BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Duncan Solutions, lnc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/XXXX To whom it may concern, I am writing to officially dispute the debts that have been attributed to me by Professional Account Management , LLC ( PAM ). Specifically, these are in relation to : Invoice dated XX/XX/XXXX, Invoice Number : XXXX, Amount : {$36.00} Invoice dated XX/XX/XXXX, Invoice Number : XXXX, Amount : {$40.00} Both these invoices pertain to a toll violation associated with the License Plate : XXXX registered in Texas. 

I wish to emphasize the following : I am not the debtor : I am a resident of XXXX XXXX, NV, and I do not drive. The debt, especially the toll violation, is not of my doing. It is inaccurate and unjust to hold me responsible for these charges. 
The vehicle in question : My daughter and ex-husband manage the vehicle associated with the above-mentioned license plate. It is beyond my comprehension as to why I am being approached for a debt that is clearly not mine. 
Persistent demands : Despite having clarified my position, Professional Account Management , LLC continues to insist that I pay the debt. Their persistent demands have caused undue stress and inconvenience. 
In light of the above, I kindly request the following : A thorough investigation into the matter to determine the true debtor. 
Immediate cessation of all communications directed to me regarding this debt.

A written confirmation once the matter has been resolved, clearly indicating that I am no longer being held responsible for these debts.

I expect a prompt resolution to this matter, and I would appreciate it if you could keep me informed of any updates or required actions from my side. 
Remove the collection report from my credit report Thank you for your attention to this matter. I trust that you will handle this with the seriousness and urgency it demands. 

Sincerely, 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 2023-06-14
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:
Despite my written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. These are the following accounts need to be corrected 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from my XXXX account about a collection being reported to my credit report on XX/XX/XXXX. I attempted to contact the company, Paragon Revenue Group, on XX/XX/XXXX, as I had received no notification about this debt. I called the number listed for the company on the XXXX collections notice, because I did not have any paperwork from this company about a debt. The person I spoke to immediately asked for my social security security number, when I refused to supply it she got hostile. I attempted to call back and speak to someone else. Second rep asked for my social security number again, when I refused to give it to her she asked for my account number. I explained I do not have an account number because I had not received any information about this debt. She then hung up. I called back asked for a manager, I was put on hold and hung up on again. I filed a XXXX  complaint. Through the complaint the company 's response was that I would receive formal notice of the collect attempt. Since XX/XX/XXXX, this company has filed 2 notices of non-payment, and 2 notices of account in collections to my XXXX credit report. The original amount listed on my credit report for the debt was {$150.00}, now it is {$300.00}. I still have not received any formal notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: OH
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: Problem with personal statement of dispute

Complaint:
I called Chase bank on the phone to close out my account after paying off the balance that was displayed online. I told their customer service rep to close my account and at which time was told my balance was XXXX. The account was closed, but later there were " pending '' charges of which they did not tell me would stay on my account. These " pending '' charges that I was not told about stayed on my closed account, racked up fees and eventually went past due and I was reported to the credit bureaus as past due. I never received any statements in the mail from chase about these past due charges. I only found out after a credit monitoring service alerted me to the fact. Despite calling chase, and getting the fee 's reversed and the balance paid out, they told me I was not able to reverse the ding on my credit report. 

I really feel that this issue is with Chase 's website. I don't feel that the probably display if you have any pending transactions on a closed account, and at the time of me closing my account it said on their website " Balance XXXX '' This is very misleading. I never received any emails/letters in the mail about this matter either. Thankfully the bank reversed all of the fee 's and interest, but said there was no way for me to reverse the hit on my credit report. I was planning on buying a house in the next few months and now this might cost me money or ultimately hinder my ability to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Braviant Holdings, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Balance credit is harassing my family, and people Im unrelated to via phone calls and text messages stating they are attempting to collect a debt from me, with balance disclosures. They claim to be able to call these people because they claim they were put down as references which is a LIE. I have text message screenshots of the voicemails and text messages they are sending people who are not me. I do not have a balance credit loan. I have personally not been contacted by balance credit either. I have requested a cease and desist of all phone calls and text messages and require only written mailed correspondence. I have also requested validation of the alleged debt with my hand written signed signature. Electronic signings can be done by anyone. I want proof I signed up for an alleged loan because I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Personal information incorrect

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX, TX XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX  XXXX XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Personal information incorrect

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX, TX XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX XXXXXXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NC
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: Other problem getting your report or credit score

Complaint:
This is my fourth complaint regarding not being able to get credit score from Equifax because when I log in to equifax from any device it gives me the message as you will see by looking at the attached documents screenshot. 

I have complained as recent as a week ago and several times before that I was Assured by staff at equifax on my phone call to Them over a week ago and that they were elevating it to the IT department. 

This is my fourth complaint so can you see if you can fix it so I can properly check my report like everyone else does. 

See attachment for. Error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am disputing all inaccuracies on my credit report with Transunion.

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 2022-02-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XXXX my husband and I had lunch at the XXXX XXXX in XXXX and the next 2 hours my card had a charge of {$280.00} in Utah, I called the bank and said it wasn't my charge, but they said it was a chip consumption, so it must be my own consumption, but after lunch my husband and I went back to work, we didn't even have a vacation, we didn't even know where Utah was. It's impossible to drive from XXXX to XXXX XXXX to fly to Utah in two hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX, XXXX. XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXXXXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: Velocity Portfolio Group
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late XX/XX/XXXX or early XX/XX/XXXX I was contacted by a firm calledXX/XX/XXXX, XXXX, claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called Velocity Investments , LLC. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the 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 explanation
Consumer complaint received 2020-06-09
Company: Capio Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been trying to repair my credit for over a year now after falling on hard times. I have monitored my credit daily and trying to research my options for debt relief. I have found that a company collecting a debt for medical bills has hit my credit report more than once for the same debt multiple times. They change their name and then re-report the same debt to my credit report. Every time my credit score drops because it looks as if it is a different debt. IE : In XX/XX/2019 my credit score was XXXX, a law firm by the name of XXXX XXXX XXXX/capio  reported 6 accounts as derogatory which reduced my credit score to XXXX. 7 Months later I had built my score back to XXXX, then the company Capio Partners LLC report the same 6 accounts as derogatory and my credit drops another 80 points for the exact same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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:
I have contacted the credit bureau several times and have sent in an FTC ID Theft Affidavit more than 3 times including next-day mail so I could have a tracking number to verify receipt. Yet, every time I call to inquire about the fraudulent information being removed, I am told that they haven't received the documents. I even faxed it in and received a confirmed successful fax transmission. I find it very hard to believe through the several different attempts that my documents have not been received. I believe the reps are not giving the attention the matter needs to find out the problem. And in the interim, my initial issue which is the fraudulent items on my account is not being addressed. By attaching the documents I sent in this complaint, I know it will be forwarded to the credit bureau and they can no longer deny receiving them.

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 2021-02-12
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection was added to my report. I did not receive any letters regarding this. I am not sure about what the charges were for. Was not provided any information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Early Warning Services, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Used Zelle through my bank 's online banking system XXXX XXXX XXXX  ) to make a payment of {$45.00} for a concert ticket from my checking account. Seller continued to try to obtain additional money, and it became apparent that it was a scam and he did not actually have a ticket. Contacted my bank because the transaction is still pending to report the fraud and have the transaction cancelled. Customer service ( for Zelle, but contacted through my bank 's customer service number ) stated that I could not dispute the transaction until the money transfer took place, which could take up to 7 days. I stated that the transaction was fraud and that we needed to take action before the transfer was made, but the company refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EQUIFAXS reporting of my information inaccurate and unfair. According to 15 USC 1681b ( a ) ( 2 ) my written instruction giving my consent has never been given to EQUIFAX. Numerous fraudulent accounts have been found while doing a search of my credit report such as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  There is also multiple inquiries that should not be on my credit report and are impermissible and without my consent. My personal information is also inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


XXXX report XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} chargeoff XXXX report XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$550.00} chargeoff XXXXXXXX XXXX  XXXX XX/XX/XXXX {$370.00} Transunion report XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} chargeoff XXXX  XXXX XX/XX/XXXX {$550.00} chargeoff XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales And XXXX XX/XX/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