BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Certegy Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received numerous letters in the mail, along with phone calls, from a company called Certegy Payment Solutions , LLC, out of XXXX FL, since XX/XX/XXXX, requesting collection of two unpaid amounts to XXXX XXXX, for web services. They continue to harass via phone and mailings. I have checked my account statements and GoDaddy.com account, and the payments were auto-drafted on the stated dates, XX/XX/XXXX and XXXX, XXXX. 
I have had XXXX services since XXXX, and have my payments auto-drafted from my account. On XX/XX/XXXX, I contacted the billing department of XXXX to get further information on the issue. Billing stated they do not send out any debts to collections agencies, only terminate accounts when unpaid. I was informed, companies like this steal information from websites and create false paperwork to fool people into sending in money without any investigation into the matter. 
This is a scam and disregard all mailings and calls. I have asked them to stop via mail and phone three times, but they continue to harass with false information, using my bank name and XXXX within their mailings and phone calls. On XX/XX/XXXX, Certegy Payment Solutions attempted another phone call and I was able to speak to one of their representatives, who was requesting my full social security number. 
I have full proof of full and proper payments for XXXX services and this is a terrible and deceitful scam to consumers.

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 2019-09-25
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, They opened a collection of {$420.00} without giving me any information. Also, on XX/XX/XXXX, they opened a second collection of {$400.00} which I do not know. Those collections ate up my score years and years without letting me know till I have a XXXX  XXXX account. Please help me to remove those derogatory marks?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: GULF COAST COLLECTION BUREAU, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
" Gulf Coast Collections Bureau '' called to collect a debt. I had missed the phone call, so when I called back the representative would provide no information on the reason for the call. I was asked repeatedly to verify personal information. I stated that I was uncomfortable verifying personal information over the phone to an unknown party with no stated reason for calling. Representative disconnected the phone. 

I called back a second time and a representative picked up the phone and said " XXXX '' and disconnected the phone. 

I called back a third time to speak with a supervisor who refused to provide me the reason for the call and again asked me to verify personal information. 

No professional license number was provided by the supervisor nor was the reason for or the 3rd party for whom said debt was being collected. 

The supervisor suggested that I request to be placed on a " no call '' list which i interpreted as a manipulative way to threaten my credit rating. If a debt were legitimately being sought after, this would most certainly damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: SL Finance LLC
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX through SL Finance contacted me stating I qualified for student loan forgiveness and that he worked with my service loan provider. I completed paperwork and was told they charge for so many months then my student loan would be reduced. They had my employer complete paperwork. I was notified through XXXX that this was suspicious and a scam. I contacted XXXX to let them know and will be calling my bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Collectibles Management Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2017-07-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.

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 2022-12-12
Company: EQUIFAX, INC.
State: MD
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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

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 2022-12-12
Company: EGL US, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted the company in regards to the account the company could not give me any information in regards to when the account was established or what address is connected to the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting a one-time 30 day courtesy foreclosure postponement, for the reason that the I was advised I was unable to use my husband 's income, XXXX XXXX XXXX, as a source of income. 

Chase failed to : Ask for my ( husband/contributor ) XXXX XXXX, income documentation. 
Did not request a non-borrower contribution form. 
Did not request for proof of occupancy from the contributor/husband. 
Did not ask for his tax returns or a 4506-T I've faxed in a completed application for a loan modification and/or a repayment plan agreement. 
I am requesting that my family and I be granted a one time foreclosure exception request in order to review our application and forward to the Loss Mitigation department, in order for the account to be assigned to a case manager and forwarded to a team member within Chase 's Underwriting team. 

This account has never been granted a foreclosure postponement in the past. 
I was denied the opportunity apply and use my husbands source of income. 
This account has not been reviewed in the past for a short sale/DIL review, in the event the account is not eligible for retention option. 

Documents Attached to the fax sent to Chase are as follows : Foreclosure Postponement Request Complete Loan Modification and/or Repayment plan application. 
Non-Borrowing Contribution Form ( husband ) 4506T for Note holder 4506T for Non-Borrowing ( husband ) 2018 1099 for Non-Borrowing ( husband ) 3 to 4 month Profit and Loss for Non-Borrowing XXXX husband ) 5 most recent consecutive check stubs from employer for Non-Borrowing ( husband ) Social Security Award Letter for Note holder 1 Bank Statement Cycle reflecting proof of SSI deposit for Note holder 4 Bank Statement Cycles reflecting proof of employment deposit for Non-Borrowing ( husband )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: VA
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 a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2021-02-02
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:
My rights under the FCRA are being violated. Not only are these accounts not mine. I have not supplied proof under the doctrine of estopple by silence Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Not only that but section 15 UCS 1681 ( 2 ) excludes the reporting of the transactions with corporations.

as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.. 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.

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 2022-12-12
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PLEASE HELP ME UNDERSTAND THIS! THEY'VE FAILED TO PROVIDE ME DETAIL REQUIRED DOCUMENTS THAT I'VE ASKED FOR MONTHS NOW! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Completed a merchant financing application on XX/XX/XXXX for a new Amex Merchant Financing loan ( have had 4 prior loans, all paid off early, and all with perfect payment history ), and received an instant decline with the representative. Was told that they were unable to see any details, and that I would need to wait for a decision letter that could take up to 30 days to receive. When the decision letter was received, it stated that : 1. There has been a decline in your Merchant account 's last 12 months of Amex Transactions compared to the previous 12 months. ( our records indicate that there may be a decline by no more than {$2000.00} however the Amex manager states that what they see is close to 30k less. She states that since it is a computer based decision, they can not request our documents to show that they are not providing me with all of the accurate information ) 2. Your Merchant account does not have sufficient tenure with American Express. ( We have been members since XXXX, and this has not been an issue with prior loans ) 3. Your Merchant account does not have sufficient American Express charge volume. ( As stated above, numbers are not significantly lower, and we have been with Amex for close to 8 years ) The lack of response from Amex other than that a computer made the decision without allowing a chance for correction of false information is incredibly disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I went to my Wells Fargo online small business account on XX/XX/2023. It verified an available balance of only {$13.00} so I transferred {$150.00} from my Wells Fargo personal account THAT SAME DAY, making the Small Business account available balance {$160.00}. The next day, XX/XX/2023 my online account showed my check # XXXX in the amount of {$57.00} posted to my account. However, my {$150.00} transfer from my Wells Fargo personal account still had not credited, even though it was an electronic transfer from a personal account to a small business account, both within Wells Fargo bank. My {$150.00} deposit to my small business account being from one Wells Fargo account to another being an inter-bank electronic transaction, my {$150.00} deposit should have credited immediately, as it more that covered the {$57.00} check, therefore eliminating the charge of the {$35.00} for an over-draft situation.

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 monetary relief
Consumer complaint received 2020-01-07
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed a debt from a collection agency Aldous & Associates ; They keep trying to collect a debt I do not owe, they sent me paperwork from my gym with some scribble and said I owed this debt.. I contacted the original creditor XXXX XXXX and as far as I know the problem was fixed. I think a gym staff scribbled my name on a contract, I told Aldous & Assoc numerous time via phone that I would not pay this false debt. Their customer service person was rude and yelled at me to pay my debts. I mage a complaint with the XXXX and the FTC and Utah state atty gen office. no matter what I responded to them through the XXXX   they will not accept anything else but for me to pay. I notice they have numerous complaints with the XXXX   about Aldous & Assoc with similar circumstances. Now they have sent my debt to the credit reporting bureaus which has damaged my credit score. I have found through XXXX there a several legal agencies that specialize in cases against Aldous & Assoc. I have documents i attaching from the XXXX. Utah atty gen office and XXXX XXXX my current bill which I have XXXX balance and in good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, 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:
I called transunion and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy

Company response to consumer: Closed with non-monetary relief