BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX I have been calling Transworld systems Inc to have a debt of {$4300.00} removed from my credit due to an eviction. I have never lived in the apartments that forwarded this debt. Transworld requested documents from the apartment via email and have not received anything. A representative stated in XX/XX/XXXX they reached out to the XXXX landing apartments and have not heard back regarding the requested information. I called again on XX/XX/XXXX, was told the same thing again : we have submitted a request to the company and still waiting for a response. 6 months and this has not been removed or answered. I cant even get a home for my XXXX kids and I because this is on my credit. Please ask them to stop stalling and remove this from my credit since the original owner of the debt has not sent requested documents in over 90 days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: OH
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 disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. XXXX has refused to remove this account from my credit report and Equifax as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If Equifax and XXXX does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-06-05
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
AFFIDAVIT OF TRUTH XX/XX/XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT : XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : The Truth in Lending Act is intended to inform consumers about the cost of credit. The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( D ) ( XXXX ). the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
Addition on XX/XX/XXXX Midland Credit Management stated this account was Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Pursuant to 15 USC 1692 ( a ) ( 3 ), I am the consumer. On XX/XX/XXXX, I sent two provisional payments to Chase via Remittance Coupon for two accounts, XXXX and XXXX. These payments were also sent with a money order, in the amount of the Stamp Duty that was owed. On XX/XX/XXXX, I received a letter from Chase stating that the payment can not be applied to my account because it contains a conditional notation. Chase sent me back the two money orders that were labeled Stamp Duty, however they did not send back the remittance coupons. They kept both of the coupons without adjusting my amount. 

I spoke with a representative from Chase and made him aware of what was happening. I was told to send the next remittance coupon to their Payment Headquarters : Chase Card Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

I, again, sent out two remittance coupons on XX/XX/XXXX to the address above, and I did not receive any correspondence regarding the provisional payments, and Chase is still expecting payments on XX/XX/2022 for the card ending in XXXX and XX/XX/2022 for the card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I  requested a validation on XX/XX/XXXX as there was an account listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as CMRE had not responded and the account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX XXXX Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belong to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called the BMO Fraud Department on XX/XX/XXXXto file a dispute on several transactions from merchant XXXX for {$510.00}. Then the Merchant XXXX XXXX XXXX XXXX NY, for a total of {$1100.00} ; their protocol is the Claim is open for 45 Days. If the Merchant Responds, they then would call me to discuss further options ; it has been more than XXXX Calander Days and XXXX Business Days, and I have never received a call from BMO nor a Voicemail, so I am under the impression the Merchant did not respond, so as per BMO protocol after 45 Days with no response the Claim would be closed in my favor. I have yet to receive a credit for these transactions.

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 monetary relief
Consumer complaint received 2023-02-21
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
i open an account at XXXX XXXX they are with TD bank, my identity social security was compromised and someone charged on XX/XX/2022 an amount of {$3700.00} i called the credit card and dispute the charge but they want me to paid for something i dont charged. also someone at store stole my social and open accounts in my name, they should investigate more to see who its doing this to me and protect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: EQUIFAX, 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:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: VW Credit
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
First, Audi closed my accounts and reported it to the creditors that the account was paid and closed. My name was forged on deferment payments I have asked them to provide proof of my signature this representative had me to send her {$500.00} to defer my loans which is unethical. This company should be fined for scamming their customers out of money during covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Response to Complaint ID XXXX Submitted XX/XX/XXXX Bank of New York response XX/XX/XXXX Can you please provide : Exact dollar amount : {$4100.00} Reference numbers : Bank of NY has a assigned no reference # to this case Transfer to : Bank of New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. 
Routing # : XXXX Transfer from : XXXX  XXXX XXXX account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Trace initiated by XXXX  XXXX XXXX XX/XX/XXXX Description of complaint below : I initiated an on-line transfer of {$4100.00} from my XXXX  XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. XXXX  XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX  XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX  XXXX XXXX escalated the case to their fraud department and I was informed by XXXX  XXXX XXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX  XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: SC
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:
Inquires on my credit report does not belong to me and I didn't give authorization.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXDEPT OF EDUCATION/XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-09
Company: Cascade CISS Holdings, LLC
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Dispute of Fraudulent Use of Personal Information in Violation of Congressional Fair Credit Reporting Laws I am writing to formally dispute information on my credit report that I is the result of fraudulent use of my personal information without my verbal or written explicit authorization. I am deeply concerned that this issue is in violation of the Congressional Fair Credit Reporting Laws, specifically the Fair Credit Reporting Act ( FCRA ). 
The fraudulent information I dispute is as follows : XACTUS  I have never authorized any individual or entity to report this information on my consumer reporting file. I request an immediate removal. As the FCRA mandates, I am entitled to a fair and timely resolution of this dispute. 
According to the FCRA, you are required to : Conduct a reasonable investigation into the disputed account. 
Notify the creditor involved in the dispute. 
Correct or remove any inaccurate information from my credit report within 30 days. 
Thank you for your prompt attention to this matter. I expect a timely and thorough resolution of this dispute as required by law. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. 

PORTFOLIO RECOV ASSOC XXXX Date opened XX/XX/XXXX Account type Debt Buyer These XXXX accounts were opened with XXXX XXXXXXXX in XXXX, its well over the 7 years that it can stay on my report by law, yet this company has bought the debt and is continuing to report it as a collection. 

Please remove this from my credit report. It is continuing to hurt my credit. The 7 years has not passed. Please remove this from report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX  XXXX - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am trying to access my credit file via myequifax.com. I try to login and get a message that tells me I can not login and to contact their Customer Care Team. Ive called multiple times since XXXX and all they tell me is that they have to escalate my issue to a backend team but no follow-up occurs or resolution. 

Post last complaint filed, they stated they need to verify my identity to provide access. I've since provided the requested information via mail and email ( XXXX ) with no response or updates. This is ridiculous and should be a simple fix yet no one is responding from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Affirm Holdings, Inc
State: AZ
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:
I filed Bankruptcy in XX/XX/2019 but changed my mind and the case was dismissed. Affirm still lists the status on my account as " Debt discharged in bankruptcy '' - I filed a dispute with XX/XX/XXXXand Affirm stated the status was correct. I spent almost an hour trying to pay off the remaining amount with Affirm and at the end of the call they stated that I was in Bankruptcy and would not accept a payment. This is getting ridiculous.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation