BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: Modern Asset Management, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX sent me emails in XX/XX/XXXX stating that I was past due when I was not. They called me at the following time regarding a collection and they sent emails saying I was late too. I had already made my payment on time. They took 10+ days to post the payment. That is not my issue. They clearly violated my rights with calls before XXXX local time ( CST ). 
They called from XXXX to XXXX XXXX follows : XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX, XXXX, and XXXX CST XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX CST XX/XX/XXXX called at XXXX CST JXX/XX/XXXX called at XXXX CST ( date shows yesterday ) Then in XX/XX/XXXX- I made my payment on time but they sent me email and called when my payment was made on time XXXX for FDCPA violations In XX/XX/XXXX, I asked for their help in resetting my password, and they refused to send me a new password. I can't validate my account # because I can't get into the online system. If you look at the email thread, they had the information they needed to assist me, however, they chose to play games with me. 
Attempt to reset password attachment I sent them a demand letter as I was tired of being treated this way. They acknowledged the letter sent XX/XX/XXXX and did nothing. I sent same letter via USPS and chose to ignore it as well ( tracking # XXXX delivered XX/XX/XXXX ). 
Ack of letter attachment

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 2022-08-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX this year, someone hacked into my account at Citibank and issued wire transfer instructions. Citibank DID NOT verify such wire transfer instructions ( despite its promise to do so, as stated in its Citibank Client Manual ), thus causing devastating losses of {$65000.00}. I am a XXXX XXXX and this is almost all of my lifetime savings. I complained to Citibank some time ago but have not rec 'd my money back yet today. 

No one from Citibank had contacted me before the wires went out.This is particularly troublesome since : ( a ) I have NEVER ordered any wire transfer in my accounts ; ( b ) The payments were going to third parties, which made them particularly risky ; ( C ) The wire transfer amounts were substantial relative to the balances in my accounts, as they represent more than 90 % of my average account balances.

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 2022-07-02
Company: Bread Financial Holdings, Inc.
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:
I have two cards with Comenity Bank. I haven't been able to log onto their websites to pay my bill for over 2 weeks. I have tried using the automated voice system to make payments as per Comenity 's instructions and that method doesn't work either. What's worse is Comenity has ghosted millions of customers and they will not provide answers to what is going on. I'm fearful that they have been hacked and that the personal information of millions of customers including back account information has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Ulta brand XXXX through Comenity bank that I have had on almost 6 years. I have been a platinum Ulta rewards member since then meaning I spend at least $ 1200 yearly and I have never missed a payment on this credit card. I use my card actively. I have been unable to use the card for the past month and am unable to log into my account online. In addition, comenity bank reported my account closed to XXXX on XX/XX/2022 without notice or any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a Bill from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$210.00} and PAID this Bill in Full on XX/XX/2022 via my XXXX Bank Electronic Bill Pay Service. 

I later received Correspondence from Professional Finance Company, a Debt Collection Agency, for this very same Bill. 

I contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. 

I have provided Professional Finance Company, XXXX ( XXXX ) Separate Proof of Payment Documents from XXXX Bank, which Professional Finance informs me that XXXX will Not Accept as Proof of Payment. 

I have PAID this Bill. My Bank has Confirmed that the Transaction was Processed/Paid, however, XXXX and Professional Finance Continue to Refuse to Acknowledge Payment. 

XXXX states that they do not show the Payment Transaction in Their System. 
XXXX Bank shows the Payment Transaction as Processed/Paid to XXXX. 

I need help in resolving this Dispute in Collecting a Debt that I have already paid. 

Your Assistance in helping me to resolve this matter is greatly appreciated. 

XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEM. IN COMPLAINT NATIONAL CREDIT SYSTEM states that this account has been charged off. I have never given NATIONAL CREDIT SYSTEM any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX XXXX XXXX ). I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. 'XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe NATIONAL CREDIT SYSTEM ANYTHING I have reason to believe that NATIONAL CREDIT SYSTEM is choosing to share this non-public negative information to my consumer report with fore thought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. 

I DEMAND THIS ACCOUNT TO BE UPDATED TO PAID AS AGREED OR REMOVED FROM MY CONSUMER REPORTS OR I'LL BE FILING FOR LITIGATION AND DEMANDING {$1000.00} PER VIOLATION. 

XXXX XXXX XXXX - account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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 paid for a hotel room through an app for XXXX via my phone using my Bank of America XXXX XXXX credit card. I also paid the added cost of insuring the room 's availability. When I got to the hotel, the clerk told me the room was given to someone else and no other rooms were available. I could not find another room in a safe hotel in the area and my family and I had to sleep in our van. The price I paid was {$330.00}. I initiated a dispute through my credit card company. The dispute failed and I incurred the cost on my credit card. The Bank of America XXXX XXXX representative told me the letter from XXXX stated that the hotel tried to make accommodations but because of the circumstances, couldn't accommodate me nor refund the money. That explanation did not make sense to me and I feel my credit card company should have done more to protect their consumer. I have since cancelled my card over this problem.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
My XXXX XXXX XXXX Card appears twice on my XXXX report. I only have one XXXX XXXXXXXX card and the other account should be removed. This account is a duplicate and needs to be removed.

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 2023-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: TD BANK US HOLDING COMPANY
State: PA
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 with product or service terms changing

Complaint:
Target Card was opened under my name. I called the company and reported that it was fraud. Not sure how the have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Olson Associates PC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received a court summons from Olson Shaner, XXXX XXXX  XXXX. This was the first communication I had ever had with Olson Shaner. I was never given any notice of debt or the opportunity to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-08-28
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
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:
Hayt , Hayt & Landau , P.L . Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.

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 2023-08-15
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:
Attached is a FTC report I received today XX/XX/2023 about the recent charges with EXPERIAN. Further stating, proving, and verifying their fraudulent practices and occurrences thereof.

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 2023-04-06
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to a tire shop to get new XXXX  and XXXX  and when I was there the lady tell me that I have 3 months to pay if I. Dont want any interest. I dont make it on time but now that I want to pay the loan I only finance XXXX dlls and they are charging me 300 % interest or a total of XXXX dlls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I see a new item with JEFFERSON CAPITAL SYSTEMS as XXXX XXXX. The reported debt is listed for {$260.00}, and recorded as in collections starting XX/XX/2022. The XXXX account is not from recent years and in my knowledge, was closed out without a balance and paid. I have not received any proof/verification of the debt from JEFFERSON CAPITAL SYSTEMS, nor details about when the debt was purchased. This is damaging to my credit reports and scores. I have also contacted XXXX in the past for debt verification, and it was never furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. Equifax, XXXX, and XXXX are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, EQUIFAX MORTGAGE XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Key bank in Colorado has frozen my account based on a check they cashed and now won't let me access the account or funds and no one can tell me why it got locked in the first place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. XXXX, XXXX, and Transunion are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX - XXXX XX/XX/XXXX. 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These are clear violations of my federally protected consumer rights.

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 2022-04-25
Company: Credit Corp Solutions Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received no verification of debt from the Credit Corp Solutions company. I have filed several disputes and requested several times that they complete a verification of the debt and mail the results to me. They have not responded to any of my requests but continue to report inaccurate information on an invalid debt and balance owed and increasing the debt balance daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've attached proof of Clarity inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue Clarity and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! 

FCRA Section 623 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.

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