BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: Helm Associates
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2022, I received several emails/notifications from several credit monitoring services notifying me of a recent change to my XXXX credit report ; which indicated that my current and good standing auto loan with Helm Associates had been removed from my credit report ; which caused my credit score to decrease XXXX points, from a XXXX XXXX XXXX to a XXXX XXXX XXXX. This information is inaccurate ; as I still have an auto loan through Helm Associates. My auto loan with Helm Associates is current and in good standing ; as I have never missed a payment or been late on any of my auto loan payments that are due every other Saturday ( bi-weekly ) ; as I even make my payments early, by paying every other XXXX ( bi-weekly ) instead of waiting until the scheduled Saturday. 

On XX/XX/2022, I contacted Helm Associates and spoke to XXXX at about XXXXXXXX XXXX inquiring about the change to my XXXX credit report ; as I did not receive a phone call or correspondence by mail or email from Helm Associates alerting me of this issue. During my phone call with XXXX, XXXX informed me that Helm Associates is aware of the issue, this was a mass issue, and it was not just isolated to my auto loan with Helm Associates. XXXX also stated, XXXX XXXX, the controller for Helm Associates, was aware of the issue and did not report this information to the credit reporting agencies. I have made at least seven phone calls to Helm Associates and voiced my concerns regarding this issue via the companies website on XX/XX/2022 at XXXXXXXX XXXX requesting assistance with this issue but this is still unresolved. 

As of today, XX/XX/2022, a month later, my XXXX credit report has not been updated indicating that I currently have an auto loan with Helm that is current and in good standing ; as this information is still missing from my XXXX credit report. While this information has been removed from my XXXX credit report, my credit score with XXXX and XXXX has too been affected by decreasing at least XXXX points. 

Phone call dates : XX/XX/2022 at XXXX XXXX Spoke to XXXX XX/XX/2022 at XXXX XXXX - Spoke to XXXX, placed on hold, was on hold for 22 minutes XX/XX/2022 at XXXXXXXX XXXX XXXX No Answer XX/XX/2022 at XXXX XXXX  - No Answer XX/XX/2022 at XXXX XXXX XXXX No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer XX/XX/2022 at XXXXXXXX XXXX - No Answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. Equifax has XXXX XXXX XXXX reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Credit Card Receivables Fund Incorporated
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2013 Unifund, XXXX, XXXX debt collector got a judgement against me for debt they had purchased from XXXX. I was never served a summons, never given a chance to defend myself, therefore never attended any court hearings and subsequently I XXXX XXXX received a judgement. Now 10 years I receive a Writ of Execution and bank account garnishments. I am a married man ( XXXX XXXX XXXX ) and can not understand how this can happen to a Citizen of the United States. 

We can not afford to hire an attorney. Again, I was never served, never notified and never afforded my day in court to challenge the validity of this lawsuit by this debt collector company. I am now learning Unifund CCR , LLC has placed a lien on our property! 

A quick XXXX search and you easily understand this company is crooked who does not follow rules of civil procedure. 

Now we are emotionally scared to XXXX  and trying our best to figure how to report them stop them, reverse this judgement. I can't even believe a judge would rule in their favor when the defendant is not even present to defend themselves. 

Give me a break!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, 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 2023-08-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment late. When I received my next bill it was paid in full but I had a late charge and interest. I asked them to waive the late fee. They did not and when I received my next bill it had more interest and another late fee. I called and they said they are allowed to continue charging me late fees and interest on late fees even though I paid my balance in full. I disagreed and they said I signed a contract that gave them permission to do that. I asked them to send me a copy. I have not received it.

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 2022-11-13
Company: Helm Associates
State: DE
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 taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Helm Associates to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Helm Associates has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Helm Associates has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ).

-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means a repossession should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Helm Associates has caused harm by illegally repossessing my vehicle and by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.

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 2022-12-14
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with a debt collector on XX/XX/14. She was verbally abusive, after the company refused debt validation from previous mailed letter requested. The debt collector refused to provide any information other than demanding me to pay the debt without any proper validation and used threatening language during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: NY
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  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to complain about three collection accounts that appear on my credit report. The accounts are : Midland Credit Management : {$330.00}, original creditor XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX : {$610.00}, original creditor XXXX XXXX  XXXX XXXX XXXX XXXXXXXX : {$1100.00}, original creditor XXXX XXXX I have never conducted any business with any of these debt collectors, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of these collection accounts when I recently checked my credit report. I have never received any bills or correspondence from any of these debt XXXX, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from any of these debt collectors. Therefore, I believe that they are illegally reporting these debts to my credit report. 

I demand that you immediately remove these collection accounts from my credit report. I also demand that you send me debt validation letters for each of these accounts. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA is claiming to have personal records of mine which I never granted. I as a consumer in law have a right to privacy and as such I never gave my consent for PRA to have access to my personal information if indeed they have it, they have under false pretenses. Please note I will hold PRA liable for aggravated identity theft if they continue to use my information without my consent under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern XXXX While checking my most recent XXXX credit report, I noticed credit inquiries that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XXXX XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and a serious breach of privacy rights. Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.Attached are copies of my state ID and bank statement to confirm my address.Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2023-08-23
Company: CITIBANK, N.A.
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 XXXX  account # ending in XXXX THE HOME DEPOT/CBNA, has violated my rights. 

15 USC 1681 section 602 States I have the right of privacy.

15 USC 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-02-21
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and spoke w/XXXX  just now on XX/XX/XXXX at XXXX to pay {$110.00} on XX/XX/XXXX. The bill I received indicated payment was due on XX/XX/XXXX ; however ; when I advised XXXX  that I could pay on the XX/XX/XXXX, he said that would be fine. I mentioned the XX/XX/XXXX at least 3 times during our recorded conversation. As soon as I hung up with XXXX, I was notified by my bank, via text, that the payment had posted immediately. I called back to escalate and spoke with XXXX who said he would have to review the recording and this would take 24 hours and return of funds would take 4-5 days. I asked him to get XXXX on the phone since I had just hung up with him and he said he could not. I asked to speak to a manager and XXXX said he was the manager and would not allow me to speak to anyone else. If this call was truly on a recorded line, you will hear me say the XX/XX/XXXXat least three times during the conversation with 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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This account was settled and XXXX XXXX is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.

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 2022-11-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account in XXXX with Chase to obtain the checking account bonus of {$220.00} for opening an account and direct depositing {$500.00} a month for XXXX months into that account... The promo code entered was XXXX. 

Every month {$500.00} was deposited into that account from my employers account, and when I called Chase to ask why they hadn't funded my bonus yet they stated that my employer was not an employer... Which I have evidence directly refuting that claim attached to this complaint. 

I would like my {$220.00} bonus for completing the requisite milestones to complete the bonus... You have refused to provide my money citing incorrectly the validity of my employer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX. By law it requires more than three members, managers and employees, so the bank is incorrect in stating I am a sole proprietor as the reason to deny paying me my bonus. 

Pay {$220.00} or go to court

Company response to consumer: Closed with explanation