BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit card transactions in the amounts of {$100.00} and {$50.00} were timely disputed with the issuing banks. The merchant XXXX XXXX XXXXXXXX XXXX XXXX XXXX " XXXX '' ) did not respond to these disputes. As such, the banks credited back the respective amounts to my credit cards and closed the disputes. 

Several weeks after the disputes were closed by the banks in my favor, XXXX reported these amounts to Fair Collections and Outsourcing, Inc. ( " FCO '' ) as checks returned for insufficient funds and further added returned check charges of {$25.00} and {$35.00} respectively. ( See attached verification ) This is a FALSE REPRESENTATION because no checks were involved in any transaction. XXXX and FCO have attempted to portray that the closed credit card disputes were in fact returned checks. Neither XXXX nor FCO has provided me a copy of any returned check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joint checking account with Chase bank. I noticed there was a quick pay of {$590.00} that was deducted from my account that I did not recognize.. My son who is on the account did not recognize it either. We contacted chase and was told the account may have been compromised and to close it and change all passwords with new account. They said they would investigate and credit account. They did credit account but a few weeks later we noticed the account had been debited again for the same amount. Upon calling Chase we were told that they found no fraud and the money was sent to someone in the same geographical areaXXXX I demanded more information on this person I did not know and was given an email address and last 4 digits of an account number that neither my son or myself recognized. Now we are told that there is nothing further they can do. CASE CLOSED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: Resurgent Capital Services L.P.
State: TX
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:
Owed a credit card, they wrote it off. Another company apparently bought the debt. Ive never received anything from the other company. I just seen it on my credit report. They had someone drop off a package yesterday. Its a lawsuit for more than what I originally owed the actual credit card company. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Innovis
State: WI
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:
Without my authorization CBCInnovis made a hard inquiry that i believe is a violation. CBCInnovis is a company I do not recognize. I called the company and after a run around, XXXX XXXX told me that they would investigate the inquiry to provide proof of my authorization.. They then mailed the investigation report that included a unsigned loan application and unsigned authorization to release information claiming this my authorization. It is not it. I called XXXX again and call was unpleasent. Now CBCInnovis say they are just the middle company providing a service to a bank and that I should call the bank. CBCInnovis business practice and information control are seriously flawed and need to be corrected to protect consumers Details Hard Inquiry Dated XXXX XXXX, XXXX CBCInnovis 1st Call  about XXXX XXXX, XXXX Mail recieved XXXX 2nd call XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Atlanticus Services Corporation
State: IN
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:
Aspire cleared the transaction history so I could not view it to hide that they " reversed '' an automatic payment, which was not refunded to my bank account, and then charged me a late fee on the day that I made my next payment. The automatic payment was according to my bank statement XXXX, and they said it was XXXX. Also, the late fee was about that much as well. They agreed to refund the late fee, but refuse to refund the false fee reversal claiming that it is my bank. Clearly they are hiding shady practices, and if my bank, XXXX XXXX XXXX, had received a payment for me, I would have it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: Avid Acceptance, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Stellar Recovery, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a XXXX XXXX AAdvantage Executive Platinum credit card from Citi bank. I pay {$450.00} annual fee which is tied to my XXXX XXXX AAdvantage account which also gives me access to the XXXX XXXX around the country. I use this card to book my flights as I travel quite often and also for everyday purchase. Recently, Citi bank closed my account all of a sudden without informing me. I could not use this card to access the XXXX XXXX as my access was denied. Also, I could not purchase anything. I was trying to pay for my rental car at the airport and even that transaction was declined. I always paid my account on time and more than the minimum due amount every month. I had to face embarrassment because what Citi bank did. I have no idea why my account was closed without any proper explanation. Citi is refusing to reinstate my account and also not giving me proper explanation for their actions. I feel like being manipulated by these big credit card companies and my financial needs is dependent on them which should not be the case. They are also refusing to credit back pro-rated amount of membership of {$450.00} that I paid beginning of this year as they have closed my account without any valid reason and unexpectedly. I need some answers please. Thank you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: SYNCHRONY FINANCIAL
State: CO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.

