working full time I sent all the information they requested by  XXXX   XXXX  , 2017. I   contacted them on  XXXX   XXXX  and  XXXX   XXXX  , 2017 via ph one and email letting them I had sent all the documents they had requested and asked them to inform me ASAP if the needed anything else. No one replied nor returned my calls.   On  XXXX   XXXX  Bank of America contacted  XXXX  letting them know the sell date of  XXXX   XXXX  , 2017 w as cancelled and there was no pending sell date. In turn  XXXX  contacted with the same information. The sell date cancellation was also reflected on the website  XXXX .   To my surprised and HORROR, I was then contacted over the phone on  XXXX   XXXX     2017 inf orming me that my home had been sold in auction earlier that day.   I did everything Bank of America asked of me. I followed their guidelines and rules. In turn, they steal my home. They steal my dignity.   I am desperate, I am horrified. I need help.   PLEASE HELP ME.   I contacted  XXXX . They can no longer assist me because now my home belongs to a 3rd party.   I contacted Bank of America and all they did was direct me their lawyer  XXXX   XXXX   XXXX   (   XXXX   )   XXXX .   The new owner of my home is  XXXX    XXXX    XXXX ,  XXXX   Tel (   XXXX  )  XXXX  Please fight for me and my family.   Do n't allow Bank of America to lie and the steal my home Do n't allow Bank of America leave me and my family homeless.

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 2017-06-13
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:
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with  XXXX ,  XXXX , and Experian with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Secti  on 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

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 2022-09-13
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Advantage Financial Services/XXXX XXXX XXXX Orginal Amount of Debt : {$1300.00} Interest being charge : {$43.00} ( 12 % annual ) Received a phone call middle of XXXX to collect a payment that was charged in XXXX. I never received notification via phone or email that this debt was outstanding prior to this call. Confirmed with the representative that they had the incorrect address. A new statement was sent to correct address on XX/XX/XXXX. They are attempting to collect 12 % interest. I refuse to pay interest on a debt I was never notified on. On XXXX I called to pay original amount and close account. The account representative, XXXX, informed me that they attempted to call and that they left multiple voicemails, claiming they have been calling since XXXX. I never received a call from them until XXXX and when I asked for verificationproof of calls he stated that they are not required to do so and he told me to call back at a later date. 

I called the original provider, XXXX XXXX XXXX XXXX XXXX, they outsource the medical billing to another company called XXXX XXXX XXXX. Confirmed that they had the incorrect contact information. Attempted to pay them direclty for the orginal amount, but they claimed that they have no ability to help me now that Advantage Financial Services is involved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Checks that I did not authorize was deposited into my account I called citizens bank because I did not recognize the checks I asked them to stop it they told me they couldnt stop the checks yet because they have to wait for the checks to clear now they are trying to get me to pay the money because the check was deposited they telling me that I had to pay bounce checks back to them that I never even use in their people couldnt even take out my accountXXXX  my account is closed I cant open a bank account until the money gets paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, 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:
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with Equifax,  XXXX , and   XXXX   with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act S  ection 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
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Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a XXXX XXXX XXXX card with a {$22000.00} credit line. I have 50 years worth of credit and a profitable XXXX XXXX with a good credit score. I was granted the credit and after a couple of purchases my card was flagged as FRAUD. I have made several attempts to confirm my identity but Citi 's computer knows me better than I know myself I guess because I was advised that I was not me. I advised in a previous CFPB complaint that the due diligence on confirming my identity should have been done prior to approving me. In an effort to protect my identity, CITI has breached my privacy. I currently reside in XXXX XXXX. I have transitioned my home and business to the address that I used to apply for this card. As part of citi careless investigation, Citi sent a letter of potential fraud to my XXXX XXXX address. As part of this application, I did not disclose or agree to for mail to be sent to the XXXX XXXX address. If my credit file was reviewed, you would have noticed that the XXXX XXXX address is part of my file history for over 3 years. The letter that was mailed to that address was received by my ex wife who was not part of the credit application. Citi has violated my PRIVACY and should not use a COMPUTER to determine a persons identity. If they have a problem with identity theft, they need to have stricter purchasing policies. I was granted credit and then a fraud alert was added on my card for no reason. I have attached my DL to validate my identity. I will tell everyone I encounter that CITI is a fraud and they will violate your privacy

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 2019-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I presented a cashiers check for {$12000.00} drawn on BMO Harris. They said they do not cash cashiers checks for non-account holders for over {$10000.00}. This, of course, give me no option to cash the check. I tell them they hare forcing to open an account. They say they are not. But the only way for me to access my funds is to open an account. I protest and I am upset by this but I have no choice. 

This occurred today, XX/XX/2019 at about XXXX at BMO Harris branch at XXXX XXXX XXXX XXXX in XXXX. The banker, who clearly was ticked off, took two hours to open my account and while he had said the funds would be available in one day, he made me sign something saying the hold would be NINE days.

Thats nine days on a cashiers check drawn of a BMO Harris account being deposited in to another BMO account. This is outrageous. I need this nine day hold taken off immedaiately. Please help. Thank you, 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 2022-04-03
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital Systems LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {XXXX}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I just had a decrease alert from XXXX and my identity has been stolen since XXXX. And also my grandmothers and grandfathers. It is XXXX. And they are leaving me broke without a vehicle and XXXX embroyos missing and they have not help me at all. I have been thru XXXX and I am also working with the dea. Get my credit fixed. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX a XXXX and it is XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX and 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 2017-06-07
Company: Experian Information Solutions 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:
For years   XXXX    XXXX   XXXX  reported only to experian about  XXXX  debt I do not owe, according to experian they 've verified that I owe  XXXX   XXXX   XXXX  these  XXXX   XXXX , not sure how because  XXXX   XXXX   XXXX  was never able to validate with me. experian has refused to re-investigate and after many years will not re-investigate the information.

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 2021-11-18
Company: PNC Bank N.A.
State: NJ
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:
PNC Bank XXXX XXXX XXXX credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. PNC or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. 60 points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: DISCOVER BANK
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:
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with XXXX, XXXX, and XXXX with no avail. I 've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion did not investigate an account on my credit profile for Dpt of ED / XXXX, XXXX XXXX, and US Dept of Education/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 2022-09-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving collection notices for a credit card opened in my name, from someone in another state. I have spoken to collection co. Several times asking them to send me paperwork with my signature, anything to prove it is mine. I just received a bank statement copy which has no personal info.I was told by the collection, to file notice here. 
Cr.Card - XXXX XXXX XXXX  amt of {$880.00} act. Was opened in XXXX. Never received a statement from the bank at my address. The person who opened the act.is in XXXX, XXXX. I have never been there, lived there.I have been at the same add. Since XXXX. The same job for 21 yrs. Collection co.MCM.

Company response to consumer: Closed with non-monetary relief