BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-29
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apparently for some reason, NCC Business Services Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX, 2017 on my XXXX, XXXX and XXXX credit reports to no avail. NCC Business Services Inc. continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, XXXX XXXX, XXXX AM Jur XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that NCC Business Services Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. NCC Business Services Inc. is blatantly disregarding the 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 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect

Company public response: Company 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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2020-03-10
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
My wife was inquiring about refinance rates to chase bank for our mortgage and they ran my credit without my permission. I've been trying to get the hard inquiry off my credit report since XX/XX/XXXX of 2019 and chase have never resolved the issue, I have sent in a copy of my credit report with the hard inquiry and they said it was nonething that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to XXXX district court in XXXX MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him. Please advise as they continue to harrass me. I have not spoken with anyone about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX inquiries were made to my Transunion credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Transunion a letter confirming that they were made in error. This was over a month ago. 

To this date, Transunion has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

These need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Transunion so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.

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 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
CapitalOne 's current policy is to consider a payment late and to charge a late fee if a payment is not received by XXXX eastern standard time. Several times I have gone to make a payment a few minutes after XXXX local time ( Pacific standard time ) only to see that a late fee has already been applied to my account and the Capital one will not post my payment until the following day. Even though I am making my payment on my due date I still occur a late fee. By not accepting payments after XXXX local time it creates a hardship for those of use who have to make a payment after work or need to run to the ban before making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion shows a collection from XXXX, which is an account opened through identity theft. I disputed this, and the response was : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. How is that an investigation? Also, the address of the person who fraudulently opened this account is listed on my credit report. I can prove beyond any doubt that I NEVER lived at that address.

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 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to go to XXXX, under their contact information it states to dispute a charge to visit dispute.transunion.com, this website requires a credit card and payment before any disputes can be made. Also, while trying to apply for XXXX and XXXX, i was told my account was locked and to contact them. I had my previous credit report in front of me, so I am not sure how I answered the verification questions incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
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:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Patient Accounting Service Center
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello! 

XXXX XXXX has been trying to collect a debt from me fraudulently for almost 18 months now. 

XXXX XXXX XXXX  In 2020 I was issued a XXXX machine for medical treatment on an insurance payment plan that required compliance with the treatment in order for insurance to continue to pay. I agreed to this plan. I remained compliant for the ENTIRE payment period and treatment plan however they claim I have not remained compliant because their system has no records for my XXXX  machine ( which I believe wirelessly uploads data cellularly ). As a result they have been trying to charge me {$210.00} since XX/XX/2020. 

The specific amounts owed are : {$100.00} for non-compliance in XXXX of 2020 {$100.00} for non-compliance in XXXX of 2020 I have attached proof of my compliance AND my communications with the previous debt collector. 

I have called XXXX a half dozen times about these invalid charges, and 2 different times faxed them proof of my treatment compliance from my local XXXX store. They continue to claim they've never received proof of compliance and thus continue to attempt to collect. 

Eventually I was sent to collections and I sent them also proof of my compliance ( also attached ). This debt collector stopped contacted me and I assumed it was fixed. Today I received a new debt collection request from a new debt collector, so the issue isn't stopping. The new debt collector is ARStrat ( XXXX ). 

I would like your help stopping their fraudulent claims please! I do not owe them any money and would appreciate your help proving this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new citi priority account in XXXX. Citibank offered a promotion of {$700.00} if the new account held funds over {$50000.00} for 60 days. I deposited the required money. I asked a citibank agent on their chat service whether the funds would qualify for the promotion in a citi accelerate savings account, as opposed to their standard savings account. The agent confirmed this. I have a documented record of this conversation. When the promotional deposit did not arrive as expected, I checked with two other citibank agents about the delay on two separate occasions. Both of these agents confirmed that I was eligible and that I should have received the bonus already. I have a documented record of these conversations as well. The second agent submitted a dispute in order to correct the mistake. After a week or so, I received an electronic letter from citibank stating that I was not in fact eligible for the promotion, due to the deposit moving from one savings account to another. I then called citibank 's customer service line in order to straighten out the problem. I explained to the agent on the phone that I had checked in advance and that I should have received the bonus. They also submitted a dispute explaining the chat history. I received the exact same denial letter a week later.

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 2019-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Southwest Rapid Rewards card with Chase Bank that Ive been paying on monthly on time and I noticed my minimal payment jumped up {$10.00}. I spoke to 2 customer service reps and 1 Lead. The lead told me that I couldnt get my minimal payment down because they have every right to increase my bill at any time. I told her the federal reserve decreased our interest rates, so I didnt understand why my minimal payment would jump up if I havent made purchases. She told me Im paying an APR rate at 26 %, and Ive always paid an APR rate. I asked her what my interest rate was, she said my apr rate is my interest rate. I stated an APR and Interest are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: ERC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: LA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Correspondence was sent to  NCC  on  XX/XX/2016    inquiring about a {$10000.00} debt reported to   XXXX  ,  XXXX   &   XXXX . I requested information regarding the company to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NCC has never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for NCC to continue reporting this 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 2022-03-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2015-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year XX/XX/XXXX and XX/XX/XXXX. Our property insurance is included with our mortgage payment and has never been late, Instead of paying XXXX XXXX charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee XXXX and spoke with XXXX XXXX and XXXX and requested a escrow statement and was advised that because I have a chapter XXXX bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is not part of bankruptcy and the mortgage payment has been paid on time for the last XXXX years. I also do not have access to my account online to be able to keep track of my payments. Customer service and the insurance department refused to give me any information regarding my account and I am concerned that my hazard insurance will not get paid.

Company response to consumer: Closed with explanation