BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southern Management XX/XX/2018 amount : {$100.00} I am the natural person, Creditor and Consumer according to 15 USC 1692a ( 3 ) - defines Consumer Pursuant to 15 USC 1681c-2 blocking of information resulting from identity theft.

15 USC 1681 ( 4 ) 15 USC 1681b 15 USC 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: ENCORE CAPITAL GROUP 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: Problem with personal statement of dispute

Complaint:
I Disputed this account numerous times and they ignore my disputes. Its been over 40 days and they will not update my account with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To Who It May Concern, On Wednesday XX/XX/XXXX  a fraudulent transaction attempted to post to my bank account with Capital One 360. That transaction was for {$3000.00} made by   XXXX   XXXX   ; that transaction was also rejected due to non-sufficient funds. On Wednesday  XX/XX/XXXX , a hold was placed on my account for the {$3000.00} which caused my account to go into negative status ( $ -1,774.90 ). I have spoken with Capital One 360 about this and they are telling me that nothing can be done because the transaction has not posted it is just being held incase   XXXX   XXXX   attempts to take the funds again. I have spoken with four members of their management department with no help. I have also contacted the Federal Reserve Bank ACH Department. They advised me to this website to submit a complaint.
<P/>
Due to this fraudulent transaction my family now has to go without food and utilities because my payment to my utilities was rejected because of this hold on my account. Capital One is advising me that the hold will come off of my account on XX/XX/XXXX  if   XXXX   XXXX   does not attempt to debit the funds again.
<P/>
So now my family has to wait until XX/XX/XXXX and hope they do not try and take the funds again. Capital One is saying that this is out of their hands and that there is nothing they can do about it.
<P/>
I switched from a small town bank to Capital One for better security. I am not receiving what I expected and definitely do not recommend Capital One 360 to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This credit card company calls me at least 10 Times a day from identified numbers as well as private numbers. They have contacted my relatives and revealed themselves as a creditor looking to settle a debt. I am now on a payment plan but I called to see why they would call a relative I rarely see and speak on an account that she is in now way associated with. I called the company and they answered every question but why they called and revealed my debt to my relative. It is illegal to tell anyone but me about my debt. They can call a relative legally only to inquire about how to get in contact with me but it is illegal to reveal they are attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : 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 explanation
Consumer complaint received 2017-06-01
Company: 21ST MORTGAGE CORP.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a   XXXX   XXXX   XXXX   working towards a  XXXX   XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ),  and I am a single parent with dependents. My father,  XXXX   XXXX   XXXX , bought the home in  XXXX   XXXX  but unfortunately passed away on  XXXX   XXXX ,  XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans  which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to  set up a payment arrangement for the month of  XXXX  as it was the end of my funding for the  XXXX  semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added   XXXX    on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
mt credit card has billed me for several purchases i did not make as soon as i recieved my bill i saw the purchases i called and reported the charges. The company said no problem took off the charges told me to destroy the old card and sent a new one. I figured this was done but then over a month later i get another bill with those same charges back on it. I call them they said it was found the charges were legit because the card was present. But i didnt make them and i had the card in my possession at all times so had to be a cloned card .The company claims that they cant make fake cards witch i know is completely wrong.so the dates were in XXXX the XXXX XXXX XXXX XXXX, XXXX and XXXX. all of the charges were at marathon gas stations all in XXXX XXXX XXXX or XXXX fl. witch are all over an hour away from were i live some are hour and a half.the charges were almost all within a dollar of each other most were XXXX and change one was only XXXX and another was XXXX the company reviewed the case and still says charge valid because card was present but like i said i have the card so not possible. the credit card company is chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Revco Management, LLC
State: NY
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 with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, REVCO SOLUTIONS, INC.AccounXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
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:
Ive contacted the companies and tried to resolve the matter still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CITIBANK, N.A.
State: IL
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:
so there is a closed complaint XXXX that is on my file so the updates that made me submit new complaint, that im attaching three pictures where you can see citi bank posted my credit score equal to XXXX on their web site and discover credit card posted my credit score to XXXX on their web site where credit karma showed my credit score went down 4 point on XXXX data and XXXX went down five scores which mean what citi bank said they post something on their website and post contradiction to it to the creditors so please look at the attached screen shots and if i ignore this ugly practice, they will keep going. 
its like my credit score is getting lower for the creditors while two of my credit cards showing way higher and improvement on their website, because they post something on their website and to they post the opposite to the creditors something as long balance and complaints beliving the creditors will take what they report not what cfpb direct them to post. 
so yes Citibank and discover behind this mess especially the Citibank that directly told me that creditors take what they say not what cfpb dispute, yet XXXX XXXX post on their site credit karma scores so its like my credit score is low because of such game and the leader is citi bank

