BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
Company: The CBE Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a letter from CBE Group roughly 6 months ago, stating I owed money to the IRS. That is another issue in itself that has been in remediation. I responded to the CBE Group with a debt verification letter, seeking more information, including proof that they were the authority in collecting the supposed debt. I received a letter back, reiterating the amount I supposedly owed ( again, I had already been in talks with the IRS as well ). I wrote back to CBE Group stating that since they could not verify or validate the debt, as was requested, then I would not be paying. That last communication was in XX/XX/2021. Yesterday- XX/XX/2021- I got another letter with the supposed amount owed. The IRS is listed as a " creditor '' on this letter. I wrote a response letter, again asking for validation/verification of debt, and stated that I would be filing a complaint against them with the CFPB. CBE Group failed to previously validate this debt, and are again trying to collect. This time, the amount is roughly double the original amount due to " interest '' and " penalty ''. Considering they never verified the original debt, I do not understand how it has almost doubled. 

Some things I added to the response to this most recent letter : - The verified amount owed upon your first contact with me - The age of the debt upon your first contact with me - A copy of the agreement with your client that grants you- the CBE Group- the authority to collect this supposed debt - A copy of any signed agreement that I have made with the collector, or other verifiable proof that I have a contractual obligation to pay this supposed debt - A statement that the debt is assumed valid based on my initial written response You are also in violation of interest installments and penalties. Having failed to previously validate the debt, you can not continue to charge interest or penalties. Please also correct the total amount of debt to the time you made first contact with me, and also provide the total amount on the debt that I first requested validation of this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
lexisnexis wants new information I gave it to them I have never lived at XXXX XXXX XXXX XXXX the home during my investigation revealed that address belong to a XXXX an XXXX XXXX. This is the new information I have have them investigate ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been writing letters to this company for m ore than two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment history, proof of agreement which bears the signature of the alleged debtor showing that there had been an agreement to pay the original balance, letter of sale or assignment  from the original creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed a complaint against XXXX based on the fact they are violating my HIPPA AND FCRA rights by placing these unverifiable bills on my credit report and experian is also violating my rights by allowing them to verify debts that this company doesnt actually have the necessary documentation that they need to comply with fcra at all they have no right to access my ssn which is need to verify any collection they also do not have a contract agreement with me and their company or me and the alleged hospital they dont even know whats the reason of debt if any and yet experian is not helping the consumer they are instead helping the collector which is not what they are supposed to do how can they verify one collection but not the other that is impossible all accounts must be removed and remain removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.

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 2017-04-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX   XXXX ,  XXXX   XXXX , SOuth Dakota  XXXX  XXXX  XXXX   XXXX  :  XXXX   Citi VP   XXXX   XXXX  unethically CLOSED my credit  XXXX  card account when I explicitly advise d Citi to  close a different card  XXXX .      Cit VP   XXXX  has threatened to deny  me two merch ant credits towards annual fee payment. I was TOLD vi a Citi Chat I had 3 7 days after  XXXX   XXXX ,   XXXX  , to cancel with NO penalties.  XXXX   XXXX  denies and is a habitual lair on all topics.     I have a been told  by FOUR c hat focal the same comment and will attach another chat session b y CIti employee   XXXX .  XXXX   XXXX  LIED to me about listening to chat when CHAT is text.  XXXX   XXXX  is INCOMPETENT not knowing CITI.com web site problems repeatedly asking me what web is this?     Since the  XXXX  account was UNPROFESSIONALLY and ILLEGALLY closed I am about forced to use my Ultimate Reward points immediately and not via planned time frame for best deal, closure of account  XXXX . NEVER did I authorize closure of  XXXX  ... only inquired about 37 day option which I will show in chat  XXXX   XXXX  is SO DESPICABLE an employee she has BLOCKED me from CHAT but I have captured a chat session to prove  XXXX   XXXX  is a LIAR and I deserve until  XXXX   XXXX ,   XXXX  , to make a decision on account  XXXX .      XXXX   XXXX  is unethical, dishonest and unprofessional and  XXXX  costs be LOSSES of Airport Admiral Loung, Reward points 60 day window , Emergency road  service, fourth-night hotel payment, GOLF fees.      XXXX   XXXX  is a disgusting employee with NO PROFESSIONALISM.      XXXX   XXXX  closing BOTH accounts  XXXX  and  XXXX  ( NOT requested ) and caused me significant financial 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 explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a letter from Citi bank  on XX/XX/XXXX stating my late mother was owed {$450.00} and that i needed to send documents to retrieve these funds before it was forwarded to unclaimed funds in XXXX. I faxed them her death certificate along with other documents to prove who i was and a form that came with the letter. On XX/XX/XXXX i received another form to fill out and a request for her death certificate and copy of the first letter. I faxed those today along with original packet of documents sent XX/XX/XXXX and fax confirmation. I also mailed the same faxed documents certified mail today as well. This is absolutely rediculas that it takes them XXXX weeks to reply and instead of a check i received another request for the exact documents they requested the first time. citi bank abandoned funds dept XXXX Ref ID # XXXX. Her name was XXXX XXXX DOB XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 XXXX XXXX, have been trying to dispute these fraudulent charges on my credit report due to the XXXX breach. There have been several accounts opened and inquiries made using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}

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 2017-06-08
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: Account status incorrect

