BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-21
Company: Square Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Recurring charges from Square XXXX showing up on my XXXX  account statement even after being issued new cc # by bank. 

1st charge showed up on XXXX  cc acct : XX/XX/21 {$84.00} amount was disputed and reversed, cc # was replaced by bank 2nd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} amount was disputed and reversed, bank rep put a block on company to stop any further future charges, cc # was replaced by bank 3rd charge showed up on XXXX cc acct : XX/XX/21 {$57.00} I have not yet disputed amount with bank yet, but spoke with a fraud claim rep that I go to the company site which has a form to pull up receipts of charges processed with them. Also, the rep says that it looks like recurring charges and they have no way to stop the company from charging again since it's coming from XXXX that's allowing it to have uninterrupted service, XXXX will just update it with the new cc #. Rep says they aren't able to contact XXXX and resolve it either. 

I have contacted the company but only thru a message advocate ( by online chat/messaging ) and he told me that I had to file a police report and then go to their online page to file a " law enforcement information request form '' ( https : XXXX ) for that team to investigate the situation. 
Within the chat window, I sent the rep screenshots of the 3 separate charges from my bank account that showed the trans date, card type, trans type, merchant description, merchant info, ref #, merchant name, etc. of the charges. The rep looked into the info sent but said he couldn't block/close the account that's charging my card but only the team that deals with the law enforcement would be able to do it. 
I have copied all the text in the chat transcript for my records. The rep sent me a copy of the transcript but it's in a format that's unable to open up on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: CITIBANK, N.A.
State: MA
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 notified XXXX back in XXXX XXXX XXXX that they were reporting inaccurate, unverifiable, fraudulent account. The fraudulent account that they are reporting on my consumer report Macys, I sent a FTC report along with a 609 ( a ) 1 ( A ) letter advising the describing of the user and accuracy and completeness of the information is herby requested with-in of completion of investigation. There was no proof of the alleged idea, specially the contract, note or other instrument baring my signature. Under federal law, they had 30 days to complete the investigation and fail to provide me with those instruments verifying the validity of this information. This item must immediately removed from my consumer report. 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 2017-04-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with Penny Mac. My husband lost his job. We requested a hardship loan modification over three months ago. They stated that they are processing it. We are worried because we are not hearing anything from them. XXXX They are still taking the payment out of my account, yet they are reporting us late on our credit file. I do n't know where else to turn. Can you please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Consumer initiated formal dispute via certified mail with return receipt XXXX, requesting debt validation, as defined by the XXXX Agency has considered investigation complete and disputed account ( s ) " verified '', however ; inaccurate and unauthorized data is still being reported on the consumer credit report, causing great harm and oppression to the consumer and their family. There has been a persistent failure to comply with the requirements of debt validation by both the debt collector ( s ) furnishing the inaccurate information, as well as the Credit Bureau for allowing this unfair practice to impair my reputation and rightful access to consumer credit.

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 2021-11-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CREDENCE RESOURCE MANA, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. CREDENCE RESOURCE MANA HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. CREDENCE RESOURCE MANA REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: State Collection Service, 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:
Hi, My name is     XXXX   XXXX     and this debt of {$30.00} was a medical co-pay from  XXXX  /   XXXX   when I had back surgeries. I was never notified and have no clue when this collection agency has put this derogatory remark on my credit report. When I called them, they tried to multiply the {$30.00} co-pay that was paid by a entire year and said I now owe {$360.00} and that 's what they wanted. I 've never been without medical insurance and never had a problem in the past with a co-pay, but they are impossible to speak with, rude, foul and unreasonable. I 've asked them several times to please validate the dept and that they ca n't do! Can you help at all, there was a link from creditkarma to your web site? Here is a copy and paste of the derogatory remark, which destroys my credit report. It 's not reported to  XXXX  or  XXXX , only reported with  XXXX . Thank you,   XXXX   XXXX    XXXX  my e-mail These are the collections accounts that are reported as open on your credit report.   Agency Open   XXXX   Balance Open Equifax Balance STATE COLLECTION SERVICE , INC {$0.00} {$30.00} 0 accounts reported on    XXXX   XXXX   XXXX    1  account reported on    XXXX   XXXX   XXXX    This agency did not report an open account to this bureau.   Open Account  # 1 {$30. 00} Balance  XXXX   XXXX  Original Creditor {$30.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consumer disputes this account information Medical Remarks Note See something wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company refuses to provide proof that any of the XXXX debts they claim they purchased are legitimate. I have had XXXX different process servers show up at my doorstep as a result of this company on over XXXX XXXX occasions with my personal financial information and potentially reputational damaging information exposed to all XXXX process servers. They have to follow privacy laws like every other company with regards to information like that. My information was not protected and illegally purchased. I receive a notice indicating that I had been sued when I hadn't even received a summons. It had been delivered to a neighbor. I have tried disputing all XXXX items with the credit reporting agencies without success and even with documents, videos and photos won't allow me to upload the evidence. Customer service with XXXX, XXXX and XXXX XXXX are practically non-existent and useless. This company grossly violates privacy rights and debt collecting practices yet they're still allowed to do business. Note how each person is holding the summons in the open, not in an envelope. I learned what they were from a business card that was left by the process server. Again, none of it was obscured from the 3 party and was actually given to a neighbor without an envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: DC
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:
They violated my right under 15 u.s.c. 1681 section 604 a section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts written permission to furnish these accounts on my credit report.

