BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: ProCollect, Inc.
State: IN
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:
Fraudulent debt collection practices  : PROCOLLECT IN  C  XX/XX/XXXX  to present  XX/XX/XXXX .      I previously filed a dispute and never received notice of outcome or request for further information with  XXXX  in  2016  once I received a letter from the aforementioned collection company informing me I owed them money on behalf of  XXXX   XXXX  in  XXXX   XXXX , IN  XXXX  ( I believe they are now run  by    XXXX    a Real Estate Company ). Th ey have changed companies many times since I lived their and were undergoing foreclosure/bankruptcy when I moved out after my lease was up.     The letter I received from PROCOLLECT stated I owed in excess of  1400.00 for  damages made to an apartment I hadnt lived in for months. I was NEVER contacted by the actual apartment complex or manager  XXXX   XXXX   ( who  I had many issues with over the course of my tenancy ). I immediately contacted the apartment complex, left messages and emailed asking to speak to the actual management company and not  XXXX   XXXX . The only call I got was from her and she refused to give me the number to contact anyone but herself ( we had some very real issues when she accepted my dog and falsified his breed on paperwork to get my deposit money and then subsequently told me he was not allowed to stay there due to his breed and I couldnt renew my lease, this was also after my neighbors dog attacked mine and he threatened me which resulted in his arrest and the removal of his dog ). That caused  XXXX   XXXX  some issues when trying to explain why she accepted my dog because of his breed. So at this point she was trying to cover herself and upset with me because I filed a report. The letter from collections stated I owe monies for damages to the apartment. I asked for proof of damages, pictures a signed copy of the move in and /move out walkthrough that they never showed up to complete upon either. I also again was never contacted by them in an attempt to collect any monies even though they had my address and phone number. They also did not list the  XXXX  pet deposit with my  XXXX  security deposit I paid. On the invoice I received from collections it wasnt listed as being deducted from the alleged damages. Neither company can provide any documentation to support these charges. I will also be filing a complaint with the better business bureau and contacting the newest management company in regard to this matter and detailing my interactions with  XXXX   XXXX . The only reason this ever went to collections is because I was never notified for a reason. Neither of these companies have any proof of debt other than  XXXX   XXXX  falsified invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-01-11
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for {$160.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SpeedyCash has attempted to extort me since XX/XX/2017 in XXXX Texas. Their tactics began when I began to work for XXXX and XXXX XXXX XXXX XXXX. Their tactics were aggressive and misleading. In order to continue their perpetuation of disrespect, they used countless area codes originating in places across the globe. They called from XXXX, XXXX, etc, in attempts to collect debts that, based on our written agreements, were paid off. 

I paid them what I owed, plus interest, however, once I moved into XXXX XXXX at XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX, they continue to call and beg for me to pay off what was already paid. I was a government employee, earner, and they knew I paid them enough. However, they have threatened to sue me over old funds and garnish my wages, even though, I have none due to their negligent and fraudulent acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank accepted an accurate credit card application from me, with my legal name and address correctly presented on the application. Chase Bank approved my credit card application. Thereafter, Chase Bank issued a credit card to me with my name misspelled and an incorrect mailing address. I have spent more than two months trying to get Chase Bank to correct THEIR errors. My husband and I have many accounts with Chase Bank, all of which have our names spelled correctly ( matching our government-issued ID 's ) and our correct mailing address on them. My nam hasn't changed since I got married 45 years ago. My address hasn't changed in more than 3 years. After several weeks of fighting with Chase Bank, they corrected my mailing address. Then, they forced me to complete a Legal Name Change Form and give them a copy of my passport. I did everything Chase Bank demanded. Finally, they corrected the name on my credit card. But, they sent the corrected credit card to the erroneous address, effectively nullifying all the work I did previously to get my address fixed! Now, they have altered my husband 's Chase Bank credit card mailing address also, putting an erroneous address on HIS account also! None of these changes were initiated by me or my husband. The misspelled name and the erroneous address data originated at Chase Bank and despite meeting with a personal banker three times at a local branch, and supplying evidence of Chase Bank 's persisting errors, we can not get Chase Bank to fix their errors. We fear this problem may have an adverse impact on our credit, as Chase Bank may report an erroneous address for us to a credit reporting agency. Further, we are not getting our mailed statements timely, due to the wrong address on our bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 accounts with XXXX XXXX that were over drawn and sent to collection. It took me some time, but eventually I settled on both debts. I and family members continue to receive phone calls about the debts from numerous agencies. The most recent agency is calling from XXXX-XXXX-XXXX. It took me approximately 2 weeks of 20 or so calls to actually reach someone on the other end of the line. Most times they would pick up and hang up almost immediately, or leave me on hold. The voicemail they have set up has been full each time I have called and not gotten through on hold. Today when speaking with them, the woman continually asked for me to provide the XXXX XXXX  account information. I declined and requested they provide an email address or fax for me to send the documentation I have to show the debts are paid. She disconnected the call. After I called back, she advised that she would not entertain it and she was filing the paperwork to the court and again hung up on me. As you can see from my documents, I have settled both debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: MO
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 am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account with [ Financial Institution or Company Name ]. Despite my persistent efforts and numerous communications, the unauthorized transactions persist, causing significant distress and financial concern.

Discovered unauthorized transactions on my account statement.

Immediately reported the fraudulent items to your customer service department, providing all necessary details.

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions.

Followed up with customer service to inquire about the progress, expressing the urgency of the matter.

Despite assurances, the fraudulent items remain on my account, causing additional stress and financial uncertainty.

The prolonged delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities.

I urgently request the following actions : Immediate and thorough investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and financial impact caused by the delayed resolution.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion, XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX I opened a dispute XX/XX/XXXX regarding an alleged revolving credit card issued by XXXX XXXX Bank XXXX The account is fraudulent and was obtained by fraud ... in other words I DID NOT OPEN THE ACCOUNT BUT IT IS ON THE REPORT. 

TransUnion decided that account is 'verified ' and when I contacted them, they demanded more information ( HOW? I DID NOT OPEN THE ACCOUNT! ), and then they hung up on me. 

I have the TransUnion File Identification Number for this dispute if needed.

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 2021-07-01
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:
I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving an offer to resolve a debt but it is not mine. I reached out to Jefferson Capital Systems a couple of months ago and told them this is not my debt. The creditor is listed as XXXX XXXX XXXX and I stopped banking with them years before they went out of business in XXXX. I closed out my account which was in good standing with no monies owed to them. I do not owe this money and do not want it to appear on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 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

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 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid off full amount ( with balance transfer ) and after balance and was paid BOA charged me interest fee {$74.00}. I am unemployed from XXXX of 2020 and I am not receiving unemployment either. BOA is creating hardship at the same time when our government is putting huge efforts to help us keep our kids fed. Also BOA released statement on XX/XX/XXXX of 2020 that they will help people during pandemic and dismiss charges like this one. Even with all difficulties we are facing and running broke we still decided to pay this of while we are just buying time and accumulating fees for balance transfers.

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 2017-05-30
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Negative derogatory marks has been placed on my credit file from a collection agency and is now damaging my credit ... i have no ownership of such debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts 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 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 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

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 2022-07-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX 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

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