Complaint:
This complaint involves a  XXXX   XXXX  card with  XXXX    XXXX   or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I h ave allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and  XXXX  cards in the past and successfully paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
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:
Chase Bank indicated a charge to my checking account was made with my debit card on XX/XX/2021 in the amount of {$100.00} at the U.S. Post Office. The amount allegedly represented a {$1.00} purchase and {$100.00} cash back. I did not make this transaction and I disputed the charge with the Bank. They temporarily reversed the amount on XX/XX/2021 while they did their research.. On XX/XX/2021 they informed me the research was completed and indicated that I was responsible for the transaction and the charge was again placed on my account. I went to the Post Office who informed me that they do accept debit card transactions but only give cash back up to {$50.00}. I contacted the bank again ( local branch in XXXX XXXX ) and they said they had completed the investigation and the matter was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: AL
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:
This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX & Experian continue to break statute, U.S. code XXXX U.S. Code XXXX  - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX is a direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: AFNI INC.
State: GA
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:
AFNI, Inc sent a letter stating I owed them {$280.00}. I sent an initial letter in XX/XX/XXXX asking for validation with my signature ; they never replied. On XX/XX/XXXX AFNI illegally placed a collection on my credit report. I sent a letter XX/XX/XXXX and requested they remove it immediately as I have never had any business or relationships with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased appliances a t HH Gregg Store i n  XXXX , Fl. on  XXXX / XXXX /  XXXX   in amount of {$4300.00}. Purchased additional appliances on  XXXX / XXXX /  XXXX   in amount of {$1300.00}. On  XXXX / XXXX /  XXXX   went to store to schedule delivery date. Sign at store said store closing. Asked to have order cancelled and told by employee  XXXX   XXXX  that store could only give credit of {$2800.00} credit  as HH Gregg fili ng bankruptcy. Cancelled order for several appliances in amount of {$2300.00}.  XXXX  indicated remaining appliances would be delivered. After several promised deliveries were cancelled by  HH Gregg my  wife received a phone call  from HH Gregg saying  appliances would never delivered. Purchases were all made on HH Gregg/Synchrony bank credit card. Name on credit card was  XXXX   XXXX   XXXX , Account #  XXXX   XXXX   XXXX   XXXX . I have written Synchrony Bank on  XXXX  via  XXXX  certified mail and have receipt of delivery dated  XXXX / XXXX /  XXXX   by Synchrony bank. To date I have not heard from Synchrony bank regarding these disputed transactions as required per their instructions.Please call me to discuss.  XXXX   XXXX   XXXX   XXXX . 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 explanation
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made the payment on  XXXX   XXXX  i handed a check to teller the check was cashed and money was deducted from my account on  XXXX / XXXX /  XXXX   i recieved a call on  XXXX / XXXX /  XXXX   about a missed payment i returned the call  XXXX / XXXX /  XXXX   told huntington national bank that i had made the payment they wanted a fax of check front and back i went to my bank pnc faxed it on  XXXX  called huntington national to have them verify recieving it they said it would take a day to go through i called again on on  XXXX / XXXX /  XXXX   they was unaware of the fax then found it said it would have to be researched i called again  XXXX / XXXX /  XXXX   and was told that it needed researched i have given huntington natio nal 4 w orking days to repair my credit report and havent had it done yet i would like my credit history mended and account current

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
One Main Financial took  an automatic payment from my bank account and enrolled me into the ir Direct Pay pro gram. I never signed up this at any time and even made my standard payment to them a few days before my payment due date. I spoke and emailed the branch on Friday, the  XXXX  and told them they made an Unauthorized payment. Today, on  XXXX , I called the branch to inquire on the status of my returned payment. They told me they needed a copy of my bank statement showing me that they Debited the payment. I thought this was intrusive and quite inconvenient. I Never at any time signed up for automatic payments and now I am being inconvenienced because o f One Main  's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2021, I noticed that XXXX purchases had been placed on my Chase Bank account for the prices of {$990.00} and {$2600.00} paid to " XXXX XXXX '' and " XXXX XXXX '' respectively. I had never made these purchases, nor had I ever heard of the business the payments were made to. I immediately contacted my bank and was told that a telephone transfer had occurred on XX/XX/2021, in order to transfer {$5000.00} from XXXX of my accounts to the other, then these XXXX purchases were made immediately after. I informed the bank that I had not made these purchases, I was told they would give me back my money and I changed my account and password information and got a new Debit card. 
Believing the situation had been resolved, I didn't think any more about it. A few days later, the money was placed back into my account. I thought it was over. Today, XX/XX/2021, I awoke to find that the money had been removed from my account once again. I found out that my fraud claim had been reversed and the bank had decided that these charges were authorized. I never authorized these charges, I still don't even know what the company who charged me does or makes, and I was told there was nothing Chase could do about it because whoever made the phone call to transfer the money was authorized through their automated system. I do not know how this is possible, who called the bank, or how they knew enough of my information to convince the bank they were me. I am attaching to this report the statement made by Chase bank claiming they determined these charges to be authorized, despite them not having been authorized by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed inaccuracies on my credit file. TransUnion refuses to investigate instead writing to me to say they need proof of my address ( s ). I have verified my address ' 10 times in 10 years with a copy of my drivers license, utility bill XXXX XXXX PAID receipt. TransUnion sends this letter in an attempt not to have to investigate my dispute. I have a US Postal XXXX XXXX for 20 years and a physical address for 12 years, I have sent proof many times. Again today.

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 2022-04-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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