BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
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 {$2800.00}, {$3200.00}, {$4300.00}, {$6200.00}, {$1800.00}.

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 ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -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 2022-03-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-08-27
Company: Rapid Auto Loans LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is a debt I have that I asked the debt owner rapid loans to stop calling me and my relatives a A cease and desist. They are continuing to phone everyday and text me as well as email me. Now the other day XXXX recalled me from rapid loans then emailed me afte tried explaining to him that I sent A cease and desist written as well as text as well as email. He explained to I broke the law that committed felony and that he was going to report me to the cops since I didn't work out a Payment option. I explained to over and over and says he keep writings me and give this information over to the police. He called me a fraud person. He told I intended to do this on purpose. My add on XXXX says has lean on it why they only gave me XXXX for the csr it alot body damage to it. Now man from rapid loans call me criminal and Threaten me to Have all the emails still from him as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I WAS APPROVE FOR XXXX LOAN FOR XXXX XXXX XXXX XXXX XXXX WHERE I HAD TO SIGN XXXX TO PROVE MY INCOME WHERE I WAS APROVE FOR XXXX. I HAVE A BUSINESS AND BILL NEED TO BE PAID SO I WAS PAYING MY BILLS AND MY ACCOUNT WAS FROZE. I CALL FIFTH THIRD BANK WHO I BANK AND ASK WHAT GOING ON I WAS TOLD TO BRING TAX DOCUMENT TO PROVE XXXX XXXX XXXX SO I DID ONCE I TALK TO XXXX XXXX I WAS TOLD I NEED TO FILL OUT ANOTHER XXXX WITH FIFTH THIRD BANK TO PROVE MY TAXES AND THEY ALSO ASK TO PULL MY MY REGULAR XXXX TAXES. I NEVER HEARD OF THIS CAN THEY DO THIS BUT I ALSO TALK TO XXXX XXXX WHERE HE SO UNPROFESSIONAL AND ASKING ME ALL MY PERSONAL BUSINESS ABOUT MY OTHER BUSSINESS WHERE HE HAD TO LOOK IN MY PUBLIC RECORDS. XXXX XXXX WAS VERY RUDE AND XXXX AND I EVEN HAVE HIS CELL PHONE NUMBER THIS IS BUSINESS AND EVERYTHING SHOULD HAVE BEEN RECORDED. DO FIFTH THIRD BANK RED FLAG ALL XXXX LOAN AND FREEZE THERE ACOUNT THIS NOT FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I had an XXXX at XXXX XXXX Medical Center and my Medicare Plan was with XXXX XXXX XXXX XXXX of TX. I paid {$120.00} for the procedure. 

On XXXX XXXX, XXXX I had another XXXX XXXX at the same place in the same XXXX and was advised that I had a {$120.00} copay. Due to complications I was not admitted but put on observation status and released before 24 hours on XXXX XXXX, XXXX. 

I paid the {$120.00} that was authorized by XXXX XXXX XXXX XXXX. 

I got a bill from XXXX XXXX Medical Center in XX/XX/XXXX stating I owed {$220.00}. I had already paid {$120.00} and I questioned that bill. I even sent in paperwork requesting financial assistance as I did n't understand the bill. I was told by someone that " XXXX XXXX '' was billable. I could not pay the bill as I had paid {$120.00} prior to the procedure. 

I contacted XXXX XXXX XXXX XXXX who advised me that I was only responsible for the {$120.00}, not anymore. I called XXXX XXXX Medical Center and they claimed that was not true and by XXXX XXXX, they filled a collection on my credit report for {$220.00}. 

I disputed the XXXX bureaus and it was removed. 

Now, it 's XX/XX/XXXX and someone named XXXX ( Global Receivable Collections ) has filed on the all three bureaus dropping my score to XXXX. I just bought a house and had a XXXX at the time. 

I have once again called XXXX XXXX XXXX XXXX, I was given a case number and this company claims they do n't know where my debt came from but they have it and I owe it. I do n't owe them anything, I do n't owe XXXX XXXX XXXX XXXX anything and have no clue, other than from watching XXXX XXXX on " XXXX '' that someone used an excel spreadsheet and bought this debt that has been written off by XXXX XXXX XXXX XXXX and they are trying to collect. 

