BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: Avant Credit Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and XXXX and have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect t
o any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2021-10-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
IN 2020, Covid-19 happened. Forebearance programs were offered by the mortgage companies, including Mr. Cooper, in the name of the lender, to help homeowners. 
At the end of the forbearance program there were certain ways to pay back the amount owed. 
1/loan modification which deferrs payment - 2/ lump sum payment of all of the monies owed - 3/ payment plan. 
I have an excellent mortgage, and a modification could not be found. 
I was then offered that I pay, a lump sum ( {$35000.00} ) or lose my home. I was to pay off {$7200.00} of the XXXX - having to borrow money. I asked for a payment plan of 12 months. 
I was offered a 6 month payment plan ( because the only alternative is to lose my home ) so instead of {$2300.00} per month- i now have to pay {$6200.00} per month. 
on what planet is this logical!!??!! i asked for forbearance help because I NEEDED FINANCIAL HELP. 
WHERE DO THEY THINK I CAN COME UP WITH AN EXTRA {$4000.00} EVERY MONTH??? 
I am only asking that the plan be extended to 12 months, so instead of {$4000.00} I have to come up with an extra {$2000.00}, ( which i can handle ) I want to stay in my home! 
Please see the logic, simple logic in this. I do not mind paying interest on the amount I owe ; I plan to keep my house and do want to pay off this debt. I am only asking that the terms be extended to 12 months instead of 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
On XX/XX/2023, two charges were made on our credit card, using a " XXXX '' machine. Both charges were in identical amounts of XXXX XXXX ( or {$4200.00} total ) to two businesses located in XXXX. On this date we were traveling from XXXX to XXXX, using rail service. We learned of the fraud charges after returning to the US and receiving the credit card monthly statement. We immediately reported the fraud to Barclays. The company initially responded by reversing the charges on XX/XX/XXXX. We told the company that we still possessed the credit cards, and they issued new replacement cards. Following their investigation, they reinstated the charges on XX/XX/XXXX. On XX/XX/XXXX, we received two contradictory letters from Barclays, one saying we were not responsible for the charges, and the other saying we were responsible. On XX/XX/XXXX, we mailed a letter to Barclays sitting out our position of why the charges were fraud and how our credit card was out of our view on separate occasions on XX/XX/XXXX. On XX/XX/XXXX, we received another letter from Barclays, confirming their decision that the charges were valid and we had a responsibility to pay. We still dispute this decision. We note that a " XXXX '' device is hand held, some small enough to fit in a pocket, and easily used for fraud. We received no impression from Barclays that they actually investigated the two companies located in 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 2023-10-10
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: LJ Ross Associates
State: VA
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:
Pursuant to 18 USC 8, I owe no debt, This company ( L J Ross Assoc ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Citi Bank / Best Buy credit card opened without consent. 
I am being charged {$39.00} per month in late fees for a card I did not consent to open.Went to Best Buy to purchase a XXXX  reader for my phone. The associate recommendedI purchase a usb to save information from my phone because the XXXX  was not working. Left my phonewith the associate for about 3 hours to download information to the usb. While waiting I picked up pretzels and batteries. I needed to leave after 3 hours. They mentioned that they were charging me {$190.00} and had me sign papers. I asked how I would pay since I did not want a credit card. I mentioned to them that I do not see well and could not see what they were having me sign. I mentioned to them that I did not want a credit card several times. I asked them if I could pay {$100.00} and pay the rest over time. They mentioned that I did not have to pay. I was under the impression that I was payingfor the items in increments over 18 months. When I got home the XXXX  did not work and the usb was blank. 

Compaint against : Best Buy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois. The credit card comes from Citi Bank/ Best Buy Thanks in advance for your help with this matter.

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 2018-10-14
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made many attempts to remove debt collection company JH Portfolio from my XXXX, XXXX XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of { {$730.00} } and { {$1900.00} } for several months. I have messaged JH Portfolio several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay JH Portfolio or the original creditor. I requested a photo copy of my id and a wet ink scanned signature. I have requested JH Portfolio to provide a copy of certified letter and receipt that they claim that was sent to me. This company has not provided any of this after several request. This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of { {$730.00} } and { {$1900.00} } came to be. It appears to a be a fake credit card statement and a fraudulent debt generated by JH Portfolio. I have never agreed to this debt, i never signed any contract or agreement to pay this debt with JH Portfolio or any original creditor. Methods being used by JH Portfolio to validate this debt as accurate are inaccurate, this debt can not be validated!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-12-22
Company: EQUIFAX, INC.
State: SC
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:
Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a check into my business banking account, and it was to clear the following day. I contacted Chase customer service because the funds had not cleared my bank and after being on the phone for more than three hours, I went to my bank location and spoke with the bank manager. Chase refused to process the check. The following day I received a notice from Chase that the check would be held for 14 days due to the risk of the check not being paid. Prior to this check, I had deposited numerous checks from this same customer and bank and never had any issues. I depend on the funds from the business checks I receive to secure my payroll and I could not wait for the funds to be held. My customer cancelled the check and wired the funds into my account the following day and those funds were also held due to incorrect information that was given to me by a Chase associate. On XX/XX/2023, I deposited an additional check from a business customer who I have also deposited checks from and never had any issues. The next day I noticed the funds had not cleared and I was on the phone for hours attempting to find the issue for this check. I received another notice that the check I deposited would be held for 14 days due to the risk of the check being unpaid. Once again, I could not wait for the 14 days. My customer stopped payment on the check and sent the funds via ACH payment. Chase provided me with a routing number for the ACH payment which was incorrect and once again the funds were held for an additional 48 hours. After speaking with numerous Chase associates, and over five hours on the phone, the " routing '' department corrected the mistake, and the funds were available immediately. I instructed my customers that we could no longer accept checks and any future payments would need to be sent via ACH transfer. On XX/XX/2023, my customer sent an ACH payment to my business account, with the information I was provided from a Chase Associate. The funds were to be posted to my account on XX/XX/2023, but there was an additional issue, and the funds are now being held again for six days. The information provided to me by Chase was once again incorrect. I am now unable to process payroll for my employees and they have all quit and will be filing labor claims against me. I will now be forced to close my business due to errors caused by Chase Bank. This happened four weeks in a row for every deposit that has been made to my business account. The actions of Chase bank are inexcusable. When customers are routed to other countries with language barriers to provide horrible customer service for Chase Bank, and incorrect information, Chase needs to do everything they can to make sure their customers are not affected. For the past three weeks, I have spent countless hours talking with Chase associates, bank managers, supervisors, and have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that Franklin Collection Services had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the spreadsheet letter I received from Franklin Collection Services that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 )  contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation