BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. 

After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. 
Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: AR
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:
THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a secured credit card with Citicards for {$200.00}. The secured balance was used to pay off the {$200.00} credit balance. They took the secured balance, but are sending me a fraudulent bill of {$250.00}. Citi is charging {$250.00} for a balance I do not owe. I asked for itemized proof of this debt showing dates of how this balance was incurred. Citi can not provide proof of this debt. Please wipe this debt and remove from all of my credit reports. It is harming my credit profile and factoring into credit decisions that are influencing my finances.

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 2022-06-09
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is trying to collect a medical dept that is a result of Identity Theft. They are relentless. Will not respond. Continuous attempts at collection when this bill is not mine and I was never in an emergency room anywhere near the state or city they claim. 

This is a fly by night company clearly without any sort of legitimate operation. This bill is not mine, yet they are still trying to collect!!! 

Several attempts at stopping the collection resulted in sending the bill again and again. Will not respond to my dispute for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert that my credit files had been flagged/updated by Paramount Recovery Services Systems XXXX XX/XX/2022. Paramount Recovery Services Systems are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Paramount Recovery Services Systems, and I do not know how Paramount Recovery Services Systems received my private medical information. Paramount Recovery Services Systems do not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Paramount Recovery Services Systems . My HIPPA rights have been violated. 
I am not a party to any agreements that Paramount Recovery Services Systems may or may not have with XXXX XXXX. I am not responsible for Paramount Recovery Services Systems purchase / transfer. 
Paramount Recovery Services Systems reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Paramount Recovery Services Systems or XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I wired the money to an account to the XXXX XXXX XXXX XXXX, on XX/XX/2022 with the help of Chase banker at Chase Bank in XXXX XXXX, Illinois. 
The Chase Wire Tracking Number is XXXX and the funds ( $ XXXX ) were said to be available on XX/XX/2022. 
Later that night, I realized that Id been scammed so the next morning, on XX/XX/2022, I immediately went to my local Chase branch to see what could be done about canceling the wire transfer. 
I asked the banker if the transfer could be stopped, and I was told that Chase will investigate and should be able to get my money back since the transfer wouldnt be available until XX/XX/2022 anyway. 
Today is XX/XX/2022 and I still havent heard anything from the investigation of this fraud. 
Please let me know if I need to provide more information into this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score.

I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.

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 2022-12-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Care Credit credit card and the Care Credit online payment portal XX/XX/22 to pay XXXX XXXX for services rendered XX/XX/22 in the amount of {$2800.00}. To date, my provider has not received payment. Care Credit has been negligent in delivering my payment to XXXX XXXX while continuing to charge me for the transaction. I have made calls into Care Credit Customer Service. XXXX XXXX has made calls into Care Credit Merchant Services. XXXX XXXX and I have even sat down together to call into Care Credit. Care Credit verified on their end that the funds did not transfer and had stated that they would internally re-route them to the correct account and that XXXX XXXX should receive the funds by XX/XX/22. XXXX XXXX has still not received the funds as of XX/XX/22 and Care Credit is continuing to charge me on the transaction. Customer Services states they can not help and it needs to be resolved on the merchant 's end.

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 2022-07-31
Company: EQUIFAX, 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. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was XXXX  % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with IC3.gov, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: IL
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 went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2022-09-27
Company: Experian Information Solutions 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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2022-09-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks on XX/XX/2022 to my Fifth Third checking account. One from my mother for {$1500.00} and another for {$480.00} from a settlement. My account at the time was overdrawn by {$270.00} and while I had thought perhaps one check might be held I had deposited several checks from my mother that were not so I had no expectation there would be any problem. 

Imagine my shock when I checked this morning XX/XX/2022 my deposit shows as pending but I am still negative. I received no text or alert and they are holding not one, but both checks until XX/XX/2022. This is deliberately keeping my account negative and will cause more transactions, including my car payment and an IRS payment to be returned when I should have more than sufficient funds to cover both. 

My account has been open for almost a year and I receive direct deposit of my paycheck and never had any check I deposited returned. This seems manipulative and predatory. 

I spoke with a branch representative when my account was new and I had a hold on a mobile deposit. He specifically told me if I did not use a mobile deposit I would not have a problem. 

I am going to have fees from both Fifth Third and various companies if these bills are returned unpaid. I reached out to them and explained everything and they basically said too bad it is what it is. I received nothing when depositing or after that these would be held.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My transactions take about two weeks to complete pending. Ill have transactions pending from the week before, and all of it comes out the few days before Im paid so my account hits the negative. Sometimes I get charged for that. Why do my transactions pend for so long?

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 2022-07-31
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2020, MIDLAND CREDIT MANAGEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am not responsible for this account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, MIDLAND CREDIT MANAGEM has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
phh mortgage services XXXX XXXX XXXX escrow dusbursment is over 60 days have not received payment closed XXXX XXXX 2022, called 3 times each time they told me to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2022-12-08
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Violation of my consumer rights by reporting and demanding payment of a debt I do not owe or have any recall of owing they have aggressive tactics high jacked my credit with stating to all my credit reports in a negative way and has damaged my ability to purchase a house to move my family in Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX Collection on XXXX XXXX Insurance I have not had a car with progressive insurance since 2006 and do not owe progressive insurance any money My XXXX XXXX XXXX Email XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Bread Financial Holdings, 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:
On XX/XX/2019, COMENITYCAPITALXXXX added a derogatory mark on my credit report per XXXX. This account does not belong to me and should not be reported on my credit report. Upon further research, this account has been transferred and sold multiple times. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, COMENITYCAPITAL/XXXX  has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: DISCOVER BANK
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:
On XX/XX/2017, DISCOVER BANK added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. The debtor 's creditor did not verify this Account. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. According to the FCRA, DISCOVER BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a charge on my account that I did not recognize for services I had not receive. I disputed the charge with my credit card company ( Chase ) and they credited my account. The same merchant attempted to charge my card again twice separately after a six month and a one year hiatus. The last billing was in XX/XX/2019. 

I asked Chase to resolve this once and for all, and block this merchant as this is a repeated pattern. Chase analyzed past records, and agreed to block the merchant and stop all future billing and rebilling from this merchant. This assurance ( of account being credited and final resolution of the dispute along with blocking of the merchant for all future transactions on my account ) was first provided to me over the phone with Chase dispute resolutions representative, XXXX on XX/XX/2019 at XXXX. 

XXXX followed up with me with a letter stating the same ( attached ) where it clearly states, " We blocked this merchant from charging the account, you shouldn't see charges from this merchant on your account in the future. '' To my surprise, the same merchant charge was rebilled to my account in my XX/XX/XXXX statement. When I contacted Chase they were unwilling to resolve this. I shared the letter I received with XXXX and XXXX at Chase. XXXX said that the letter states that " you shouldn't see charges from this merchant '' does not mean " you will not see charges from this merchant. '' I asked XXXX if he is stating this on record and he said that the line is recorded and he stands by his statement that Chase 's prior commitment to block the merchant and that there will no charges is incorrect ( and therefore the charges remain ).

Company response to consumer: Closed with explanation