BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from MRS BPO , LLC which claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. 

I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have requested multiple times to receive old savings bank statement from Chase Bank. As per Chase Bank website, the request was placed, and stated they will be sent. However, they were not sent, even beyond the stated time frame. The same request was requested multiple times online by secure messaging, and by phone call to their customer service. The response is essentially the same, that they will be sent. However, they were never sent. The original request was made on XX/XX/21. I believe that Chase Bank is either irresponsible, incompetent, or just lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Open Dealer Exchange, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to 700 CREDIT/TXXXX XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AL
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:
around XX/XX/2022, i login my XXXX XXXX account to ensure that XXXX payment was received and i notice that XX/XX/XXXX XXXX did not apply the payment but they accepted the payment so i called and ask why is the payment my payment was in suspense and ask for them to do their job and post the payment to my account. after talking to the rep for about 40 min the rep but my request in and they the remove the payment from suspense status and applied it to XXXX payment. now they want to report that i was late but i wasnt late. its XXXX percent their fault for not applying the payment. i as the rep to ensure that it will not report on my credit and she ensure me that it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Spring Oaks Capital, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed this information with the credit bureaus and they have yet to remove these unauthorized accounts from my report. Ive never authorized any of these accounts with these companies. I dont have a relationship with these companies. Please remove these accounts from my credit report, they arent mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.

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 2023-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report is an old debt from XXXX  from a repo that I didnt know of because of a divorce. Its to old to be on my report now and I was never notified or granted to try to get the car back to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Auto Finance. Account was opened XX/XX/XXXX. Paid off XX/XX/XXXX. They sent a Letter Offering a settlement The balance was {$15000.00}. I paid them the settlement amount of {$6000.00} dollars to account number ending XXXX and they sent me a Letter proof of paying off the car as well as received the Titled. 

The Letter states Upon payment of the Settlement amount noted above, Capital One Auto Finance will consider your account as settled for less than Full balance. You will not be responsible for paying the remaining amount on your account. This was never reported a problem to my credit Report until I bought my First home XX/XX/XXXX. I never had a issue with Credit. The Car was paid off and now it says account open/closed 180 days past due, I owe {$14000.00} and that is Fraudulent. Upon Paying off my Car I have been working hard to keep my Credit Good Retirement will be soon. I just bought Home with a 98 % payment history. Please can you Help me get this off my Credit and return my XXXX points Points back up. 

Thanking you in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have an account with XXXX XXXX XXXX that was supposed to be removed. It was removed from my XXXX and XXXX credit report but not my equifax. And according to equifax it was being removed due to inaccurate information. The file attached shows that it was removed on XX/XX/XXXX but it 's still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-24
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:
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 items XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021

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 2020-03-23
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Now this account originally was with XXXX XXXX XXXX which was disputed in writing and then on this website which was removed and deleted. Which I have proof for {$120.00} back in 2019. Now I recieved a letter for the same amount for the samething but from a different collection agency. Now you are in several violations of the Fair Credit Reporting Act as well as HIPPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Agency of Credit Control
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection of {$62.00} filed with XXXX  and posted XX/XX/XXXX : AGENCY CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX  ( XXXX  ) XXXX The claim challengedXX/XX/XXXX with documentation proving the claim was false and XXXX  removed the claim from my credit report ( XX/XX/XXXX. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: West Central Texas Collection Bureau
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention a matter of concern regarding a collection company that has not responded to a verification letter regarding an account that is being reported on my credit report. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I sent a written request for verification of the debt to the collection company in question. However, it has been several weeks, and I have not received a response from them. The account in question has been appearing on my credit report, which is causing me great concern. 

I believe that this collection company is violating my rights under the FDCPA by not responding to my request for verification. I understand that it is my right to request verification of any debt that is being collected from me, and failure to respond to this request is a violation of my rights as a consumer.

I would appreciate it if the Consumer Data Protection Bureau could look into this matter and take appropriate action to ensure that my rights are protected under the FDCPA. I believe that it is essential to hold collection companies accountable for their actions, and I hope that you can assist me in this matter. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is being serviced by United Wholesale Mortgage. I closed on my mortgage with a temporary buydown that cost about $ XXXX paid by the seller of the property. My first mortgage payment was due XX/XX/2023, but UWM will only accept the full payment and not the temporary buydown payment. I have called multiple times and they confirm I am right, but they don't fix the problem. I don't know what else to do. I would like to make my mortgage payment but UWM has essentially pocketed money that doesn't belong to them, that instead should be used to supplement my mortgage payment for the first 2 years. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
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:
On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that Checksmart was opened on XX/XX/XXXX for {$1400.00} for collection on my XXXX Credit. I called Checksmart in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam

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 2023-02-19
Company: EAST WEST BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I dropped off payment check to my local post office in the amount of {$420.00} to pay for my power bill by mail around XXXX XXXX XXXX The same check posted to my checking account on XXXX  for {$85.00}. The check was altered and made payable to someone I do not know and the amount was changed to " {$8500.00} / XXXX XXXX XXXX ''. My bank, East West Bank paid the check in the amount of {$85.00}. I contacted my bank and a Forgery Affidavit Claim was submitted on XXXX. It is now XXXX and I have asked about status numerous times but have been told it is still pending. I have not received any resolution or money back as of XXXX. My last status check to bank manager was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got my JPMCB card and used it, when I first noticed it I called the company right away and they canceled that card and now for some reason they want me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 my rent in the amount of {$1500.00} was sent to the wrong person using Chase QuickPay in the mobile application. I contacted Chase to cancel the payment which was sent to a XXXX XXXX when it was intended for my landlord, XXXX XXXX. Chase representatives refused to cancel the payment and stated that they could instead file a courtesy claim but that there was no guarantee my money would be returned to me. I informed them that I attempted to contact the person the money was incorrectly sent to ( through text, email, and calls ) but that the person was not responding and will not respond. The person was someone I previously took to court and has been avoiding me since. As a result the incorrect person has my rent for the month, putting my housing at risk and Chase refuses to help retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: TX
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:
I am here by putting you in notice of the obvious violations WF DILLARDS has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX per the FTCs recommendation I reported multiple fraudulent transactions occurring on 2 credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.

Company response to consumer: Closed with explanation