This is wrong, this should be illegal. I dont ' owe {$220.00} to anyone! XXXX XXXX says I do n't and I had a reference number and this company refuses to contact XXXX XXXX XXXX XXXX because they have no clue where the debt originated. They wo n't talk to me about it. 

I have NOT received mail from them. I have received phone calls that no one answers and they have called my work phone! What XXXX is wrong with America!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call this morning that I had a debt owed to Fifth Third Bank in the amount of {$940.00}. I closed my account in XXXX. Apparently my debit card was used for {$560.00} after the bank account was closed. I think someone committed fraud on my bank account as it was not me. Fast forward to today they called me at XXXX am and said I had till XXXX pm today to settle the debt or it would be escalated to the attorneys for civil litigation and restitution. I went to the bank and the manager said they had no record of me owing them anything. I called the collection company back and asked for proof and they would not provide any other than a letter stating I owed the debt. I was not provided any chance to dispute the debt. Also they stated the debt was turned over for collections in XXXX ( 6 years after I closed my account ) and was still within the statute of limitations as it was within 10 years of the write off. How can they come after me for supposed money I owe them 13 years after I closed my bank account? They stated if I wanted to dispute it I would need to hire an attorney and then I would be charged attorney fees on top of what I already owed them and they would be escalating it by the end if the day. The collection company was XXXX XXXX XXXX out of XXXX Delaware. I had never heard of the 13 year old debt before today and was given XXXX hours to decide if I wanted to pay it or would be taken to court. Is this fair? I feel like it is not. Please any help understanding this would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.

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 2022-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX  stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
the problem is navient says i 'm on a variable interest rate..i went back on my records when i was with   XXXX   XXXX   my private loan payments were always {$320.00} ...  XXXX   XXXX  i was switched over to  Navient  and payments stayed the same till  XXXX   XXXX  when they went to {$320.00}.  XXXX  of  XXXX  they went to  XXXX .  XXXX  of  XXXX  they went to  XXXX  and now its  XXXX   XXXX  and its up to  XXXX  ..it has gone up {$3.00} in 5 months this year alone.. I know for a fact i never singed on variable intrest rates and have called serval times requesting the paper work showing i signed off and agreed to variable   interest rates..I have never recived any proof of this and my rates keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have had a checking and savings account with Citibank for almost 20 years. Have had various bill paying, direct deposit etc set up over the course of that time. In XXXX, for no reason and with no large changes in activity to occur, Citibank blocked my account for no reason and with zero notice. Since XX/XX/XXXX I have called multiple times and gotten no reasoning for why it was closed and no resolution. Have just been told it is in the process of closing and I would receive my balance ( almost {$4000.00} ) via check within 60-90 days then they tell me they can not provide any more information and they hang up on me. Ive gone into branches and they tell me the same thing. Every time I call they say they will leave a note for the back office and I will get an update but I have never ONCE received any updates. I call back again and get the exact same line, and they say they do not see any comments on the account. It has now been over 60 days and my account is still not closed, still shows blocked and now they are telling me the 60 days is at the point of account closure. Yet everyone prior confirmed it was 60 days from the exact XX/XX/XXXX date. And there has still been zero movement on my account even being closed. I have seen multiple cases on the internet with this same scenario. I just want my check for the balance, and then to be done with Citibank.

