BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX  well being, as well as my XXXX XXXX - XXXX XXXX, XXXX XXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXX 's seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: McCarthy, Burgess & Wolff, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX, I hired XXXX, to assist my cleaning service with payroll processing, and workman comp insurance. I spoke with XXXX concerning the finished work and no longer needed workman comp insurance, because the initiated the connection, between XXXX XXXX XXXX and myself, or XXXX XXXX XXXX XXXX, which I am owner. The continued harassment about an audit, which was not supposed to take place, without my consent was taken. The phone calls started XX/XX/XXXX. Thereafter, the continued calling me two, to three times a week has to stop. XXXX only processed one payroll for XXXX XXXX XXXX XXXX XXXX, and sent another payroll, which I did not receive, until I came to my home office, which was about XXXX XXXX  on XX/XX/XXXX, and at that time I only had two people working. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has called me too many times. XXXX XXXX called, me today and told me to stop talking over her and I was unprofessional, because I do owe them for seven payrolls, which they had to commit to an Audit. I hung up, came, to my computer, and announced one again, which I had done several time, and told her I was filing a complaint against them, and she said, I will not call you any more, and I told her, I have told you several times to stop contacting me, but she continued. The constant contacting me, and harassment has caused me great anguish, and the continuing calling XXXX and XXXX, has cause me a mental break, " I only had two payroll processed, because the job only lasted two weeks ; '' " It was a final cleaning contract. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I filed a complaint with the CFPB against Amsher Collection Agency about their attempts to collect a debt in the amount of {$430.00} and report information to XXXX that does not belong to me on XX/XX/XXXX. I immediately began receiving calls on the same day that I filed my complaint on XX/XX/XXXX from Amsher Collection posing as the TN Department of Health in their attempt to collect personal identifying information to collect on a debt that belongs to a XXXX XXXX. I am not XXXX XXXX. The name that came across my caller ID on XX/XX/XXXX to XX/XX/XXXX was the TN Department of Health and a XXXX XXXX XXXX left voicemails stating that he was with the TN Dept of Health asking me to verify my name, date of birth and that of my children due to a XXXX  health concern. Amsher Collection continued to pose as the TN Department of Health but specifically asked that a XXXX XXXX return their calls from XX/XX/XXXX to XX/XX/XXXX. I am not XXXX XXXX. I called the TN Department of Health and they said that the TN Department of Health is not associated with the telephone number XXXX or anyone named XXXX XXXX and that they would not ask me for that type of identifying information for XXXX. I called my childrens physician and their schools and asked whether the TN Department of Health had contacted them about my children and any XXXX related health concerns. My childrens physician and schools stated that they were not notified of any health issues or XXXX related concerns regarding my children. Once I verified that the calls from the TN Dept of Health were scam calls from Amsher Collection posing as the TN Dept of Health I then continued to be called by random numbers from different cities in the state of TN and then began receiving robo calls on a daily basis. 

The timing of my complaint with the CFPB and the receiving calls directly preceding my complaint on the XXXX are not a coincidence. Amsher and XXXX have the wrong person, name, and address and are calling my cell phone impersonating the TN Dept of Health in an attempt to connect me to billing and information that does not belong to me. This is not my debt. I have recordings of the voicemails and have filed a complaint with the FTC regarding the calls and impersonating the TN Dept of Health. Amsher Collection Agency and XXXX XXXX XXXX ( XXXX ) collection tactics of scaring me into believing that my childrens health is at issue to collect identifying information to pursue debt collection is beyond deceptive and abusive and a definite violation of the FDCPA and FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022 I XXXX XXXX  XXXX on my own behalf sent a letter to each of the CRA ( Credit Reporting Agencies ) XXXX, XXXX, Transunion in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 days later I have not been notified either by mail or phone of the receipt of my letters. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will have no other choice then to have my lawyer file for litigation on this matter. In closing, my information was impacted by the XXXX and Transunion data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

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 2023-02-18
Company: EQUIFAX, INC.
State: MO
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 suspect that a debt collector has intentionally re-aged my debt. This is a 5 year old debt, from XXXX, that was closed and written off by the original company. Following this, it was deleted off all my credit reports. Now, years later it has popped back up and with a date of origin in XXXX. This is not remotely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XX/XX/XXXX I received my statement and notice that a home owners insurance payment was made to a company I was not familiar with. On XXXX I spoke with representative XXXX he did not provide me what I wanted so I requested the supervisor, he said one would call me back. I received a call back there was a voicemail message but no name of the supervisor and the call back number was automated. I called back XXXX spoke with representative who stated a supervisor would call me back i a couple days. I never received a call back. I wrote XXXX ( the money source ) an email regarding the payment to the company. During my original conversation with XXXX XXXX was discovered that XXXX did not pay my XXXX insurance and decided to pay it about a year later and they did not notify my had no insurance. I requested the monies be returned to my escrow account as my insurance company that I always use, does not go retro. To no avail were they willing to refund my account but did send me information that my mortgage would be going up and I know it was due to them paying the money to the insurance company which made the escrow account short. In beginning XXXX I mailed a letter to their escalation department received a call with no resolution. I have received notification about my XXXX insurance not having it but did not receive notification of XXXX. I am requesting a refund of the {$1700.00} that was deducted from my escrow account due to their oversight of not informing me nor paying the insurance which is their responsibility due to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Medi Credit is trying to collect an account for XXXX XXXX hospital when it.s not my account. I have tried resolving this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming I owe {$340.00} which was sent to XXXX XXXXXXXX XXXX XXXX XXXX to be collected. I called both companies which advised me the name and information on account didnt belong to me. However it was not removed from my credit. The home address on the account is from New York, which I never lived in NY a day in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize.

Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score.

Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -Ally Financial from XX/XX/2021 -Ally Financial XXXX  XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXXrom XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. 
Thank you for your help.

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 2023-02-01
Company: EQUIFAX, INC.
State: AR
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
This is my formal complaint regarding identity theft that I experienced. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) the proper proof of the consumer 's identity, ( 2 ) a copy of an identity theft report, ( 3 ) the consumer 's identification of such information, and ( 4 ) a statement from the consumer that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX Apartments for verification of inaccurate debt. The property manager responded she did not have any details on the matter and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, GA XXXX. 
I contacted XXXX XXXX XXXX who also stated they did not hold any collections accounts to contact XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX I contacted Hunterwarfield on XX/XX/XXXX, which has not been able to provide me with any details or verification of this debt. 
I submitted a dispute with XXXX over the phone on XX/XX/XXXX. 
XXXX responded with a letter stating the account has been verified as accurate. The information is inaccurate and I am requesting for it to be deleted from my consumer report immediately.

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 2023-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After strongly encouraging customers to use online banking services rather than banking at physical branches, JPMorgan Chase has more recently begun trying to entice customers to go paperless ( i.e., to receive all of their communications, such as monthly statements, online only ). I have always tried to decline that option, but Chase makes it very difficult to do so. Recently, Chase has taken its attempts to force paperless on its customers to a new level. Specifically, when I signed on to my account several days ago, I was greeted by a screen that required me to accept Chases Online Electronic Disclosure and Consent and its Digital Services Agreement BEFORE I could access my bank accounts- checking and savings - or my credit accounts. Moreover, one of those documents was 10 pages long ; the other was 125 PAGES! Which I was apparently expected to review in a 5-inch phone screen. 
Its unfair, deceptive and abusive to advertise the ease and safety of electronic accounts while enticing people to sign away important rights they would have in a non-electronic environment, especially since Chase has knowingly fashioned the signup process such that not one in a hundred reasonable consumers will read - or understand - whats happening. And, if a customer chooses not to agree to this surprising, one-sided and completely non-negotiable agreement, what then? Does the customer have any recourse other than to periodically appear at a brick and mortar branch - which Chase has been actively discouraging its customers to do for years - and request a transcript of their accounts? Indeed, a customer who previously consented to paperless delivery can not even access their account to rescind that consent in order to receive the agreement by mail, at least not without first agreeing to the terms of Chases 125 page agreement. How is this fair? Or ethical? Or even legal? 
This is especially frustrating because, after being hacked many years ago, the banks fraud prevention officer advised me to check my account - every day- to help identify and prevent fraudulent activities. And, for the most part, I have done so. Until now. 
These types of sharp business practices, which inure entirely to the benefit of the bank, should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America is in violation of my Freedom of Information Act right by refusing to provide me with my account information in their response to request of Public record in their letter to me dated XX/XX/XXXX by a response that the Regulatory Complaint Team had done a comprehensive search to find detailed information about my account number XXXX and information from the predecessor bank, XXXX XXXX account number XXXX when it was requested that it be in compliance with the California Public Information Act ( Government Code 6250 ). The information was requested for the purpose of records and explanation request made in CFPB case number XXXX XXXX submitted on XX/XX/XXXX. In the letter dated dated XX/XX/XXXX, signed by XXXX XXXX, Resolution Specialist he  claims no available information is located ansd outlined in their response. This conflicts with the testimony given to XXXX Police Officer XXXX XXXX in XXXX 's Police Report number XXXX. XXXX XXXX XXXX  contention conflicts with the statement made in tthe report by XXXX XXXX, Director of the Intelligence Information Unit is that in order to receive the information regarding the account would be through submission of legal process. 
I am requesting the information be made availableas soon as this request is received. A dispute involving this account in the mishandling and representation of the debt owed and presented iib the original filing of the case by Bank of America 's representatives, XXXX, XXXX and XXXX in court case XXXX in XXXX Superior Court ' recording originally  heard in XX/XX/XXXX, and.resulted in a judgement for the plaintiiff and was entered on XX/XX/XXXX and included a claim of title of a XXXX XXXX XXXX HIN number XXXX and a XXXX XXXX XXXX. License Plate number XXXX which is alleged to account for the debt of {$32000.00}. The judgement in this case was amended by the court when the.court required Bank of Ameeica return to court after removing the title of the vessel and trailer. Bank of America possessed no documentation that such collateral was included in the installment loan. The. Abstract of Judgement was provided by XXXX Superior Court to Bank of. America as amended on XX/XX/XXXX with the judgement as XXXX XXXX, as an individual. This was never a secured loan and no title was involved.. No record was ever provided to me to clarify that.this court action took place and is interfering with an accurate accounting of what actually happened. I am requesting the records involving the mishandling and misrepresentation of the installment loan contract.by Bank of  America and to be addressed as a violation of my FOIA right.

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