BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX fraudulent accounts opened at some point then abandoned XX/XX/XXXX/XX/XX/XXXX by person committing identity theft. Accounts were not discovered until 2016 when looking at credit report. No collection attempts were ever made to me through mail or by phone. When contacted company I was forwarded to various collection companies who all said they did not hold the debt anymore. Company representatives were extremely hostile and demanded I pay, while refusing to furnish any information regarding the accounts. Filed identity theft complaint with company to discharge the debt and was denied. Filed complaint with various credit reporting agencies. Some agencies deleted the debt but then it would reappear under another collection company.

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 2021-08-30
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently seen a fraudulent credit inquiry from chase bank on my credit report, with no recollection of giving them authorization to access my credit. Please assist with removing this inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, my primary checking account was frozen because of suspected fraud. I tried reaching out the the company, who has an advertised and listed XXXX fraud department. I spent over XXXX hours waiting for someone to answer the call in the fraud department. I then called the account services department and asked to speak to a supervisor, and was then told that the fraud department does not have a supervisor. Due to this companies inability to manage a fraud department I am now stranded away from home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: MI
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency and original creditor to not report my account to the credit bureaus in the exchange for XXXX equal payments of {$110.00}. After the first payment and before the second payment the collection agency reported the account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The issue I am having is trying to get the SCRA ( Service Members Civil Release Act ) applied to my XXXX XXXX XXXX. My orders and all additional information to prove that I am in the military were accepted on XX/XX/2023. The letter that was sent back denying my eligibility states that the account was opened after the servicemembers entered active duty date. I contacted Comenity Capital Bank on XX/XX/2023, to talk about my situation with a customer service representative about my concerns. The policy that the representative and a manager told me was that the SCRA could only be applied to an account before the enlistment process into the military service had begun. I repeatedly told the representatives this was incorrect because I was fine opening other accounts. The SCRA is supposed to handle debt before enlisting, but it also covers service members during their enlistment when they apply for the SCRA on a credit card. This will be my second contract and fourth consecutive year of military service, and this is my first occurrence of this event. Still, I find it highly disrespectful to be denied, especially as a service member, and it makes me consider that I may not be the only one who has dealt with this similar issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2015-07-13
Company: Convergent Resources, Inc.
State: MA
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 was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BOK FINANCIAL CORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2014 our loan was sold to XXXX XXXX out of XXXX, OK. Shortly after purchasing the home, we put in over XXXX of updates and remodel costs. I wrote to the company and was told that I had to have the loan for TWO YEARS before the PMI could be removed. It has now been two years and I am trying to request an appraisal so that I can meet the loan to value amount of XXXX % that the company requires. I just got off the phone with their customer service, and they have told me that they can not tell me the price of the appraisal ( even though I have to use an appraiser in their system ). I have to submit a letter requesting an appraisal, and then be bound to pay for it, without knowing how much it will cost me. I was told a supervisor can call me within 48 hours. It appears to me that the company is making it very difficult to remove the PMI and not disclosing appraisal rates. In addition, this year they paid my home insurance LATE out of the escrow account which created problems with my insurance company. My request is that I be given a cost for the appraisal before I request one from the company. I do not believe that their practice of requiring a commitment without knowing the cost is ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX and got approved. At this same time I lost a family member to death so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from XXXX XXXX. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of 4 times The last time I resent it was XX/XX/XXXX and today I called and was told that a specialist would contact me in 7-10 days, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

XXXX  XXXX are crooks.

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 2015-07-09
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first noticed the transaction on my credit report roughly a year ago. I never applied for this credit, and don't believe this belongs to me. I was going to try and rectify the situation a year ago, but i had to leave the country rapidly.

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 2022-11-17
Company: EQUIFAX, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX I am writing in regards to some discrepancies I noticed on some of the accounts on my credit report from Equifax. I have asked Equifax to investigate these accounts and have not received any investigation results or changes. I have sent a letter XX/XX/2022 and another XX/XX/2022 and no response. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX - Originally XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  - Originally XXXX  XXXX  Account XXXX XXXX XXXX This inaccurate information on my credit report has been effecting me and would like it removed. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Google Compare Credit Cards Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
About XXXX  of XXXX and the begging of XXXX google has closed my account and will not let me pay my subscriptions I have for that card Ive been using I always have money on that card and suddenly it now says my card is unavailable and that the account was and is closed. It's not and I want the ability back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.

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 2015-10-02
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The have XXXX offices. I told the lady to contact me in a week and i would hopefully have a better idea or have something to put down. Then she tells me they put it down in the computer but still I keep getting phone calls two or three times a day. I talked to the guy in XXXX and told him last week I would hopefully have something by the first and again phone calls from both places everyday. Again I talk to the guy in Idaho falls he is rude. I do not work. He does n't want to make small payments with me and when I complained about them continuing to call me over and over he said well if you paid this we would stop calling you. This was this morning. I told him to stop calling and I would give them something as soon as I got some money. Right before I wrote this complaint against them they called me again. It 's bonneville collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The above is not really what I 'm reaching out to file a complaint. What happened was that I was sent to a debt collector by my wireless carrier ( XXXX XXXX XXXX ) by the name of Credence Resource Management, LLC. This collector offered me a settlement amount which I paid as of XX/XX/XXXX. I was told my payment settled the account in full and that the creditor ( XXXX XXXX XXXX ) would be notified in a few business days. I verified that and was not done so they sent a receipt to me letting me know they had reached out and notified XXXX XXXX XXXX. 

I received a letter this month from another debt collector by the name of XXXX XXXX saying I owe a remaining balance. So it appears that Credence Resource Management, LLC. did not settle my debt instead only paid a partial amount. I contacted Credence on XXXX XXXX, 2015 to see why they did not follow through on what I was told and had in writing on their receipt and assured in 3 business days it would be taken care of. I gave them 4 business days and they have not come through, yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Syncapay, Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I redeemed rewards issued by my employer with Prepaid Digital Solutions in the form of virtual prepaid XXXX cards. I received 3 cards worth XXXX dollars each on XX/XX/2021, and one card worth XXXX dollars on XX/XX/2021. They " expired '' a couple of months later in XXXX and XXXX respectively. 

I redeemed them from my employer when I did due to an internal redemption deadline, but there was no indication that the option that I chose had an expiration date. In the confirmation email that I received, instead of being bold and clear that these cards expire relatively soon, it is buried in tiny text all the way at the end of the email. So having no idea that they expire, and not having been reasonably informed, I let them sit until now, when I went to access them and discovered that they were expired. 

The company refuses to reinstate them due to " rules and regulations '' which is absurd. It is not their funds, why are they able to essentially confiscate them?? What " regulations '' are they referring to??? They intentionally do not inform the customer that these cards expire in a satisfactory manner in order to steal their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  has violated my consumer rights. XXXX XXXXXXXX XXXX XXXX has violated my consumer rights. XXXX XXXXXXXX XXXX has violated my consumer rights. XXXX XXXXXXXXXXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent. 
15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be METRO2 COMPLIANT and resolve their reporting Innaccuracies.Thank you

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 2015-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.

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 2015-07-11
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed