BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
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 am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Equifax can claim to verify this alleged debt when the Collection Agency itself obviously can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XXXX XXXX XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXX XXXX  again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action.

If you continue to list the disputed item on my credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been banking with Bank Of America for years. I deposited a check on for {$940.00} that was a paper check from XXXX. Bank of America took 14 days to clear my check. They informed me on the customer service line it was because the Federal Reserve would not clear the check for 14 days. I contacted the Federal Reserve and they stated that the only way a check should be held for more a few days is if you just open your account with 30 days which I have not. I contacted the customer service and asked to file a complaint. I was informed that they take complaints but you never hear an outcome or resolution to the complaint.

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 2019-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we received notification from XXXX  XXXX XXXX  that our mortgage servicing was transitioning to Select Portfolio Servicing effective XX/XX/XXXX. On XX/XX/XXXX, once we verified the mortgage service moved, we paid our mortgage in the amount of {$1600.00} which they deposited on XX/XX/XXXX. We have paid our mortgage on XX/XX/XXXX and you deposited it on XX/XX/XXXX in the amount of {$1500.00} and on XX/XX/XXXX we paid {$1600.00} and on XX/XX/XXXX we paid {$1700.00} and our mortgage remains current and paid according to the invoices they send out on a monthly basis. 

On XX/XX/XXXX, SPS transferred {$1900.00} to XXXX XXXX for our homeowners insurance that they labeled as hazard insurance In XXXX, we moved our servicing of our homeowners insurance to XXXX XXXX and informed XXXX  XXXX that we would be paying directly to XXXX XXXX to earn discounts as we arranged all our insurance needs under one umbrella. XXXX XXXX is our insurer today. The payment SPS sent on XX/XX/XXXX from our escrow was made in error, we pay XXXX XXXX directly. Our XXXX  XXXX  agent confirmed that on XX/XX/XXXX they returned the funds to SPS Select Portfolio Servicing. Those funds were returned to SPS in XXXX and they withheld the funds from our account for 3 months. 

On XX/XX/XXXX, SPS sent a refund check in the amount of {$1300.00} which is {$620.00} short of the overpayment. We have served SPS with 2 notices of error regarding this matter. SPS fraudulently took money from us that was an overpayment of our Homeowners Insurance when we owed nothing to them as our mortgage and escrow accounts were 100 % current based on their billing. We believe that SPS took {$620.00} in funds, without explanation, to insert into an Escrow account and boost the value of the account ahead of schedule and we believe this a breach of contract on our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made payments to Capital Accounts in the amount of XXXX ( receipts attached ) for a dental bill that XXXX XXXX XXXX has turned over to Capital Accounts. The original bill is XXXX. The original letter from Capital Accounts stated I owed XXXX with interest charged to the XXXX. After paying the XXXX a balance of XXXX remaining. Today I called Capital Accounts to offer them XXXX to close the account. The representative refused and also stated my balance is over XXXX. I asked to speak with a supervisor or manager. The Representative stated that he was the supervisor and they do not settle accounts. Capital Accounts is charging an extreme amount in interest keeping me hostage to a debt already paid. 
Originally XXXX XXXX was never owed this money, because they did not complete the work leaving me to seek another dentist ( XXXX XXXX ) completed the work ( both original bills are attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has sent me a letter telling me that it was being returned to them because a bad address. This debt doesnt belong to me they even spelled my name incorrectly. im going to include all the letters they sent or say they tried to send me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I got scammed by an online scammer a month back ( XX/XX/2018 ), i sent money using the cash app mobile application. The scammer never delivered the product. i realized i got scammed and while the transaction was still pending i called my bank to help out. They said if i file a claim they ll take care of it, which i did. After a month now they rejected my claim, saying only the cash app can help out. When i contacted cash app they say only the bank can help out. Im stuck in this not knowing what to do.

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 2019-02-12
Company: Perfection Collection
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a voicemail message from Perfection Collection stating " this is a call regarding field documentation I have here for you that requires your signature so you need to be available. Make sure you have a photo ID and a witness present. If you're not going to be available today you must get in contact with the filing office directly to avoid any further action being taken. Their number is XXXX. Make yourself available. You have been notified and I will see you shortly. '' This same message was also left on the voicemails of my stepfather and ex-mother in law. The message to my stepfather also stated that if I did not get in touch with the filing office immediately it would be considered a " mark against me. '' They called me in a panic because the message implied it was a law enforcement agency. I have never been left a voicemail by this collection agency before, nor have I received anything in the mail regarding the debt. This was my first communication with them. When I called them back to find out who this was and what it was about, they refused to send me anything in writing. I spoke to Ms. XXXX and was told if I didn't pay right then, I was refusing to cooperate and I better have a XXXX good attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with XXXX XXXX, Equifax and XXXX but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Avadyne Health Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to call me, even though I'm already making automated debit payments monthly from my checking account.