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 2021-12-06
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXA Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry 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 2022-04-29
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
MY SON CALLED ME ON XX/XX/XXXX AT XXXX XXXX HE SAID HE WAS JUST IN AN ACCIDENT, THE POLICE TOOK HIS PHONE AND HE COULDN'T TALK BECAUSE HIS NOSE WAS BROKEN AND HE HAD A NUMBER OF STITCHES ON HIS LIPS. HE SOUNDED LIKE MY SON THOUGH. HE SAID HIS LAWYER FROM LEGAL AID WOULD CALL ME. THE ATTORNEY CALLED ME ABOUT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. I WAS CONTACTED BY XXXX XXXX WHO SAID HE WAS WITH LEGAL AID IN XXXX XXXX. HE STATED MY SON WAS IN AN ACCIDENT AND NEEDED TO POST BAIL ON FRIDAY MORNING TO BE RELEASED AFTER HIS HEARING. THE BAIL WAS XXXX $ BUT I COULD WIRE THE MONEY TO A NEW JERSEY BANK ( TD BANK ) TO THE LEGAL AID PERSON WORKING WITH THE XXXX XXXX COURTS. HER NAME WAS XXXX XXXX, HER ACCOUNT AT THE BANK WAS XXXX XXXX XXXX ROUTING NUMBER XXXX ... I WIRED THE MONEY AT XXXXXXXX XXXX FROM MY BANK, XXXX BANK IN XXXX. MY SON SUFFERS FROM XXXX FROM 23 YEARS SERVING IN THE XXXX. I DIDN'T WANT HIM TO BE IN JAIL. THE ATTORNEY SAID HIS BAIL HEARING WOULD BE FRIDAY XXXX XXXX AT XXXX AM.. XXXX XXXX XXXX THE ATTORNEY, CALLED ME AFTER THE HEARING WITH NEWS THAT THE JUDGE WOULD SIGN A RELEASE BUT THE OTHER PERSON IN THE ACCIDENT WAS PREGNANT AND SHE MISCARRIED. SHE WOULD DROP ALL CHARGES IF I COULD SEND XXXX $ TO COVER MEDICAL. I GOT SUSPICIOUS AND STARTED RESEARCHING XXXX XXXX COURT CASES AND DETENTION FACILITIES AND COULDN'T FIND MY SON 'S NAME ANYWHERE. THE LAWYER JUST CALLED ME AGAIN BUT I LET IT GO TO VOICE MAIL. PLEASE ADVISE AS TO WHAT I CAN DO TO RECOVER MY MONEY. I CALLED TD BANK AND THEY COULDN'T DO ANYTHING WITHOUT THE PERSON TO BE THERE TO OPEN HER ACCOUNT. MY BANK WARNED ME BUT I WAS SO WORRIED ABOUT MY SON I SENT THE MONEY ANYWAY. HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.

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 2023-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SunTx Capital Partners
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am having problems getting Freedom Truck Finance to do a full investigation on my account. I was approved for 4 extension on this loan. They only have 2 due to a new company buying them out. My love should have never have any late payment nor should they close this account on my credit report. They can 't provide any paper work showing my original loan. I paid the balance out in full when I was suppose to but according the FTF I didn't. I would like my account open on my credit report with no late payments. 
Here are my account numbers. 
Original loan- # XXXX New loan with new company-XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-05-15
Company: Eagle Accounts Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My income taxes have been took in full for the last 4 years and my stimulus check and that mo ey is for my kids it says they con o ly take 50 % from a person with a family but they take 100 % of my check and 60 % of my pay roll I gave XXXX children at home and a wife the person receiving the money is working under the table not paying taxes at her father XXXX  office and she makes over XXXX a year and she still get government assistance because the XXXX  is her father friend and her XXXX XXXX XXXX XXXX is her friend from high school I'm being railroaded and my kids are getting the short end of the stick

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 2021-06-15
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting an account on my credit file that needs to be removed. I took a look at my credit and noticed that Knight Adjustment continues to report a collection on my credit despite me paying it. I am aware that Knight Adjustment can report to the bureaus as they deem necessary. I ask that they delete this collection and provide me with a letter stating the bureaus should remove this account. If I do not receive said letter, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to legal proceedings against Knight Adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion is a deceptive company. There are lots of incorrect phone numbers, address and consumer things on my account that don't belong to me. When I tried to call, I was hung up on 3 times and online gave me a error message that said my report was unavailable. It was a mess. I have a XXXX score, a XXXX bankruptcy with 1 new credit opened from my credit union and thats it. No wonder I cant get credit, they have so much junk on my file its a shame. Also they have offshore Customer service people who you can barley understand handling American consumer reports. That is too important of a task to put in the hands of people from another country. TransUnion needs to be fined and abolished,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, AFFIRM INC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Account was in name relocated to another city did n't not know the account was still open, I close the account and put in for a change of address, but never received any billing or no one tried to contact me before sending my name to a collection agency. The collection did not try to contact me ever before, sending my name to the credit Bureau. Once I found out I paid it in full because I was in the middle of getting a mortgage. Explain to the company my issue and they did not care. I was meant with the rude Customer Services and Managers. I call XXXX and they told me to have the company to send them an electrical removal to remove it off of my credit report and they did not care. I even call the company that gave them my name and they said it was ok for them to remove my name because they no longer had a contract with the company, but not thing helped. The company even when as far to send me account to show a XXXX balance so that they can remove the account.

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