BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Frontline Asset Strategies, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted on XX/XX/XXXX from Frontline Asset Strategies regarding a debt XXXX XXXX said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep XXXX XXXX XXXX stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX XXXX who said they would put the note on their not call this number again and put the debt back in dispute. 

They still continue to contact me over a non-owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
I had a loan with Mercedes-Benz since XX/XX/XXXX. I never had any late payment. I paid off the loan in XX/XX/XXXX. Somehow Mercedes-Benz put a Repossession on my credit report. I contacted their financial department and told that I have to hire a lawyer to fix this issue. I never pay late and paid off already. I don't know if I should spend money on hiring a lawyer to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX received a call from JP Morgan Chase! They said someone was trying to do a wire transfer on my account! They told me I needed to be on the phone while they tried to stop it! They somehow got into both my checking accounts and did a wire transfer for XXXX! Also received text messages that said chase! Also charged me a XXXX dollar wire transfer! I have proof on my phone that all texts and calls said JP Morgan chase! I have never done a wire transfer nor would I know how to do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax, I just looked at my credit report and was shocked to see the numerous amounts of error you listed. I am writing to have you remove them immediately. 

The following accounts needs to be removed immediately. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-08-14
Company: EQUIFAX, INC.
State: OH
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 ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AFFIRM INC failed to provide written proof of their ability to threaten me with reporting non public information regarding my account to third parties. I submitted dispute requests to them on XX/XX/2022 and never received a written response with verified proof of my dispute requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Credit Collection Partners, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Subject and History My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. Since about XX/XX/XXXX I owned XXXX XXXX XXXX in XXXX   XXXX, IL. We currently live in XXXX, Oklahoma and have for almost forty years. On XX/XX/XXXX, City of XXXX IL., filed a Complaint in XXXX , IL ( XXXX County , IL ) for perceived Ordinance Violation against me/defendant, under XXXX City Code , alleging an unsafe and dilapidated building, asking TR Court for a fine not less than {$250.00} and nor more than {$500.00} first offense ; same range for any subsequent conviction within a year period, and a further penalty in like amount for each day etc. On XX/XX/XXXX trial judge fined me {$110000.00}. On XX/XX/XXXX, at hearing trial judge case to be sent to collection agency ( see attachment Court Docket ). 
On or about XX/XX/XXXX, Credit Collection Partners, ( IL license number XXXX ) XXXX, IL.,  sent me XXXX XXXX ( senior ) ( XXXX , Oklahoma ) a " Notice of Non-Compliance '' for Amount Due {$170000.00}, ( see attachment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On or about XX/XX/XXXX, we responded in writing disputing to Credit Collection Partners, advising them the Amount Due {$170000.00} was incorrect. It appears collection agency added an additional unauthorized amount due of {$31000.00} for unknown reason ( s )? ( see attachment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). 
On or about XX/XX/XXXX, Credit Collections Partners, sent me another written communication this letter provides the latest account balance information that is owed to this collection agency. Amount Due {$140000.00}. The content of this correspondence is much different too, please compare the two documents for specifics, ( see attachment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit limit with American Express was lowered overnight to reflect that I had already spent an amount over the new limit. This is illegal under the The Credit Card Accountability Responsibility and Disclosure Act passed in 2009. 

I called American Express for assistance with my account but they refused to assist me and instead asked me invasive questions to " verify my account '' that I had never been asked before. When I informed the agent that I called with my own questions not to answer hers, she refused to assist me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Diversified consultants is claiming I owe them money from XXXX XXXX. I claimed bankruptcy way after I had service with them Saying I owe XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NM
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX XXXX XXXX Balance : {$1100.00}

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 2019-08-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 SXXXX XX/XX/2019 XXXX XXXX  XX/XX/2019

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 2021-02-27
Company: EQUIFAX, 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:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
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 ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans union has for past several months denied me of validate a debt. That I do not owe over the course of several months I sent letters disputing this fraudulent account via certified mail. Asking TransUnion to do a proper investigation and asking for any documents or contacts to verify this debt that I do not owe. I have been denied that right by law they have 30 days. Its now been several months and I have yet to receive any proof. Spoke with a TransUnion dispute agent. And was told its my job to contact the furnished to verify the debt. Wich is totally false and another violation of my rights under the fair credit act. We are now going to the 8th month and yet I still havent received any documents to show that this is a legit debt I owe. TransUnion just send it back as verified. This has cause a lot of emotional distress, wich caused me jobs, housing and credit. Because if TransUnion not following the laws under Fcra. Wich is required of them to do and my right as a consumer to have a proper investigation done for inaccurate information being furnished to my consumer report. And also TransUnion has denied me to be able to check my credit report. I had to call them about this multiple times and they still are denying me my rights.

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 2021-08-01
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
LexisNexis Had False/erroneous information showing on my consumer report which is harming me and my credit score I reached out to them with a letter they did not respond at all. I sent them a non-response letter, they did not respond. I submitted a complaint with the CFPB they still did not respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Marlette Funding, LLC
State: NC
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 reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Computer Credit, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again, Computer Credit Inc is sending me bills for account numbers that arent mine, with pertinent details hidden on their website. This time, the billing details do not match any records of mine. 

On XX/XX/XXXX, I visited the XX/XX/XXXXXXXX website to look at my account. It said I owed {$120.00}, so thats what I paid. Today, I opened a letter from XXXX dated XX/XX/, saying that as of XX/XX/XXXX, I was billed by XXXX for {$150.00}, paid {$140.00}, and owe {$13.00}. Buried on their website, XXXX says this was for a XX/XX/XX/XX/XXXXvisit. Neither the {$150.00} bill nor the {$140.00} payment amounts match any records on my XXXX account, my XXXX XXXX XXXX, nor my XXXX XXXX XXXX account. Why are they making up these numbers? 

I checked my XXXX account again today, which says I owe {$0.00}, as of my last statement dated XX/XX/XXXX. Note that this is before the XX/XX/XXXX date of XX/XX/XXXXreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Atlanticus Services Corporation
State: NC
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 reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I'm submitting a complaint after receiving a large XXXX XXXX XXXX from my town. Mr Cooper was responsible for withholding and paying the appropriate amount of taxes from the escrow payments I make on my mortgage. It appears there is a significant shortfall. 

Ultimately my complaint is because I can not reach anyone in their loan servicing department to make sure this bill is remedied. Mr Cooper was subject to a cyber attack last week, and has withdrawn all its resources to speak to people calling about an existing loan with them. However you can still reach someone is their department if you'd like to get a NEW loan through them. Basically they'll give you the time of day if you'd like to become a new customer, but if your an existing customer they won't talk to you. 

I reach someone in the New Loan application department and she assured me someone would call or email me that day. It has now been XXXX day and I haven't heard anything, nor can you call to speak to someone about an existing loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: FirstPoint Collection Resources
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 information incorrect

Complaint:
Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
According to cash app terms Xlll ( 3 ) there suppose to protect my funds in my account on XX/XX/2023 I received and alert that I received money in my account around XXXX am I go to check and the app started acting up then UT closed on me and alerts can threw saying my email & pin has changed so I was locked out the account, I could not contact cash app until Monday morning one I did I explained everything they asked me for my information they said it's incorrect they wanted what's on the account I explained again telling them it was removed I sent my ID and my picture there response was if I can't submit all info that they want return my funds of XXXX and stop responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-06
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NTL Recovery agency placed a false collection account on my credit reports. I contacted the agency and they had no information that related to me.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED THAT THIS ACCOUNT DONT BELONG TO ME.

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