BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Smith and Debnam for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. 

I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. 

I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. 

Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. 

I appreciate your attention to this matter and look forward to your response. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: ProCollect, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 complaints with ProCollect : 1 ) Trying to collect a debt that has already been paid. 
I moved out of XXXX XXXX XXXX, XXXX XXXX in XXXX of 2021 due to complications with COVID 19 and ultimately, unemployment. I transferred to another apartment within the same apartment complex. At the time, I had a grant from XXXX XXXX, VA that paid for most of the costs and had extra monies in my " apartment account. '' I have a statement from XXXX at XXXX, the apartment complex, from XX/XX/2021 stating all monies had been paid on the Apartment. I never received notice of the {$950.00} damage bill being collected until after I called ProCollect and disputed a {$950.00} damage bill associated with damages to XXXX XXXX XXXX, XXXX XXXX and referring to a signed document that was an addendum to the XXXX XXXX lease. When I disputed this bill and stated it was false due to the address listed on the paperwork they were claiming, ProCollect brought placed it on my credit report and associated it with XXXX XXXX and with a new date. Again this debt had already been paid 2 ) Prior to the debts being reported to the credit bureaus, I tried to contact ProCollect multiple times. I was told after my first round of disputes I could not speak to anyone besides a XXXX XXXX within the company. This elusive XXXX XXXX can not be contacted by phone. I emailed him 3 times prior to the bills being reported to the credit bureaus. I have disputed the bills with the credit bureaus and each time have been told that I am at fault even though I send in the documents I have. I have contacted him 2 times in the past two weeks, stating I just want to pay the bills, even though they are not mine, just to be done with it. Again, no response. I am at a loss. Please help.

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 2023-05-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Account for XXXX XXXX XXXX ending in XXXX. Citi Government Travel Card Program. 
Citi Reference Number : XXXX I have going round and round with Citi for months regarding this dispute to no avail. Once my travel voucher paid the balance on the card the balance was XXXX until late fall of 2022 when the disputed charge showed up- I have not used the card since a business trip I took in XXXX of 2022. 

That's how long Citi has been pursuing this erroneous charge : nearly 7 months. I do not recognize it and disputed it as fraudulent immediately. I have asked for documentation substantiating the charges via mail or fax because the attached documents are getting stripped when they try to send to my work email. I have yet to receive the documents for review after Citi promised they would mail the documents weeks ago. 

This is a {$70.00} charge I did not authorize. Period.

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 monetary relief
Consumer complaint received 2023-05-10
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Description of Complaint : Chime suspended my account for XXXX  that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included an alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended Chime suspended my account for that occurred on their behalf upon setting of this account back in XXXX or XXXX I use an option that they provided on their website called sign in with XXXX. My XXXX XXXX name included a alias XXXX XXXX my legal name is XXXX XXXX on Monday. They suspended my account and required me to provide proof of address and my. And my current an expired drivers license. I am mediately provided documentation within 30 minutes via email. Additionally, the following day they indicated that I had to request a formal legal name change. Additionally, I responded immediately within 30 minutes and I immediately provided them with the documents that they asked for which was proof of address my current, an expired license, front and last date I initially also went to the motor vehicle commission to receive a updated copy of my license with my current address as listed on the chime account it has been over 96 hours. My account is still under suspension. The suspension has not been lifted. I have escalated multiple times to a supervisor with the last escalation being today I was informed I would be he was in review. This is the differently, causing an issue in my life. My hardship I have had bills which I have not have been able to be paid because this is my primary financial institution this is inhumane, as well as Discriminative of people at chime, who have falsely suspended my account, as well as not provided the proper level of empathy or customer service to resolve the issue. I am greatly depressed by this. I have been able not able to work because I have not been able to use the funds in my account to get to work or pay my bills my children have been Desired Settlement : Contact by the business ; Finish the job ; Remove suspension on account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX  XXXX. These need removed. I disputed them and then XXXX and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX  XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy

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 2022-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB : I assisted my client in obtaining the attached modification. He does not speak XXXX. He signed the modification and it was received by the lender. He made payments on time pursuant to the agreement. The lender allegedly decided they needed to send a notary to his home to obtain a notarize copy. I am licensed notary. They allege they contacted the client by cell phone and left XXXX messages. My client always asked for XXXX representative when calling on his loan. They never called or emailed my office. They also never sent me a letter regarding the need for a notary. The package I received did not contain a notary. They are now trying to withdraw the modiication offer although the client is ontime with payments and has not defaulted. 

The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex ( including gender, gender identity, sexual orientation, and sexual harassment ), familial status, national origin or disability at any stage of the mortgage process, including : Approvals and denials. 

The lenders actions in this situation are in violation of the Fair Housing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive noticed some unauthorized inquiries and 1 unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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: Information belongs to someone else

Complaint:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back when XXXX first hit in 2020 I had missed a payment of {$350.00} in XXXX. The company I worked for had cut everyones hours in half and I struggled to pay my bills on time. I have since payed off entire loan and otherwise have great payment history. I reached out to BERKSHIRE Bank to request missed payment forgiveness and even provided proof of my hours being cut. They said they do not have to forgive missed payment. Now its a few years later but its still on my credit and I have learned they the federal government had left it up to lenders to do the right thing. Unfortunately birkshire bank did not.

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 2023-05-10
Company: Ocwen Financial Corporation
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX XXXX and XXXX violated FDCPA rules 1692g and 1692e. They are attempting to enforce a debt that expired years ago by consenting to resume enforcement on a fraudulent claim. They provided false information as to whom they are representing. The Foreclosure Abuse Prevention Act signed XX/XX/XXXX was made effective immediately in all pending actions where Judgment of Foreclosure and Sale has not been enforced. Pursuant to the new amendment in law CPLR 205-a this creditor can not lawfully proceed with collection on this debt but chooses to do so anyway. Additionally his client is an assignee and this creditor failed to comply with the Certificate of Merit to confirm this debt is valid. This action started in XXXX and dismissed in XXXX pursuant to CPLR 3216 - Failure to Prosecute. They refused to comply with the XXXX of XXXX. I can no longer trust the courts. They allowed a Shadow Docket Case by the XXXX firm to be restored and when I tried to appeal the paperwork went missing on that entire motion. Please read the rest of my statement as attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Below is the issue : To : LoanCare Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Error Resolution Notice under 12 C.F.R 1024.35 To Whom It May Concern : We received your reply, along with the payment history payment, however, it still does not address or rectify the issue. As you noted the initial payment after we fulfilled the terms of the Modification Agreement was {$500.00} short. However, the month before on XX/XX/2019, there is a {$500.00} credit that was applied thus lowering the payment the following month of XX/XX/2019 to {$2300.00}. We were never given an explanation as to what and why this {$500.00} credit was applied. It would seem to us that for whatever reason this credit was applied and then not considered when we made the payment the following month. 
Either way the error is/was not on our part and this needs to be corrected and updated immediately to reflect our true and accurate payment history. 

They refuse to acknowledge their mistake nor explain where and what this {$500.00} credit is. When I asked for all mortgage statements for 2019 Loancare conveniently omitted the XXXX statement that could have shed some light on this. 
As a result they keep saying we are 30 days late.

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 2023-05-10
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this is violation of code 15 u.s. code 1681i removal of inaccurate/invalidated credit information please remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: VA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Albert Corporation
State: WA
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:
This complaint is about the banking app, Albert. XXXX XXXX  is, who runs the specific banking app, and like many others, it advertises the ability to take out instant pay advance as part of the many program incentives that it offers for customers to pick it over many others that are just like it like XXXX, XXXX, XXXX, etc. The specific app, though has me complaining because it offered me a {$40.00} advance based off of its systems income detecting algorithms on XX/XX/2023 which I promptly paid back on XX/XX/XXXX, which was early ( another factor that would allow you to get an higher advance according to their marketing ) but instead because I didnt take the instant {$40.00} offer that was available right after I re-paid the original loan, I logged back into the app later that night, and found that I was no longer eligible for any instant advance. One of the other requirements to get these advances is to pay a fee monthly of {$10.00} to what they called XXXX  genius which is supposed to be real people who help you manage your money, but when I look into that I find out that in order to get any time with a real person you will have to pay a fee anywhere from $ XXXX {$60.00} depending on whether you want an hour or half hour of the time. So there again is another hidden charge that they do not tell you ahead of time but instead after you sign up. Back to what Im originally complaining about. I was eligible for {$40.00} based off of the same income that they tell me now I am no longer eligible with us because they know decided they do not detect the income need to take it before I guess? I have attached the income details reported on the app, which I have not changed since they decided I was eligible the first time, and then decided I wasnt the second time. Ive also attached the conversation I had with their customer service or genius people in which they tell me basically that I am XXXX. The CFPB should look into these apps and really take a deep dive into what they say they offer on the XXXX XXXX compared to what they really end up offering when you sign up with them, theyre all the same when they are eligible the next day or not, they get to decide and they have nobody holding them accountable so they get to do whatever the XXXX they want and I am tired of it. They pray on people like me who have trouble getting a real bank account because of whatever reasons and because of that they take advantage and make sure that they get all the money they want before they follow through with any of their promises, which some and most dont ever do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation