BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
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 filing this complaint against Macy 's for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 
I am aware 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. 
Im also aware that once a debt is cancelled, it now becomes gross income. 
Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 
Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If Macy 's has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX  XXXX, and XXXX  conversions. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

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 2016-06-24
Company: Capital Management Services, LP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Capital Management called me today on a credit card matter that I thought was taken care of. It is not on my credit report at all. No where to be found. The person first called me at work which number I have never given to anyone but my loved ones and my daughter 's school. He then called me on my cell and started to threaten me by saying rude remarks about how this needs to get paid no matter what the case and the fact that he would pay a bill unlike me. He got very nasty when I asked for a letter when I have n't received any of them from before. He wanted to email it to me but I have rights to receive a paper in the mail. He degraded me about why I do with my day and why I should be taken care of this before. He offered a settlement and I told him I could n't afford XXXX dollars up front and he said most people can. He does n't know my situation nor tried to help. He kept up with the snarky comments and would n't back down. It was to the point where he would n't let me off the phOne until I paid him which I would not do until I figured this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my phone stolen in XXXX With that being said i tried to file a police report. Due to covid they said unless it was an emergency or I knew who took my phone there was nothing they could do. I then contacted my bank once I noticed there was wire transfers to XXXX made in XXXX which I did not recognize the name and since then there has been over 20 transactions with XXXX and XXXX. I was able to get XXXX to remove my card info in XXXX after 2 months of trying to reach someone. I filed a claim with suntrust they denied it and then denied the rebuttals. I had over XXXX stolen in 3 months and no action was taken. Suntrust was to block all transactions but never did. I am going to be evicted from my home because of this stolen money and now my account is over {$400.00} negative. Is there anyone who can help me get my stolen money back. I feel SunTrust did not protect me as a bank and they just allowed me to be robbed.

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 2020-08-08
Company: Google Compare Credit Cards Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on or around the middle of XXXX google pay allowed transaxtions to go through on my google pay account which was hacked causing me over {$400.00} in charges two charges thriugh XXXX and at that time i didnt even have a valid credit card on file yet they charged the one i  had on file with them anyway and a tons of XXXX and XXXX and XXXX XXXX   charges that i didnt charge and some didnt even have the new card of my account on hand it ws in orute after i called and canceled the XXXX XXXX XXXX I am owed almost {$500.00} becasue of these charges and I cant chagre back or they wont let me charge it bacj becasue for some reason they are saying i made the charges when there is no way i could have

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PRESSLER AND PRESSLER SUED ME ON THE BEGINING OF XXXX with the XXXX SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to XXXX ( pressler and pressler attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the XXXX XXXX not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in XXXX and they filed a lawsuit in XXXX  where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the pressler rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. Pressler and pressler illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX surgery making me judgment proof status. Until today 's date we do n't have real documentation that XXXX XXXX is the new creditor and pressler and pressler did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband is an XXXX that was laid off XXXX XXXX, 2015. Knowing that I would not be able to make our mortgage payment I called the mortgage service company and asked to apply for a modification. I was told that I would not be able to apply for a modification because I was current on my mortgage. That I would need to stop making my monthly payment to fall behind and then would able to apply. I did this and was allowed to apply for a forbearance, and was approved for this plan which included to pay a XXXX a month mortgage until my husband became employed again. As soon as my husband became employed again I sent in a copy of his pay stub and then was able to apply for a modification. Doing exactly what I was told to do I sent all the information needed to apply for the modification which is now in review. After my application went to the modification department I was then informed that I should have never been told to stop making my payment to apply. This is not correct information any longer with a new law in place. Now my loan is extremely in default and I know that I will never be able to bring it back to current because of the negligence of the employee who told me to stop making my payment. I fear losing my home because of employees not being educated properly to do their job. XXXX XXXX from the modification department has informed me that she is going to have the phone conversations reviewed and to have them used in education for the employees because the laws have changed and the phone reps need to be giving correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Credit Control, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
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 filing this complaint against XXXX 's for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 
I am aware 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. 
Im also aware that once a debt is cancelled, it now becomes gross income. 
Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. 
I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 
Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 
If XXXX 's has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

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 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by women s hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: NV
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 ACCOUNT # XXXX, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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 explanation
Consumer complaint received 2022-05-18
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2015-09-10
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I submitted a complaint regarding the debt collection agency, Hunter Warfield to the CFPB because they were giving me great difficulty in resolving my debt. When I initially contacted them they offered me a repayment rate that I initially could not accept. Later they changed that rate and then refused to negotiate a repayment rate of any kind saying that I had to pay in full. After contacting the CFPB, Hunter Warfield agreed upon a repayment rate. They then responded to the CFPB saying that we had successfully resolved the issue. Although we agreed upon a repayment rate Hunter Warfield refused to provide me with an agreement letter stating the terms of the repayment. They also refused to provide me with a receipt for the each payment that I made. In my mind this is not full resolution. I would like a letter stating the terms of the new agreement. My original complaint number is : Case number : XXXX. 

Thank you for your help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my Discovered secured card back in XX/XX/2020 and requested my refund. 
I was told the process would likely take 2 months to complete. 

It has been 6 months and after 3 failed attempts, I am under the impression that Discover wants me to give up claiming my deposit funds ( {$400.00} ). 

I have called them up at least five times now and they always say the check is on its way. 
Several weeks go by and the check never arrives. 

They have allegedly sent out 3 checks and I have provided 2 different addresses but the check never shows up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I made payment arrangements with XXXX XXXX for my creditors. Capital one agreed to a lower payment for 2 months. They put 2 negative marks on my credit as a delinquent account. When I reached out to them, they told me it was too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
There are charges I know nothing of or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with XXXX   and they declined to assist me with this issue. My understanding about XXXX  reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong 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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion will no longer allow me to file online disputes or see my credit report online. They say investigations must be done manually. They are punishing me because they have made so many mistakes. They continue to release my credit report to fraudulent individuals. Here are the illegal inquiries as follows : XXXX delaware 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