BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-20
Company: Aspen National Financial, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I wrote to Aspen national Debit collection to verify a debit, which they did. I wrote back and acknowledge my debit with an explanation of the amount of payments of could make and the amount owe according to my calculations. I stated that I was sending my first payment in good faith. I then stated that if they cashed my check and I did not hear from them, they had accept my offer. They cashed my check and I never heard from them again. In XX/XX/XXXX I wrote to say that I had paid my debt since I had received no communication, then about ten days later I received a notice from XXXX XXXX stating I still had a balance. Up to this time my original communication and all later was made through XXXX XXXX. In XXXX I resent for the third time my original agreement letter .Around the XX/XX/XXXX I received a phone message message fon Aspen Collections , so I returned the call. I spoke with XXXX XXXX and he said I owed so much money. I reminded him about my letter and he stated " we have received a lot of letters from you. '' He continued to say that they do not make any deals and I owed the money. I stated that they cashed my check and according to the terms of my letter, they made an agreement, and no one has ever contacted me. He Said " we have tried on numerous occasions to contact you. '' Not true! At that point I asked to speak to XXXX XXXX and was told there was no one there by that name. All my communication was sent to the XXXX XXXX with the same address XXXX XXXX called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I cantadd my pnc bank account to my XXXX XXXX XXXX account. I need to link them together in order to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, Experian, XXXX, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: MO
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 can not believe the unprofessionalism of the credit reporting agency Experian inwhom I've disputed the following accounts with, all to no prevail. It was written within the laws of the FCRA itself that if the creditor is bringing about allegations then these allegations shall be physically verified and me as the consumer has the right to the Method of Verification used. I've requested certified physical documentation of these unknown and unauthorized accounts reporting on my credit file. But then Experian only response is that they will not reinvestigate. This matter should be on file I've reported this some time ago when my information was stolen and compromised. I'm not sure what's more disturbing, someone using your information or a company ( Experian ) inwhom suppose to protect your information. I'm demanding that these accounts be not only removed from my Experian credit file but blocked as well. Please remove. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX  ) account showing charged off in the amount of {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Absolute Resolutions Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ABSOLUTE RESOLUTIONS I XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Credit Card Receivables Fund Incorporated
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XX/XX/XXXX who hired XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XX/XX/XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XX/XX/XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a XXXX XXXX XXXX XXXX ( XXXX office at XXXX XXXX XXXX, XXXX   XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX  to clear issue. Since XX/XX/XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XX/XX/XXXX my Bank Account have been garnished not allowing to touch account and I need to pay XXXX obligations. 
I received and email I need to contact the Law Office of XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired Law Office of XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court XXXX. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXX and now a new XXXX XXXX XXXX XXXX XXXX, XXXX is using The Law office of XXXX XXXX Texas Bar No. XXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX.Tx.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion, LLC showed my credit score to be XXXX on XX/XX/2021. On XX/XX/2021 my credit score dropped XXXX points to a score of XXXX. The only activity on my Transunion account was a request from XXXX/XXXX  to remove all information in regards to their account from my credit history. This request was sent to all three credit bureaus and should not have affected my credit score with Transunion. There was no information concerning any XXXX/XXXX  currently or history on my Transunion credit report. 
The other credit bureaus increased my score by approximately XXXX points after the XXXX/XXXX  removal. There was no negative credit information reported to Transunion on my account and no reason to lower my score.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts on my credit report that aren't mine.

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 2015-06-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
The promotional period ended but the credit card company did n't send any information regarding the fact that the APR was going to change. When contacted the company told that the promotional period end date was mentioned in the statement. There was no time to do an opt out of the higher APR and the CC has charged me around {$3000.00} as interest. As I am enrolled in paperless statements, there was no emails/paper statement send out to me regarding this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2017-01-23
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I applied for a re-finance loan with our current lender. Jumping through all the hoops that we have with them to get all the documentation to them in time to close, they have now requested that on the application, in the declarations sections we must check yes to XXXX and XXXX since we had a Short Sale. Then though we DID NOT have a foreclosure. They told us to do so or no loan.

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 2016-09-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citi closed my credit card and asked me to pay the remaining balance on the card. I did not receive any of the statements after the card was closed, and my access to online statements and online bill pay was blocked by Citi. When I called in, I was given no information on my account, and was told that I would receive a call back from a supervisor to discuss the issue within 1-2 days. I never got that call back. I was charged late fees and interest totalling {$50.00}, which I refuse to pay. I was told that I have to pay these fees because the statement was sent. Bottom line is, I did not receive any letters, statements, emails, notifications, texts, or communications of any kind after my account was closed. I was told by Citi that in order to get the fees removed, I would have to write a letter to the President. This is ridiculous and extremely disrespectful of my time.

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 2017-05-30
Company: USI Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USI Solutions called me ( a woman named   XXXX   XXXX   ) and tried to collect a Zombie debt from 2008 that was already settled with the original debtor.
I advised them of these and they threated to mark it as refusal to pay and would have a negative impact against me.
They provided False statements and representation ( trying to collect wrong amount, impersonated lawyer or government ) Attempts to collect debt not owe, No written notification was ever received Took or threatened to take negative or legal action.

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 2017-05-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized purchase of {$300.00} made via  XXXX  on   X/XX/17  ;  fraud report was immediately called to Chase Bank who reversed the charge ; after their alleged investigation, they recharged the account o n  X/XX/17  ;   n either Chase Bank nor  XXXX  are willing to provide information to verify said purchase ; Chase Bank claims that there is no further investigation pending on their part & that I must sue  XXXX  to recover my funds ;  XXXX  reports to me that this claim/investigation has not yet been finalized on their end and that they never told  Chase  that this purchase was a valid purchase made by me ;  XXXX  went so far as to give m e a city & state  that the goods were delivered to but would not provide the exact address ; both companies are pointing fingers at the other for at fault and neither has been helpful in resolving this fraudulent use of my debit card ; I have filed a police report for identity theft and have filed a complaint with th e AZ Dept of Financial Institutions, and the AZ Attorney General 's office

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a {$75.00} bill from XXXX XXXX from SIMONS AGENCY INC that is from XXXX. I live in XXXX and my parents live upstate where XXXX hospital is. I never received any mail or phone calls for this bill and neither did my parents. I will pay this {$75.00} bill but i would like to get it off the last 14 months of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: SHM Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, Strong Home Mortgage run a hard inquiry on my credit report without my consent lowering my credit score which could impact credit rate for a purchase I have planned for the short term. I got reached out via email by two employees asking me for more information to provide a quote, XXXX XXXX, XXXX & XXXX XXXX, XXXX. 
I didn't reply their messages since I was not interested anymore in getting a quota. However, they went ahead and run my credit report creating a hard inquiry without my authorization. 

XXXX XXXX NMLS ID # XXXX Senior Loan Officer Strong Home Mortgage , LLC Branch NMLS ID # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX, their calling from XXXX, saying for Wells Fargo, saying I owe them {$6000.00} from {$2000.00} because of interest. Haven't dealt w/wells fargo in at least 10 years, my wife does. Have no idea who these people are, received nothing in the mail. 

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, AZ 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2020-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Portfolio Recovery Associates has fraudulently placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company multiple times that this account is not mine as I have not signed a contract with them and the debt does not belong to me. This account is fraudulent and was made without my consent. They have sent no verification of debt or requested paperwork. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Portfolio Recovery Associates is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. This account need to stop reporting against my social security number and be removed immediately from my credit report.

Company response to consumer: Closed with explanation