BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers. 
# 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 2019-07-17
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix financial debt does not belong to me and I called them to verify it and the information doesnt match. Remove it from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.

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 2017-11-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX have violated my rights with the sections listed below. 

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 2017-11-08
Company: Ditech Financial LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. 

I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Colony Brands, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Montgomery Wards is an online store. Ginnys and XXXX XXXX are all 3 sister companies. Down to the account numbers. XXXX XXXX has sent me a letter stating they found my account was found to be opened fraudulently, but Ginnys and Montgomery Wards do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am XXXX Years old male, I was the caretaker of my spouse for 6 years prior to her passing of XXXX XXXX & XXXX failure on XX/XX/XXXX. 
During these 6 years my professional earnings were limited in hours and days as she needed 24/7 care and emergency visits to XXXX XXXX XXXX for treatments or E-R. She became ill in XXXX & passed in XXXX. 
During the duration of those 6 years & financial difficulties we access our credit reserves of our credit cards, XXXX, XXXX , & XXXX  XXXX. 
We made payments due for the next 3 years, XXXX and then Hired XXXX XXXX in XXXX OK to consolidate our debt of {$110000.00} to a monthly {$1100.00} for all. ( See attached 3 years of payments ). 

Now at XXXX unable to work due to XXXX  & other medical symptoms like XXXX 's with only income my Social Security of {$1800.00} and some residual commissions from previous employment that are less than {$2000.00} annually, I am no longer able to pay these Creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: AES/PHEAA
State: OH
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 attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the XXXX loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all XXXX of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. XXXX of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. AES updated the 30 day late comment on my credit report for XXXX bank but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to AES in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: First Credit Services Inc.
State: RI
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 received a call back in XXXX of 2017 about a supposed debt collection from a gym that I used to belong to ( XXXX XXXX XXXX, No Contract ). The woman that I had spoke to was extremely rude and then threatened to destroy my credit if I did n't pay the bill. I did ask to get a letter stating that I owed them and wanted all of their information. She then refused and then stated that she had already sent me the information. It has been 4 months and now this is hitting my credit report, while I still have not received a single bit of paperwork stating who I even owe this money to! I have called them and told them to send me information, but they refuse to do so. They will not send me any information in regards to my " debt ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Debt Mediation ( PDM ) is trying to scam consumers into paying more than they are required to pay for past due debts. I will admit that the amount that was sent from the original creditor is incorrect, but I have since spoken to the original creditor as well as PDM to have the amounts adjusted. Both parties have admitted that the amounts are incorrect on separate occasions over the phone, but no one will send me anything in writing correcting the amount. <P/>The original debt is for XXXX XXXX XXXX which was formally owned by XXXX XXXX XXXX. There are two standing issues with the amount I am accused of owing. First, in order for me to move in to said apartment, I had to pay a {$850.00} deposit as well as {$190.00} non refundable administration fee, plus the pro-rated amount for the first months rent. Upon the day of my move out I was charged an extra month of rent. They are unable to explain to me why I am charged for another month of rent and it shows up on the balance sheet given to me as " Other - Balance on Account ''. On top of that, they did not apply the {$850.00} security deposit I paid upon move in. One the balance sheet that was provided to me, it says " This is a notice of the landlord 's intention to imposes a claim for damages/charges in the amount of {$2100.00} upon your security deposit in the amount of {$0.00} due to : .... '' then it addresses the reasons. I I have made this very clear to PDM that the balance that they say I owe shows my security deposit as {$0.00} ; however, my lease ( that they have a copy of ) shows I paid {$850.00}. They have since acknowledged the mistake over the phone, but each time they send me " verification '' via mail, it says that they have sent me verification already and are not required to send me anything further. Copy of the lease and the balance I owe is attached.

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 2021-06-15
Company: EQUIFAX, INC.
State: TX
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:
I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: NC
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 Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Continental Finance Company, LLC
State: AZ
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 received my XXXX XXXX credit card : XXXX, when I called to activate the card, I was informed by a Continental Finance Represenative that she couldnt activate my card because my new phone number wasnt listed on the account, and it was their policy if your old phone number changed and you didnt have your new phone number on the account when you first applied for the credit card, then you have to apply for the credit card again. Thats illegal. They also charged me finance fees for a credit card they wont activate and I cant use. Thats also unlawful.

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 2017-10-24
Company: Experian Information Solutions Inc.
State: TN
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 did not authorize inquiries done on 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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.

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 2022-04-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I instituted an unauthorized wire transfer dispute with Citibank on XX/XX/22 when funds from my checking and savings account for checking {$6900.00} and savings {$20000.00} were wired from my account without my authorization. I received a credit refund for my full checking amount and denied the savings amount see letters from Citibank included in attachments. The synopsis attachment has more information. My issue is Citibank honored my checking unauthorized transfer and denied my savings.

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 2017-11-08
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Called XXXX XXXX XXXX to close my account on XXXX/XXXX/XXXX. I was told this was completed. Credit bureaus were notified of the account closure. Today I received a statement in the mail that I had an open account which they purchased from XXXX XXXX XXXX with a brand new account number. I never opened a new account with Elan Financial Services and my old account with XXXX XXXX XXXX was closed before the accounts were transferred. Opening new accounts for customer 's without authorization is unacceptable and I would like this account to be corrected to reflect the accurate information immediately.

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 2021-12-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX original creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$3500.00} I have contacted this collection company three times in writing to validate the Debt and requested HIPPA authorization, my signature in ink and they provided me with a list of some medical supply and procedures performed without my signature and claiming {$4500.00} where the document states XXXX balance. 
This Collection company violated Fair Debt Collection Practices ACT 16 usc 1692g : They failed to provide me with a signed signature in ink Failed to provide it is a violation 15 usc 1681 a ( b ) list of description based on payments violation 15 usc 1681a ( e ) reminder any factual information being reported is a violation 15 usc 1692e ( 2 ) ( A ) false or misleading representation They Violated The Public LAW 104191 SEC. 1177 Wrongful disclosure of individually identifiable health information. 
and they Violated my HIPPA Rights : I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: IL
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 still inaccuracies on my Credit report, which are 2 Chase Act # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.

Company response to consumer: Closed with explanation