In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on It ) you have on file of the accounts listed. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove this collection. I demand the following accounts be verified or removed immediately from my Experian, XXXX and XXXX credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX {$8600.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX tx XXXX ( XXXX ) XXXX {$1600.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX {$350.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX {$1900.00} hard inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: United PanAm Financial Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
The Credit Bureaus stated Account Name & Account #, was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate. and the date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Exeter Finance Corp.
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:
I Received my credit report showing a inquiry from Exeter Fin on XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I Received my credit report showing a inquiry from XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This complaint is against Bank of America.. 
Reason is they closed my Checking/Savings account on XX/XX/XXXX. I opened the account on XX/XX/XXXX with BOA ... I opened checking with cash of {$60.00}, I also opened Savings at the time with the amount of {$100.00} in cash..On XX/XX/XXXX I went to BOA in person to a cashier on the inside..I depostied {$480.00} into my Checking account with cash ... Everything was going good until I started transferring money from my XXXX XXXX XXXX XXXX XXXX account to my BOA account through XXXX... Which I was allowed to do, I even varied with both bank before I started it..My first transaction from my XXXX was on XX/XX/XXXX for {$100.00} into my checking account, on the XXXX of XXXX I sent another deposit into my checking once again..for the amount of {$150.00} ... I started transferring money this way because I was tired of having to drive all the way across town plus I was dealing with medical issues at this time..Anyway ... I should not be penalized because i was using the services that were available to me... They stated on the phone when I have called the Risk number multiple times way to many to count they said the bank stated that they couldn't prove it the money was mine ... Which it was as I have stated... I will attach the proof once I am allowed to ... When I have called numerous times also they said I was not allowed to submit my own paperwork showing proof that is was my money ... Let alone that should not matter if someone gave me to get by at the time... But anyways I received money from a lawsuit and also from back XXXX told BOA I was going to put money into that account when I received my money... Which I received them in XXXX and XXXX... I had over {$130000.00} in my NF account ... Which is none of BOA 's business what money was in my NF account at that time XXXX At they need to worry is that money cleared my account... Or at least call me and ask for proof..Which they did not nor did they let me submit my proof or information after they closed my account... I was told over the phone that they will do " Their own investigation '' as they see fit ... I have been dealing with this since XXXX of this year... I have not received a decision or my money back from them ... which they stated I would receive in XXXX days ... Now it has been 7 months ... This is total... XXXX.. I need your help please...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loans transferred on  XX/XX/XXXX , {$13000.00}. Utah  Higher Education Assistance Authority  added ( {$13000.00} ) to my outstanding balance above. See attachments. All  four  loans fixed interest rates are   XXXX   %.   1.  XX/XX/XXXX -balance {$2000.00} ( monthly payments ( {$31.00}  )  unsub loan 2.    XX/XX/XXXX -balance   {$2200.00}  ( monthly payments ( {$33.00} ) sub loan 3.    XXXX  - balance {$4500.00}  XXXX   monthly payments ( {$63.00} ) unsu b loan 4.  XX/XX/XXXX - balance {$2400.00}  ( monthly payments ( 37.05 )   sub loan Monthly principal payments on each individual loans plus the accrued interest is added. Paying more towards each principal balances are not being applied correctly towards all four loans. There 's know way my accured interest is higher then each individual loans. They are applying my extra principal payments towards interest that I have not been accured yet. I have repeatdly ask them to correct my payments and apply my principal payments to the principal balances. My  XXXX  payment in  XXXX  of {$340.00} was applied towards interest and not towards my principal balance. On  XX/XX/XXXX , I wanted to pay off loans (  XX/XX/XXXX  unsub ) and (  XX/XX/XXXX  sub ) I was told I could not pay off my student loans individually in full and that the payment would apply towards the entire balance. I toldd them that I had the right to pay off my small loan balances. The representative said its their policy to split my monthly payments towards each loans and that if I paid both those dollar loan amounts it would not be applied towards thos e two loans  but split payments towards all loans leaving both loans outstanding balances. Where does it say or state that a graduate student is n't allowed to pay off some of their multiple loans? Also I requested that my standard repayment pay off debt be changed from  XXXX  to  XXXX  so that these loans could be paid off sooner. Also refusing to send me copies of all paper work they received from  XXXX . I have not received any statements they received that itemized my all my payments since  XXXX - XXXX . Overall, my monthly payments are not being applied correctly and monthly accrued interest is being over paid when I have not missed any payments since Utah  Higher Education  Assistanc e Authority a ssumed my  four  students loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried reaching out to the company and they said they did update the XXXX bureaus but still showing all XXXX fed loans open when they were paid in full. I do have the letter dated XX/XX/XXXX th 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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: Information belongs to someone else

Complaint:
I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my l ast 4 ss #  on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks

Company response to consumer: Closed with explanation