BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: Bonneville Billing and Collections
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:
Bonneville Collections is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off.I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent an investigation letter to XXXX, XXXX and equifax asking about the said bankruptcy XXXX on my credit report. They sent me back the reporter of XXXXXXXX XXXX. I contacted XXXX XXXX on XX/XX/2022 asking how was this information provided and if not from the actual source to remove this information from their files. On XX/XX/2022 and XX/XX/XXXX XXXX XXXX sent me a letter saying the information was not verifiable through XXXX and was removed from their records and updated. However equifax still had this information reporting on my credit as of XX/XX/XXXX. This info has been removed from XXXX and XXXX. Equifax is breaking several laws and their reporting has caused me denials for a home loan. The said information is incorrect. Please remove. This is my 7th attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: I.C. System, 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:
I C System Inc. tried disputing account not mine third party collection trying to contact multiple times. No validation or response

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 2016-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XXXX XXXXXXXXXXXX RE : Account # XXXX CONSUMER COMPLAINT/FIRST XXXX RE : ID THEFT VICTIM I was a victim of Identity theft and did not give written or verbal, authorization for this account or any account to be opened with this company. I had a fraud alert in place with all three of the major CRA. I have submitted ALL of the proper and requested documentation requested by XXXX XXXX XXXX. I have sent via USPS as well as faxed requests for the account to be removed from my personal credit report. They have not only refused to acknowledge my repeated requests to complete their investigation that they do internally, they will not stop calling my work cellular phone that they obtained the phone number via their caller ID method of tracking people that are in collections. I contacted this company as soon as I was made aware of the several other opened credit accounts, collections and inquires that were obtained with my personal and private information. I immediately filed a police report, contacted the FTC, OAG office, and the CRA 's to start the grueling process of returning my personal credit score to where it was before this debilitating act of fraud was committed against me. I can not get a mortgage loan, bank account, car lease, or any other forms of banking and or financial products and services now because of this company violating my rights under the Victims of Identity theft ACT, initiated by the federal government. I do not know what more I can do to get this company to respond to my repeated pleading of removing the fraudulent and inaccurate negative information to the credit reporting agencies. I am also at risk of potentially losing my job due to a new policy that is going to go in to affect with my company due to the poor credit score and history that I am being punished with for a crime someone else committed. Please Help Me? 


Acknowledgement from Ohio Attorney General I agree that the information given above is true to the best of my knowledge and belief. 

Thank you for filing your complaint. You should receive an e-mail confirmation of your complaint within 24 hours. 
Your complaint reference number is : XXXX If you have any additional information, please contact the Ohio Attorney General 's Help Center at ( XXXX ) XXXX. Please have your complaint reference number ready.

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 2016-09-09
Company: Ad Astra Recovery Services Inc
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had applied for a loan and allready paid the amount through the customer service. Now i see a negative credit remark on my credit score and an amount due which has already been paid long time ago. I had been harassed with calls and mails to my address. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Revenue Assurance Professionals LLC
State: TN
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  Consolidated Recovery Systems  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide  by the FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in  XXXX  of   XXXX   and the false information is still showing on my credit reports under the first  XXXX  names listed : Date  XXXX   XXXX ,   XXXX   Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX   XXXX  : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c.  The Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XX/XX/2022 XXXX  XXXX XXXX Transunion

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 2021-09-24
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This complaint is about the Best Buy Credit Card issued through Citi Bank. I have had that card on auto payment for more than a decade and never look at my statement. Today I reviewed my statements and realized they have been charging me for a " Debt protection '' program that I never knowingly agreed to. In just the past three months, they have charged me more than XXXX dollars for this service I never knowingly agreed to and do not want. 

I called the listed phone number and spoke with a customer service person who told me that I had signed up for the debt protection program in 2007 when I applied for the card. I don't think this is accurate as I wouldn't have signed up for insurance for a credit card. Or they hid the consent for it within the signup process. I'm not sure, but over the last 15 years, they must have charged me thousands of dollars in debt protection fees without my consent. I requested that they cancel the service and I also requested a refund on the charges.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: VA
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:
Im accordance with the Fair Credit Reporting act Upgrade # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a 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
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells fargo home mortgage has XXXX dollars in a escrow account for insurance claim fund from Hurricane Florence. I  have asked for a XXXX check payable to me and XXXX XXXX XXXX so I can get the house painted. The insurance company has authorized this repair .Mortgage # XXXX for XXXX XXXX house at XXXX XXXX XXXX XXXX XXXX Nc XXXX phone XXXX The painting company wants to start and I do not have half down so i can give them a wells fargo check and let them hold the check and I will sign it when the job is done. After 4 phone calls to wells fargo in XXXX Mn they have assigned XXXX XXXX to give me an answer by XX/XX/XXXX. I need the check this week! XXXX can be reached at XXXX ext XXXX. This is my money and I have faithfully spent all previous escrow releases..

