BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and Midland Credit did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: JPMORGAN CHASE & CO.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I set up an account with Chase Bank online on XX/XX/XXXX, I was given a direct deposit form from the banks website that had a routing number that was no longer in use by Chase Bank ( XXXX ). I was told today that this routing number has not been used since XXXX of XXXX. Chase bank sees the direct deposit in their bank under the above routing number and the proper account number. Even though they admit their are are in error they are telling me the earliest I may see my money is XX/XX/XXXX or after. This is causing a financial hardship on myself and my family. I do believe by Chase bank providing me incorrect information is a form of fraud on there part. The routing should have been removed from their website when it was no longer and use. I also feel that when I spoke with Chase Bank on XX/XX/XXXX the money should have been put into my personal account since this was an error created by Chase Bank, and not making me wait tell Chase bank gets around to fixing the mistake at their convenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-14
Company: FlexPath Capital, Inc
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX, I tried to get Flex Path Capital ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX ) to voluntary repossess my car but my account manger would not follow up on my request. In XXXX XXXX, I was about to trade the car but I was unable to due to my credit score with the late payments. XXXX XXXX, I mailed a request in writing to get my car repossessed and left voicemails on XXXX phone. The car was eventually towed by my apartment complex after she also spoke with XXXX who thought I just didnt want to pay for that car and he was advised it was stilling for several weeks without tags. I told the complex manager I was trying to get Flex Path to pick up the vehicle, but they never did and the complex towed it. In XXXX of XXXX, i purchased another vehicle and was advised that the loan with flex path was charged off. I sent another letter on XX/XX/XXXX, letting them know I have received emails from the Recovery department and on my credit report the loan is still open. I havent made a payment since XXXX and the loan is still reporting late payment 150+ days late. In XXXX of XXXX, when I received an email to contact this company about a settlement. The discussion for heated because the {$8400.00} thats on my credit was now over {$13000.00}. The original company ( XXXX ), I got my car from owner was indicted on federal charges for fraudulent schemes in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX, Reported : XXXX XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2023-10-10
Company: LEXISNEXIS
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis Risk Solutions Consumer Center is reporting FALSE information & now our insurance company ( XXXX ) wants to drop my husband because of it & other companies are hiking up the prices from it. We received a notice of Nonrenewal from our Insurance company a month ago. We've spent the past month with our Agent contacting the Colorado DMV and Driver 's License Office and XXXX XXXX Court. Everyone has told us that LexisNexis Risk Solutions Consumer Center has reported false information. We've attempted to contact LexisNexis Consumer Center 3 times to dispute this incorrect information with all our correct documentation proving them wrong. They sent us a letter stating they denied to change their information stating we didnt have documentation. We sent them proof of identity & address, the Nonrenewal notice from our insurance company with THEIR name LexisNexis Risk Solutions Consumer Center listed as the reporting agency on it, and an Official Colorado 7yr Driver Record. We went on to the XXXX  website and EVERY comment/review was about dealing with the same problems with LexisNexis Consumer Center that we are dealing with right now. We also filed a formal complaint with the FTC. This company should NOT be allowed to stay in business!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 SPS ( Select Portfolio Servicing ) performed an " Audit '' of my mortgage account as documented by notice. Following the " Audit '' the account was paid in full with an escrow balance. The notice they sent claims the previous servicer of the account, XXXX XXXX XXXX XXXX, overcharged interest rates on the ARM, improperly adding a floor rate cap. An overpayment of {$34000.00} on an original {$48000.00} mortgage occurred. The ARM interest charge apparently had been wrong since possibly the inception of the loan, but the lender will not give the borrower the specific loan details over the lifetime of the loan. The most recent interest rate adjustment by SPS was incorrect as documented by notice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
A XXXX credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. XXXX credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.

