BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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:
This compliant will serve as notice to Equifax that a lawsuit will be filed against you. On XXXX, XXXX, 2020. I requested Equifax to please research and investigate a problem on my credit report involving an account : XXXX XXXX # XXXX This account above is listed on my credit report as fraudulent and does not belong to me! Equifax sent me a letter 30 days later that arrived to me on XX/XX/2020 saying that " Equifax has verified - XXXX/XXXX  XXXX # XXXX - account belongs to me. '' I send out another letter on XX/XX/2020 to Equifax for the method that Equifax used to determine its findings. As per the FCRA, I requested for Equifax to send me this information within 15 days based on the information it used from the previous 30 day investigation. 

Equifax still has 15 days to send me these finds per the FCRA from the date received. Per the XXXX Tracking ID : XXXX from Certified mail with return receipt, this letter was **DELIVERED & SIGNED, XX/XX/2020 XXXX pm, XXXX , GA, XXXX. 

Equifax has until XX/XX/2020 to send this request per the FCRA. 

Today, XX/XX/2020 I received a letter from Equifax stating that they could not match my information per Category 1 ) IDENTIFICATION, and I needed to send my social security card in with ID. 

On XX/XX/XXXX, and XX/XX/XXXX, a drivers license along with my social security card was submitted with my requests. 

Equifax is showing that they WILL NOT investigate my request per the law as this information was already sent. THIS IS A VIOLATION. 

All correspondence from Equifax has been recorded, and will be used in my lawsuit against Equifax for violating my rights under the FCRA. 

Equifax this is my FINAL request for you to DELETE this fraudulent account that does not belong to me by XX/XX/2020 or send me the information that Equifax used to verify this fraudulent account by XX/XX/2020 or a lawsuit will be filed against you! 

Attached files will show all letters send by me that INCLUDES my drivers license and SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00}, XXXX XXXX XX/XX/2022, XXXX  XXXX  XXXX XX/XX/2022

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 2021-04-08
Company: EQUIFAX, INC.
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've written to this collection company to cease and desist and they still are trying to contact me. I do not have a contract with them nor do I owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.

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 2021-05-24
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MRS Associates put a already paid account from XXXX XXXX XXXX  on my credit reports on XX/XX/XXXX. This account was paid in full over a month ago in XXXX directly to XXXX XXXX XXXX so I never owed this debt to them ever. This is illegal and in violation of the FDCPA. This account should be removed not updated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$4500.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine

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 2019-02-25
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX sent me an invoice around XX/XX/2018, for a total amount of {$420.00}. For the past 4 months I have called XXXX 7 times asking for a detailed invoice showing the charges. So far I have not received the detailed invoice. 
They claim the hospital sent the invoice already, which I never received. 
My credit is now badly damaged, down from over 800 to now 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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2017-09-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
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 very unusual situation with Toyota Financial Services as XXXX lost a trade in car and Toyota ultimately held me responsible for it. We made a deal for a partial payoff amount to satisfy the debt but they have not accurately updated my credit reports as agreed. They are showing that the account is now closed but that I was delinquent in payments. This was not what was agreed when I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  : {$1600.00} XXXX XXXX  XXXX XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX  : {$0.00}

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 explanation
Consumer complaint received 2018-04-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
100 % HONESTLY TRUTH! 
Ocwen Loan Servicing Company and XXXX XXXX XXXX XXXX. 
Apparently, Ocwen came to my loan from out of no where- Ocwen has invaded my property located at ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) XXXX ). That Property has two original owners : XXXX XXXX XXXX Years old and XXXX XXXX. In XX/XX/XXXX, Ocwen Made or signed a fake or an illegal loan modification. However, the original owners did not sign it. But, has altered both XXXX XXXX and XXXX XXXX signatures. I have explained that to Ocwen 's Ombudsman office numerous times. 

Me, XXXX XXXX Original Owner signed at the closing in ( XX/XX/XXXX ) have never ever seen the modification document until after 3 years. I told Ocwen Ombudsman office that was done wrong but, let 's fix it ; Ocwen has refused to give us another chance. My Loan balance was only {$60000.00} then it now ( {$120000.00} ). Ocwen has never wanted to accepted less than {$10000.00} from me as payments. As a result, I never paid but I have the money available to pay my monthly obligation. This month, without notifying me ; I found out my property will be sold XX/XX/XXXX. That is totally wrong and illegal due to the S.A.F.E, RESPA, TILA, and HARP of XX/XX/XXXX-XX/XX/XXXX. I have begged ocwen to accept my monthly payments but they refused in order to steal it from me. Ocwen and XXXX XXXX XXXX XXXX are roping me. I am a U.S Citizen and I need help please! I am also contacting News reporters like XXXX, XXXX, XXXX, and the local XXXX News to explain my situation! And then, Ocwen 's Lender Place Flood Insurance XXXX XXXX/XXXX did not even visit the House after Hurricanes Irma even though I reported a loss Claim. 

Thanks a million!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: DISCOVER BANK
State: MI
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 belongs to someone else

Complaint:
I applied for XXXX easy pay deal and it said I was not approved due to applicant being deceased. I am very much so alive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX XXXX XXXX from XXXX of XXXX in XX/XX/XXXX. I purchased a Mechanical Protection Plan that provided {$5000.00} worth of insurance for damages to the car. I had called XXXX of XXXX and was told that this should be used at the end of the lease. My lease maturity date was XX/XX/XXXX. In XX/XX/XXXX, I realized that the expiration date to the insurance I had paid for over the past 3 years was expiring XXXX due to a mistake by XXXX of XXXX. Looking back through my paperwork, there were two items I signed for the insurance, one with the wrong expiration date, one with the right. They had messed up the initial form, but never sent the correct one to XXXX. Upon calling XXXX of XXXX in XX/XX/XXXX, they said that I should be okay as I had 60 days after the expiration date to make a claim and I would receive my final bill shortly after turning in the car. However, I had to call Toyota Financial Services multiple times starting in late XX/XX/XXXX and through late XX/XX/XXXX due to not receiving a bill. I finally received a bill today ( there is proof through the XXXX daily email my wife receives indicating what is delivered to our house daily that this was the first thing received from Toyota Financial in the month of XX/XX/XXXX or XX/XX/XXXX ). The due date was XX/XX/XXXX ( yesterday ) and upon calling they claimed that the bill was sent on XX/XX/XXXX and they won't extend my due date. However, I had called countless times in XX/XX/XXXX due to not receiving the initial bill they claimed was mailed to me and they confirmed this was in their notes. The letter I received was dated XX/XX/XXXX and they still refused to update the due date even though I had asked repeatedly for their help with not receiving a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX, XXXX Chase Payment Card closed 4 of my accounts with unjustifiable reasons. I have been working in a XXXX XXXX industry over 10 years. On XX/XX/2019, I have processed few test transactions to assist a merchant that was experiencing a technical issue with Chase payment. The merchant has contacted our customer service regarding only Chase Credit Cards being declining on his terminal. The problem didnt go away although we tried all the trouble shooting methods. Thats when we decided to test sale with our own Chase Cards.  Coincidentally, 6 of my coworkers who attempted the test sales were terminated the next day. This negatively affected my personal credit score. I have been contacting the Chase but no further reviews were granted. Here is the time line : XXXX, XXXX Chase Representative XXXX, XXXX Chase Card Processing XXXX XXXX, XXXX XXXX walked in to Chase XXXX XXXX, XXXX Authorized XXXX and opened the case the Reference number is # XXXX XXXX, XXXX Chase Branch Esclation Center XXXX # XXXX XXXX, XXXX Received a call from XXXX , there is nothing he can do advised to call XXXX XXXX XXXX, XXXX explained again, still declined. Will review again but most likey decline XXXX, XXXX received a call from number XXXX the final review has finished and decision is not to reinstate. Advised below adress for legal proceedings XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX, XXXX Chase Checking account was breached. Not sure if this is related. 
XXXX, XXXX Spoke to XXXX, Account Supervisor. Explained on going Chase card issue. 
According to XXXX, the account closure is due to not enough history on file. 
Provided Senior VP XXXX 's phone number. XXXX received legal address which mentioned above ( XXXX ) I am hoping to reinstate my Chase accounts and I can assure you that there is no risk involved with my credit cards. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: FIDELITY CAPITAL HOLDINGS, INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alarm Monitoring Services ( " XXXX '' ) located at XXXX XXXX XXXX N.E, XXXX XXXX XXXX XXXX WA XXXX, made alarm subscription charges which I disputed and I requested that the subscription be cancelled. 

When I disputed the charges, XXXX assessed three {$50.00} 'dispute ' charges and a {$500.00} 'collection ' fee, sending a collection letter ( attached ) through Fidelity Information Corporation ( XXXX XXXX  XXXX Phone : XXXX XXXX, CA XXXX XXXX ), demanding payment of {$840.00}. 

The total subscription charges in dispute total {$190.00}. Additionally, XXXX has applied {$150.00} in 'dispute ' charges and a {$500.00} 'collection ' fee, or {$650.00} total, added to the {$190.00} to equal {$840.00}. 

I have attempted in good faith to dispute the subscription charges through the proper dispute process via XXXX  XXXX XXXX. When XXXX sent the collection letter for the {$190.00} subscription charges plus {$650.00} in dispute/collection fees, I filed a XXXX XXXX XXXX ( " XXXX  '' ) complaint ( ID XXXX ). 

XXXX refused to provide XXXX  XXXX XXXX and Mastercard information regarding the {$190.00} in disputed subscription charges, stating in the XXXX  complaint response, it is not their 'policy ' to respond to Merchant disputes. 

XXXX made an offer to settle during the XXXX  dispute resolution process to 'waive ' the {$500.00} 'collection ' fee but that the remaining balance is due and owing. This offer was rejected and a counter offer, requiring the dropping of the {$150.00} 'dispute ' fees and paying {$69.00} of subscription charges. XXXX rejected this offer and stated they are proceeding with collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from American Coradius International LLC, both asserting XXXX XXXX XXXX as a creditor. The XXXX amount was {$620.00} and the American Coradius amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 I applied for an American Express Everyday credit card. I did the application online and was approved immediately. The credit card offer I applied for and was approved for was spend {$2000.00} within 90 days and receive XXXX membership rewards. I did charge the {$2000.00}, in under 60 days and have already paid {$1200.00} of the charges and have a pending automatic payment on the card. I called into XXXX on XX/XX/2018 to confirm I had met the spend requirement and to find out when my welcome bonus would post. XXXX informed me that upon further review they were denying my welcome bonus. I asked to speak to a supervisor, and I spoke to a man named XXXX. He said in their terms and conditions they had the right to deny me the welcome bonus for various reasons. They claimed I had abused XXXX welcome bonuses in the past. This is simply not true and I feel like they did a bait and switch offer. Had I not been eligible for the bonus, they should have told me that upfront rather than after I met the spend requirements. They kept citing the terms and conditions of the card, but there are no specific rules, instead they say it's at their discretion. That is a completely unfair practice and it's completely arbitrary on how they implement the rule. They essentially said we're required to keep a charge card that has an annual fee forever or they will ban consumers from receiving future welcome bonuses.

Company response to consumer: Closed with explanation