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 2020-04-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/2020 Barclay Bank Credit Card Dispute Customer Service Dept TO WHOM IT MAY CONCERN! ACCT # XXXX I contacted Barclay Bank a few days ago to inquire who closed my account and why my account was closed without sufficient notice. I have just learned that my best credit account was closed a few days ago. Today I tried to contact Barclay Bank again by phone to resolve this issue and the phone contact option was limited. 

I was away from my home for over 3 weeks. I was staying with a family member out of state and have not received a phone call, mail, or any notification from Barclay due to my illness. I came to find out that my account was CLOSED ending in XXXX. This account was in good standing with a good credit history that I was trying to build and preserve. THEY CLOSED MY ACCOUNT WITHOUT REACHING ME DIRECTLY. The representative told me that they sent me letters by mail but because I was away, did not receive notice from the bank. IT IS IMPORTANT TO KNOW THAT I WANT TO TAKE THIS MATTER TO WHATEVER LEVEL I NEED TO RESOLVE THIS ISSUE. 

Because it is less than 10 days, I am asking the bank to escalate my request to your managers and I am asking that they PLEASE MAKE AN EXCEPTION AND GIVE ME A ONE TIME COURTESY TO REINSTATE my account to protect the integrity of my credit history that I had established with your bank for many years. 

I WOULD LIKE THIS CARD REINSTATED DUE TO CONDITIONS OF QUARENTINE CORONA VIRUS. I THINK THE BANK MADE A HUGE MISTAKE BY CLOSING MY ACCOUNT WITHOUT CONTACTING ME DIRECTLY AND THE AUTOMATED SYSTEM ASSUMED THAT I DID NOT RESPOND. Due to quarantine, I was not at home to receive any mail. I want to file a Consumer Complaint towards BARCLAY BANK. The Banks actions are totally unacceptable during this time of Corona and my established account should be reinstated. In return, I will use the account on a regular basis. 

I thank you in advance 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 2020-03-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with the Mortgage Bank Chase JP Morgan in XXXX ohio. completing the loan modification over every 30 days as Chase stated that this would prolong my foreclosure. Each time the denied my request. So I filed for Bankruptcy chapter XXXX and bankruptcy court new I asked to keep my home. This was XX/XX/2020. My attorney XXXX XXXX XXXX XXXX XXXX Ohio said that he would help me with completing these steps to keep my home with Chase. Chase never called my attorney XXXX XXXX back, or called my back. I have continued to try to contact to Chase to prevent any and all foreclosure or sale of my home. I have been given information on hope now, contacted them and said there is nothing they can do for me since Chase has bought the home out from underneath me XXXX XX/XX/2020 This year. This prevented me from any type of mortgage assistance or any type of prevention to keep me in my home. This I feel that being a older woman I have discriminated against, since I am a widow. This has been going on for two years., I do have a plan b to live at my brothers place, but this needs to be investigated due to if this continued to happen to me how many other people will this happen too!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past few months, I've been disputing this account. I have received no information from them, even though I've requested everything. they have continued to report the debt, even though they have not validated it, which is a violation of the FCRA and FDCPA. I do not know what this debt is for, and they have never sent me any validation. Please help me with this, I do not know what else to do, they are destroying my credit and my life! During a National Crisis, this is deplorable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXXXX XX/XX/XXXX 5XXXX XXXX XXXX XXXXXXXX XXXX XXXX 6. XXXX  XXXX  XXXX XXXX XX/XX/XXXX Inquiries 1. XXXX  XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX  XXXX 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 2022-04-13
Company: Experian Information Solutions 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 with the Fair Credit Reporting act XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX Account 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
Consumer complaint received 2016-09-06
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.

Company response to consumer: Closed with explanation