BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered paperwork regarding a judgement at my childhood home the other day that my mother had signed for unbeknownst to me. I researched the the company that filed it and called the toll free number for XXXX, XXXX XXXX XXXX XXXX. I waited on hold for XXXX minutes and decided to hang up because the automated system suggested I send an email to XXXX. To date, I have not received a response to that email. I decided to call back on XX/XX/XXXX. After a XXXX minute hold time, my call was answered and I requested that they mail me verification of the debt and that I could afford to make a XXXX time payment to settle the debt. I offered to settle it for {$1300.00} and was informed that my offer would have to be considerably higher than that. I said I would just wait for the verification of debt and hung up. I have not received the verification letter. Today, XX/XX/XXXX I decided to call back and check on the status of the verification letter. After a XXXX minute hold time, I spoke to an XXXX at extension XXXX. I said I wanted to follow up and see if my offer got any response. He said there was nothing noted on the account. In a nutshell, XXXX was very professional and I reiterated my initial offer of {$1300.00} to settle and he said the best he could do was {$2700.00}. I said the most I could afford would be {$1600.00}. I informed him that I understand that debt XXXX, like his company, buy the debts around the industry standard of 4 % and because of my financial situation, {$2700.00} is an unattainable number. I have had to deal with about XXXX other collection companies and all of them have negotiated the debt at half of what was owed or less. I dont understand why XXXX XXXX XXXX XXXX XXXX XXXX XXXX not negotiate in good faith, particularly under the consideration that they paid roughly {$140.00} dollars to buy {$3300.00} of bad debt. This is astonishingly greedy. Not only that, in order for me to obtain any credit in the future, their judgement will prevent me from obtaining more favorable credit conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
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 recently checked my credit report and noticed that the bureaus have added unauthorized information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Aldous & Associates, PLLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Albous & Associates P.L.L.C is contacting me even by emails saying that I owe XXXX XXXX XXXX {$190.00} according to contract. I already canceled my membership with XXXX XXXX XXXX and still get emails from them saying my membership is still active. Before I joined on a contract I told them I was not interested they continued to keep calling me asking me to sign a contract I finally had to go in and sign a contract. After I sign the contract the calls stopped but I never went in the establishment or used the equipment. The calls started again when a payment did not go through as they were overdrafting my bank account without permission. I had to close the card and everything. They kept calling me saying I owe Maintance and cleaning fees? For what? Why? I never went to the gym. I never used the equipment. I never broke anything as I did not use anything at the business. I never even bought any drinks from vending machines or use locker rooms. So how do I owe any fees for something I did not use? Why should I pay for damage or cleaning for someone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX an amount of {$6100.00} was deposited, posted and made available to my account. I contacted customer service through Chase Online Banking 24 hour help service. I explained the deposit slip account number did not match mine and the bank deposited it to my account in error. I was then told to contact another service department at XXXX eastern standard time. I contacted the service branch and they proceeded to tell me this was only able to be handled through a branch because the check was made deposited by a branch. Both women who helped had similar accents and the check deposited is also to a foreign sounding company from a three letter company. The check image is grainy and appears to be blotched and none credible- no signature, make payable to the account name ( I am not a business or hold a business account ), the date on check is the XX/XX/2022, the written amount does not match the numerical amount ; the deposit slip also is incomplete, being there is no check in the box next to the type of account. This feels like a loop scam to keep the funds from being transferred out of my account and into the proper account that is a digit off from mine. I will be proceeding into a branch when one opens in about 3 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt collection agency. I have received numerous harassing calls from them and a threatening letter of intention to sue me after I asked them via certified mail which they received on XX/XX/XXXX, to validate the debt is mine. All I've received are statements that anyone can make up. I have not entered into any contractual agreement with this company ever, and I've asked them to send me proof that I owe them anything as I do not know them. I'm asking for a copy of the original contract that showed I agreed to pay them what they say I owed them, along with my signature and a complete accounting from XX/XX/XXXX - XX/XX/XXXX. Under the fair debt collection practices act, 15USC 1692g Sec. 809, your claim is disputed and validation is requested. I've also asked you to provide me with your license numbers and Registered Agent which I have also not received from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: I.C. System, 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:
I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with XXXX. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time XXXX chose to keep the erroneous information on my credit report because the collection agency, IC Systems, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from XXXX 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor IC Systems ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

XXXX failed to conduct any meaningful investigation into the factual basis for the claims made by IC Systems. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for XXXX to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from my credit report.

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 2022-10-20
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
RE : Square Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX On XXXX XXXX, XXXX  XXXX XXXX, deposit from XXXX XXXX XXXX XXXX XXXX XXXX business account to our Square , Inc. Merchant account, {$500.00} same day of transfer the company emailed a letter Deactivated the account and placed said funds in the amount of {$500.00} on hold until XXXX XXXX for no apparent reason I, had spoken to a customer service advisor, and they couldn't explanation why the account was deactivated after I received debit card. 

We are asking CFPB to look into this matter and help us retrieve said fund back into our business account. 
Thank you in advance for your services in looking into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1 ] in accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report.

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report.

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply.

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 a account without my written instructions

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 2022-03-07
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received numerous letters for a person not at my address related to a XXXX account nor has anyone by the name on the letter lived here since my purchase of the property ( I've never had a XXXX account either ). I've called the collector and told them this is the wrong person/address on XX/XX/2022 and asked them to stop sending letters to this address. I have since received multiple letters after. The most recent letter is threatening to hit a credit score related to my address.

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 2023-12-05
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: MN
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 sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File 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 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. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly 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 2021-11-11
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice that I owed {$200.00} for an unpaid XXXX XXXX bill from Radius Global Solutions LLC. After hours of attempting to contact XXXX XXXX I finally was informed that not only was I fully up to date on paying their bills, but the account number that was on the collection notice did not match my account number. I called the number printed on the collection notice and they said I had to submit a complaint in the mail and wait 30 days while they reviewed my case. I informed them that the notice was in error, but they insisted that this would move forward and that I would have to take this up with XXXX XXXX. Of course I had already contacted them and they disavowed any knowledge of Radius Global Solutions LLC. I asked if my credit score would be affected and they said " we will have to wait and see. '' I feel like sending them {$200.00} just to make this go away since I have a small business that can't afford any negatives on my credit score. However, this is exactly what this scam is all about so I am reporting it to you.

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 2020-04-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I contact JEFFERSON CAPITAL SYSTEM they claim they can't find my account even though they keep validating their collection of debt through the credit bureaus. It is for a XXXX account that I closed years ago and was paid in full. The dates for the account and everything is wrong. I even had this same debt on my report from a different agency and successfully had it removed as valid but somehow Jefferson is able to continue reporting innaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: FinCo Services Inc DBA Current
State: MS
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:
Yes I submitted a dispute on XXXX XXXX dispute amount {$400.00} the transaction happened on XX/XX/XXXX as soon as I noticed the unauthorized transaction i immediately reported it fraudulent charges on my account. I was told to wait till they were posted I then waited to XX/XX/XXXX XXXX contacted them again and reported the charges? My phone was stolen cards were stolen and account & XXXX account was hacked yes I did provide them with all the support evidence to support this claim. Today XXXX XXXX I was told I was denied when I had more than enough evidence showing I did not make those transactions. I know no one by the name XXXX XXXX XXXX  they are the people who stole, hacked my account & phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. Please update these immediately : 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 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 2022-03-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to a recent phone call with the collections department of XXXX XXXX XXXX XXXX, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. XXXX claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my Experian credit report ( attached ) XXXX has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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