BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am a Citi Thank you XXXX user. My card seemed compromised XXXX XXXX, 2015, and I requested card replacement with new account number right away. I needed instant replacement, because I pay my bills and use this card for all purposes with my XXXX other family members. As of today, I have been waiting for 11 days since XXXX, however, I have n't received my replacement card yet. So I contacted customer service to acquire the tracking number for my new card and they replied me back as below. 

We appreciate the opportunity to assist you. 
Our records indicate that your card was sent on XXXX/XXXX/15. If this card is not in your possession, we can process a security closure of this account. For proper security measures and a new account number, please contact us. 
If there is any way we can be of further assistance, please feel free to contact us Citi Card shipped my replacement on XXXX?! I assume the rep should n't be trained to advise customers with that way. There is no apology, and the rep is telling me to replace the card again. He/she does n't get my point and does n't care how inconvenient I, their customer, am with this credit card. 
I do n't know how to reach there supervisor, so I 'm posting my complaint here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CMRE Financial Services, Inc.
State: CA
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 reached out to CMRE Financial Services on XX/XX/2021 with a debt validation letter for XXXX derogatory marks the company has on my credit report history and they have failed to respond. They have not removed the derogatory marks from my credit report despite being unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened a high yield savings account with Lending Club. Feel they were misleading. After opening account found there was a {$5000.00} transfer limit per day on account. This was no good for me. Called several times to close account. Was told they could not close until initial {$100.00} deposit was in account and then they would close with no problem. Called XX/XX/21 after waiting a week to make sure initial deposit was in account. Account # is XXXX. {$100.00} was in account but they are still refusing to close account. Asking me to mail them documents to close account. I didn`t have to mail them documents to open account. I have other online savings accounts and never had to go through this aggravation. Every time I called them felt I was getting the runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone, somehow accessed my bank account and withdrew XXXX dollars. Chase Bank has refused to refund it and I have tried to contact them to no avail. I'd like the camera footage pulled from the ATM accessed to illegally withdraw my XXXX dollars on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2022-05-15
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
During the time of XX/XX/XXXX, I purchased a car from XXXX, using an extension of credit from my cestie que vie trust. Signed a bilateral contract between XXXX and the beneficiary of the trust. XXXX of XXXX, I began receiving harassing calls from BRIDGECREST about an alleged debt. I have sent Bridgecrest several debt validation requests since XX/XX/XXXX. Upon receiving information that the original creditor is XXXX, I requested a debt validation from XXXX to which XXXX responded saying they were unable to validate. Therefore, if XXXX, the original creditor is unable to validate the alleged debt, BRIDGECREST is unable to validate the alleged debt, how then can Bridgecrest claim the debt has been validated? How was the alleged debt validated to be reported negatively to my credit reports? If indeed, the alleged debt is valid, what were the steps taken to validate? Bridgecrest has provided documents that show that Bridgecrest is not listed on the original contract nor does the original contract show Bridgecrest as a signing party to the contract. Therefore, how can Bridgecrest claim they are a party in the contract and how did Bridgecrest obtain my private information? I never consented for my private information to be solicited and bought on back door deals in which I have no knowledge of, this is clear evidence of IDENTITY THEFT and evidence of FRAUD IN THE FACTUM. Bridgecrest has claimed they are the account servicer but has failed to provide evidence of this statement in the original contract. This is another clear evidence of false and misleading statements which is a violation of 15 USC 2B 78ff, which is subject to fines of {>= $1,000,000}. Furthermore, Bridgcrest and XXXX has violated my consumer rights and my privacy rights which are a violation of 18 USC 1028A, and to add, Bridgecrest is furnishing and negatively reporting collections attempts which is another violation ; 15 USC 1692d ( 4 ). At this Time I invoke my right to rescind any alleged contract with Bridgecrest and XXXX pursuant to 15 USC 1635. I have been damaged and demand remedy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSWORLD SYSTEMS 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:
A company called Transworld Systems Inc. sent me a letter in the mail claiming I owe {$560.00} to the OKLAHOMA TAX COMMISSION. 
I looked up this company and everything that comes up about them looks like they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
JPMCB -XXXX : Chase is reporting erroneous lates on my credit report file. I was set up on a hardship plan where they would automatically draft my payments ( monthly ) on the XXXX of each month. I should not have any late payments. This is an error on their behalf. I have tried contacting them several times to fix this issue. They said they would and still have yet to do so. This needs to be fixed immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I XXXX XXXX and spouse suppose to got a stimulus check through the card we check the government web and they deposited the Funds on XX/XX/2020 we never received a thing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Kingston Data & Credit International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This gym named XXXX XXXX is accusing me of signing up for there gym and continuing to work out which is false! I never signed up for the program there talking about and now they have passed my debt to a collection agency which is trying to get money I dont owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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 accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: GA
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:
1 : XXXX XXXX XXXX XXXX XX/XX/2021 ( Ive contacted this company to remove inquiry but to no avail. ) 2 : XXXX XXXX Used Cars- inquiry from XX/XX/2021. 

3 : XXXX XXXX XXXX inquiry from XX/XX/2021 4 : XXXX XXXX inquiry from XX/XX/2021 XXXX : XXXX XXXX XXXX- inquiry from XX/XX/2021 XXXX : XXXX XXXX- inquiry from XX/XX/2021 7 : XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 8 : XXXX XXXX XXXX- inquiry from XX/XX/2021 9 : XXXX XXXX XXXX inquiry from April 2021 10 : XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
they sent letter of fraudulent misrepresentation and illegal collection activities

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 2020-04-19
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2016-03-27
Company: Capital Management Services, LP
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Capital Management is servicing a loan that I originally received from XXXX that purchased the loan ftom XXXX. The loan is currently in default. I was contacted by Capital Management exactly once on the phone. Since that contact they have proceeded to harass the cosigner of my loan with repeated phone calls to her job. In addition to being spiteful and unnecessary the cosigner of my loan XXXX XXXX XXXX XXXX XXXX. Their attempts to humiliate my cosigner in front of her employer are shameful, but tying up the main phone lines of a public elementary school is just reckless. I 'm reporting this incident because the last time I was harassed by a student loan company I reported the incident to the Consumer Finance Protection Bureau and the harassing phone calls stopped within days and have not resumed in the intimidating fashion and frequency they did prior. The cosigner of my loan, my mother, needs your help as do the rmployees and students if XXXX XXXX XXXX. Please take whatever legal action is possible and necessary to hold Capital Management accountable for their intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am going to be mailing in a complaint about Advantage Financial Services, a collection company in XXXX, ID. They have in the past tried to collect medical bills from my wife and minor daughter. They also violated other parts of the FDCPA. I have discribed each violation and will including all the and supporting documents. What am looking at now is robo-signing by Advantage Financial and their attorney has to know what they are doing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you amd i didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment on XX/XX/XXXX. It was not applied, in fact it was returned.

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 2021-11-19
Company: Bilateral Credit Corp, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled on a judgment in 2007. The same company has filled the same judgment seized my XXXX account for the exact same judgment. 
I suspect that is happening to other people who dont know. But not limited to people who died from XXXX and its variance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}

Company response to consumer: Closed with explanation