BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: United We Collect, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have an identity theft incident. 

On XXXXXXXX XXXX XXXX, I was charged {$740.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individual had my full name, birth date, and social security. 

Since XX/XX/2022 and present time, I have received numerous letters. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United We collect Inc. 

I have called XXXX XXXX  and requested a dispute. I have reported identity theft to XXXX XXXX XXXX XXXX and was told that this was just a scam. But problem has not been resolved

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX : XXXXXXXX XXXX speaking for myself in this claim. PORTFOLIO RC is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. PORTFOLIO RC is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to PORTFOLIO RC for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will fully exercise my rights and seek remedy in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: ALLY FINANCIAL INC.
State: TX
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 explanation
Consumer complaint received 2022-10-25
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Prestige Financial : I have been dealing with Prestige for some time now. I stopped responding to them when they started calling, texting, and harassing me while I was at work. They also send emails to me with the wrong vehicle and amount listed. I was working with a lawyer with them to try to settle the debt but when I last reached out to the lawyer he has retired and a new lawyer was assigned to my case from another firm. I was never notified of this change until I recently received a garnishment notice the total balance was $ XXXX after the car was sold. After the fee, it went back up to XXXX. After receiving the wrong payoff amounts and the wrong information in the emails it became confusing on what to pay and who to believe each employee has a different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Hillcrest Davidson & Associates
State: KS
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:
The salesperson for XXXX XXXX XXXX said their company would buy out my existing security system contract. They did not. I was approached at my home by two salesmen from XXXX XXXX XXXX on Saturday, XX/XX/XXXX. I told them I had a security system ( XXXX ) and my contract was in effect until XXXX, XXXX. The main salesman assured me that XXXX would take care of the switch/buy-out my contract, etc., with XXXX and that I need do nothing. I agreed to switch companies, signed a digital copy ( no paper contract was received ), they installed the equipment, and a few days later, the monthly fee was deducted from my bank account. It wasn't until a couple of weeks later, when the XXXX monthly fee was deducted did I realize there was a problem. I contacted XXXX and they knew nothing of the switch. XXXX also claimed I had made a verbal agreement with them in XX/XX/XXXX to extend my contract. ( I had no recollection of this, but that is another story. ) A XXXX technician came to my home to uninstall the XXXX XXXX equipment, which I still possess, and install new XXXX equipment. After multiple conversations with both companies over several weeks, I forwarded the buy-out statement and new contract with XXXX to XXXX XXXX. XXXX XXXX contended I still owed them money and on XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, from a collection agency representing Fluent Home, stating that I owe them {$2600.00}. I called the called the agency and was given the offer to settle for {$1700.00}. I was also told that since XXXX salespeople work on commission, they can tell the customer anything to get them to sign up, and the company has no obligation to stand by the salesperson 's word because it is not in the contract. I did not receive a paper copy until I requested one from the company weeks later. I offered to pay 40 % of the amount they are requesting, mainly because I was too trusting and completely foolish, however, they provided me with only three weeks service, which I paid for. I consider what they are doing to be extortion and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for eight ( 8 ) years.

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after seven years.

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

Thank you for your cooperation and prompt 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 2023-05-02
Company: Medical Data Systems, Inc.
State: NC
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:
XX/XX/2023 XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical Data Systems : XXXX XXXX XXXX, XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 19034 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent!

I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Eastern Account Systems of Connecticut, 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:
This collector is not licensed in my state. Under the Fair Debt Collection Practices Act. Im not liable for this debt with Eastern Accounts System. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My funds were often frozen after I deposited them and I was unable to access them for a long time. My ex husband was allowed to overdraft on my account even though he was removed as an account holder prior. My account was wrongfully charged monthly fees even though I used my debit card more than XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: CO
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it 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 2020-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
However I have not had any account and inquiries with this companies. I dont believe that this account are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with 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. All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: OK
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:
1. I requested a copy of my report from NCTUE aka National Consumer Telecom & Utilities Exchange , Inc. 2. I received that report dated XX/XX/2018. 3. There was incorrect information on the report. 3. On XX/XX/2018 I mailed back to them their form for disputing items. 4. They sent back a letter dated XX/XX/2018 requesting a copy of my Social Security card and a copy of a utility bill. 5. On XX/XX/2018 I returned a copy of both to them. 6. Next I received a letter from them dated XX/XX/2018 offering to sell me a copy of my report. 7. As of today XX/XX/2018 they have not done anything to investigate my complaint about incorrect information on my report. The company is XXXX that I am disputing. The 3 major credit bureaus have removed XXXX from their reports. I also disputed XXXX with them. 8. My complaint here is I can't get them to even investigate my complaint much less remove it. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: TN
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 explanation
Consumer complaint received 2020-12-17
Company: PENNYMAC LOAN SERVICES, LLC.
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:
My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have high BP from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. PennyMac is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and TransUnion ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided 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 non-monetary relief
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: CT
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:
A collection from XXXX is on my report. I did not have an account with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Please see attached documents. In a nutshell, Card Benefit Services, on behalf of JP Morgan Chase Bank has refused to pay a valid claim for trip reimbursement expenses as set forth in the " Guide To Benefits '' associated with the Chase Sapphire Preferred Card. Each time I met their request for additional documentation, the representative would give another excuse as to why the claim could not be paid. This has been ongoing for the last 10 months.

Company response to consumer: Closed with non-monetary relief