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 2020-03-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient assured me, twice, no payment would be pulled for XXXX. Then they pulled a payment ( nothing was due ) and now I can't afford to eat. They kept blaming the government as a reason they could not refund me the payment in under a MONTH. The Navient Supervisor told me my only option was to have my bank lend me money, or starve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am having a problem with Transunion and XXXX  method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and XXXX says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and XXXX XX/XX/XXXX? 2. XXXX, date opened XX/XX/XXXX and XXXX  XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and XXXX XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX XXXX  XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX XXXX says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
XXXX. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than XXXX XXXX XXXX. 
2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TO WHOME THIS MAY CONCERN, AFTER SEVERAL ATTEMPTS TO RECTIFY THIS PROBLEM MY DISPUTE IS WITH ALL CREDIT REPORTING AGENCIES FOR LESS THEN SUFFICIENT EVIDENCE TO REPORT ANY OR ALL INFORMATION ON MY REPORT. 
NOTE : BECAUSE OF THE LEGAL ABILITY, DO TO CONTRACTS, A FURNISHER OF DEBT INFORMATION SHOULD HAVE ALL FACTS TO PROVE THEIR STANDING AS A HOLDER OF SAID DEBT. 
FAIR CREDIT ACT STATES : THE CONSUMERS ARE ENTITLED TO PROOF THAT THEY OWE MONEY. 
COLLECTORS MUST DOCUMENT A CLAIM WITH A COPY OF AN UNPAID BILL OR OTHER EVIDENCE OF A PAYMENT VIOLATION. 
( IN THIS CASE, THE HISTORY THAT ALL DEBTORS DOCUMENTS THAT PROVE THIER STANDING ) AFTER SEVERAL MONTHS OBSERVING THIS, MY SCORE HAS DIPPED OVER 250 POINTS IN THE LAST YEAR DISPITE MY EFFORTS TO DISPUTE THE VALIDITY OF MY REPORT. 
ON MY LAST DISPUTE THE RESPONSE FROM TRANSUNION STATED " THAT MY CREDIT HISTORY WAS UNAVAILABLE ". HOWEVER THIER REPORT REFLECTS THAT I HAVE DEBT, THIS IS NOT POSSIBLE. 
IF THERE IS A DEBT, THERE IS A HISTORY. 
SO TO BE FAIR MY REPORT HAS TO SHOW ALL THINGS TO NOT ONLY BE FAIR BUT REFLECT THE IMPORTANT DATA THAT RESULTED IN ANY DEBT OWED. 
IN EITHER CASE THAT MEANS THAT ALL CATEGORIES THAT AFFECTS MY SCORE SHOULD SHOW ON MY REPORT IN ORDER TO GIVE A COMPLETE ACCOUNT AS TO MY CREDIT WORTHINESS. 
ANY INFORMATION THAT IS NOT PROVIDED AS PROOF THEN SHOULD BE CALLED TO QUESTION AND IF NOT PROVEN SHOULD NOT BE PRESENTED. 
LEGALLY A CONTRACT BOUNDS MY WORD TO PAY A DEBT, THAT GIVES A DEBTOR THE ABILITY TO GET COMPENSATION THROUGH LEGAL MEANS, SO THAT GIVES ME THE RIGHT TO BE FURNISHED WITH ALL FACTS PERTAINING TO MY REPORT. 
THE REPORT SHOWN THEN IN THIS CASE CAN NOT BE MINE AND THEREFORE IS A FRAUDULENT ACCOUNT OF MY HISTORY AND SHOULD BE THOROUGHLY INVESTIGATED. 
NOTE : IF MY REPORT REFLECTS DEBT IT HAS TO HAVE A FULL HISTORY OF ACCOUNTS ( TRANSUNION RESPONSE TO MY LAST DISPUTE WAS, '' THERE WAS NOT ENOUGH INFORMATION AVAILABLE " ) HOWEVER MY REPORT HAS A SCORE AND DEBT, IS THAT POSSIBLE WHEN THE FACTORS THAT MAKES A SCORE ARE NOT PRESENT?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had the same credit card for over 10 years with no annual membership fee. Now the credit card company snuck in a {$39.00} annual Membership fee without my knowledge. The fee did not appear on my statement but was hidden. I contacted the company and they can not fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CURO Intermediate Holdings
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
the company ran my credit report multiple times, unauthorized, resulting in several credit inquiries on my credit report damaging my credit standing/score. i have contacted the company via certified letter requesting removal or proof in the very least. they replied without proof and with no resolution. I then called the company and got more of same and bounced around to several departments with no luck. i then contacted XXXX by phone ( tried an online dispute with them prior to this ) where the inquiries were generated and they informed me that they do not dispute inquiries.

Company response to consumer: Closed
Consumer complaint received 2020-04-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged for a subscription when I thought I was making a one time purchase of an item. Subsequently, I was charged 6 times each month on XX/XX/2019 and for each month thereafter. I was never notified of the charges and they kept accumulating until I just noticed today. I never authorized these charges. I used to service one timely, because it was inaudible.

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