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 2023-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting non mailable addresses. I am now opting out of quifax reporting any addresses other than my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MI
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1300.00} PRICE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I had my credit run and on the report there was a Collection Item. Quality Asset Recovery in the amount of {$1700.00} with a date of XX/XX/XXXX. In an attempt to get this item removed from my credit, I contacted Quality Asset Recovery to find out who this money is owed. I talked to XXXX XXXX at ext. XXXX, she told me it belonged to XXXX XXXX XXXX and had a service date of XX/XX/XXXX. I then looked up XXXX XXXX XXXX to find out which doctor I may have seen in XX/XX/XXXX. It was Dr. XXXX XXXX. I can't imagine why I would have a bill in this amount when I have always held medical insurance. I have made many attempts to contact his offices. He had two offices. One in XXXX, PA and the other in XXXX, PA. The phone continues to ring with no answer, no voicemail and/or I receive a busy signal. I have not been able to confirm that this debt is accurate. I've come to learn that this doctor had his license revoked. How can I handle having this collection removed from 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 2023-01-26
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: Convergent Resources, 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 information incorrect

Complaint:
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to CONVERGENT OUTSOURCING along with Exhibits stating violations per USC 1692d ( 1 ). CONVERGENT OUTSOURCING is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.

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 2021-01-14
Company: HCFS Healthcare Financial Services of TeamHealth
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 information incorrect

Complaint:
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to ARS Account Resolution along with Exhibits stating violations per USC 1692d ( 1 ). ARS Account Resolution is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.

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 2021-01-04
Company: Total Card, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my card on or about XX/XX/XXXX. At the time I closed the account I had a credit of {$280.00} and was told the credit would be issued within 30 days. On or about XX/XX/XXXX I reviewed the monthly statement and saw the credit reflected in the balance. I called the help line and was told that there were still two days remaining in the thirty days from when I had closed the card. On XX/XX/XXXX I called again after checking my account online and seeing the credit still reflected. I was told that a a request had not been made to send the refund check. I formally requested the credit at that point. I also requested to speak with a supervisor to ask that the request be expedited. I was told these requests take 30 days. I called again on XX/XX/XXXX. And spoke with a representative named XXXX who saw that the request had been submitted on XX/XX/XXXX but had not been expedited. She claims to have submitted another request and requested that it be expedited. I feel this company is stringing me along. If I owed them nearly XXXX dollars I am sure they would not be so complacent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX This request can not be processed online. XX/XX/XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account NameXX/XX/XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XX/XX/XXXXXXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXXXX XXXX Payment History Account NameXX/XX/XXXX Account NumberXX/XX/XXXXAccount TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off. 
Status UpdatedXX/XX/XXXX fcra violations not mine remove it XX/XX/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for an auto loan on Friday, XX/XX/XXXX with a local credit union where I live. They were unable to pull my Equifax credit report as it was " frozen ''. I tried to access my free Equifax report through XXXX and the Equifax website and both said that my credit report could not be pulled. I tried to resolve the issue using the Equifax chat customer service line, which directed me to call in to their customer support. So I called into customer support, sat on hold for 30 minutes, and spoke with a man with a thick, hard to understand accent who told me that I answered his extremely difficult to understand questions incorrectly and to mail my SSN, driver 's license, two forms of ID, and a cover letter to the Equifax dispute center. The main issue here is that I have never frozen my credit or requested that it be frozen. Until today, I have not visited the Equifax website or called into Equifax customer service. I would like my credit unfrozen immediately as it is hindering my ability to get an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Credit Corp Solutions Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have medical bill on credit about XXXX never had XXXX on my XXXX or in years. When called credit Corp they contact original place. Credit Corp clles bck an told me it wasn't mine. It was a males a XXXX birthday day an my signature was not on papers. I never got request on papers showing me how I'm am suppose to pay for debt. Credit Corp never sent me anything tht I am reliable. I have a data breach letter that my info was hack. For a debt that isn't mine. I get to deal with all this extra with out provide documneta I'm ontitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a check for a withdrawal from my XXXX XXXX retirement account. Chase was the account XXXX used. I tried to cash the check and Chase refused to honor the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-05
Company: DISCOVER BANK
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a Discover loan on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXXXXXX XXXXa attorney in fact For ; XXXX, XXXX

Company response to consumer: Closed with explanation