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 2017-06-01
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ON XXXX/XXXX/2017 I received a call from a young woman advising me that I have a pending lawsuit against me. She could not tell me what for, but she terrified me saying that I would have sheriffs serving me in the next two hours. I asked what was it for she said she did n't know but it was for a debt. I told her I could n't be home to be served and she told me I better reschedule or they will think I am trying to avoid them. I asked her what address and she gave me an address 3 years old and I never would have received any documentation regarding this lawsuit. She said since i was n't aware of the debt that I should contact XXXX XXXX at XXXX which is the number for XXXX XXXX XXXX. When i called I explained I have no idea what this was about and the gentleman XXXX stated it was for a credit card and the amount due was {$880.00}, he then advised me if I paid today it would only be {$380.00}. He then proceeded to tell me if I pay today there would be no lawsuit and it would be canceled. So i paid it. <P/>I thought about this last night and realized it seemed odd that everything just came out of nowhere and they would have received returned mail since i have n't lived their, so it ultimately made me realize it was a scare tactic that i fell for. I ran the address for XXXX XXXX XXXX and it was a XXXX XXXX i then called and asked for a copy of the canceled lawsuit documents and was told there was n't any and that no sheriff was going to serve me but a courier. I advised him that this seemed like a tactic to get me to pay a bill and advised him I would be filing a formal complaint on the tactics used, he said the company that called me was a 3rd party they hire them to do it and they have no control over what they say, i simply explained you hired the other company to represent your company and you ARE responsible for the methods and tactics they use. I ended the conversation advising him i will file a formal complaint and said goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FIRST HERITAGE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXXXXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone I do not know was able to log into my wells fargo account & they used XXXX XXXX XXXX' to send them selves two transactions totaling to {$2700.00} in late XX/XX/2022. I spoke to wells fargo about this & filed a fraud claim & they dismissed my claim & said there is nothing they could do for me. I may not be able to afford rent next month & all they could tell me was " we understand what youre going through '' & thats it. theyve been no help at all.

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 2017-06-01
Company: EQUIFAX, INC.
State: CA
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:
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat, because I refused to allow someone else to cheat me??
<P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My urse was stolen several years ago, and someone started opening accounts in my name. I went to the police and did everything they told me to do to correct everything. I've been back and forth with these ppl for a few years trying to get these things off my reports. However, they are still reporting 2 items and a few inquiries that aren't mine. Please do something to help me get them off.

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 2019-08-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was told today, XX/XX/2019 by my employer XXXX XXXX, phone number XXXX, case # XXXX has been calling the the chairpersons office at my work to get permission to have me served while I am working. I XXXX at a XXXX college. I called the number and spoke to a 'XXXX XXXX ''. He is calling about a debt that is over 10 years old. I asked him to stop calling my work. He then called the chairperson two more times after we spoke and after I asked him to stop these calls at my place of employment. I have not received any mail regarding this old debt or received any calls. This harassment is affecting my job performance and personal reputation from my employer of XXXX years. I need this to stop!

Company response to consumer: Closed with explanation