Now they have started calling me at my place of employment. THEY ARE NOW HARASSING ME AT WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX, XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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:
XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
transunion, has 2 inquiries on my credit report without my permission. transunion has not answered my letter requesting method of verification. XXXX XXXX and XXXX. transunion only tells me the information was verified and then sends me nothing else after 45 days has expired. the are in violation of FCRA, and still have not send me anything

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 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX-XXXX ...., XXXX- XXXX ...., XXXX XXXX XXXX-XXXX ...., XXXX XXXX- XXXX .... Transunion has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to e-Oscar or any sort of automated verification. Again Transunion failed to comply with FCRA section 611 ( a ) ( 1 ) ( A ) and is continuing to further damage my ability to secure credit. Transunion has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.

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 2018-03-25
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe that AES is trying to collect on a student loan that was payed in full. The original loan was made with XXXX XXXX. The following accounting is from AES ' own website which I have attached. On XX/XX/XXXX, the loan was consolidated in the amount of {$21000.00}. On the same date XX/XX/XXXX, the next entry indicates an adjustment and a balance of {$19000.00}. The following payment onXX/XX/XXXX brought the balance to XXXX. On XX/XX/XXXX, I paid the amount that was due, {$19000.00} which is the sum of the displayed principal balance of {$19000.00} plus the interest of XXXX. At the time I made the payment I was in deferment status. I began receiving notices from AES in XX/XX/XXXXstating that I owed no money. In XX/XX/XXXXof last year, XX/XX/XXXX, I began receiving bills that money was due. In XX/XX/XXXX I called them to explain that it was my understanding that I did not owe any money because I had paid off the student loan years earlier. AES is currently stating that I owe a balance of {$1100.00} and interest of {$700.00}, interest rate 4.875 % and with late fees and accrued interest. With a Due date of XX/XX/XXXX. I spoke with them again FridayXX/XX/XXXX again requesting the accounting. What I am looking for is a detailed accounting of the loan history. I am upset that after 12 years they start billing and demanding payment. They are unable to explain the details of the money that is due. They never explain the triggering event of why after 12 years this became due. I checked the nslds.ed.gov website and the {$1100.00} is in fact in that system. If there IS that balance due that may have been owed, they never have been able to explain where that balance comes from nor the accrual of interest and the calculations used to demonstrate the accuracy of this billing. I am willing to resolve the matter, but I believe it is reasonable to expect that the billing agent demonstrate how their alleged balance has been calculated. In lieu of full payment, the threat of further penalties and interest absent this accounting feels more like extortion than a sound and reasonable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2021-08-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my profile and info page on Experian they have me as unemployed and no job or occupation. I work full time as a XXXX XXXX XXXX  for XXXX XXXX. I want lenders to see that I'm working and always do. So all I need them to do is update my profile with true and accurate info regarding my employment. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I just discovered multiple, unauthorized transactions on my Chase Checking account from XXXX. I contacted my bank, Chase and spoke to XXXX Chase Bank Representatives about the 36 unauthorized charges from XXXX, XXXX CA. Chase Bank Representatives looked into the charges on my checking account and transferred me to the Claims Department. The Claims Department Specialist closed my chase credit card and put in another new card for me to receive. I received the new Chase credit card on XX/XX/19. I explained to the Chase bank Representatives that I did not makes any purchases with XXXX nor use my chase credit card on XX/XX/19. However, the unauthorized charges from XXXX are still on my Chase Checking account. Chase Bank allowed XXXX XXXX to withdraw all of my funds out of my checking account. I am in the negative status. Why would Chase Bank allow XXXX to gain access to my funds that is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a letter from XXXX concerning a debt that is not mine from XX/XX/1999. I called and told them this debt was not mine and it needed to be taken care of immediately to ensure I did not receive any further correspondence. The woman I spoke to said needed to dispute the charges. This is the 3rd time I have had to deal with this company ON debts and I am really tired of getting collection letters from them. I ended up having to pay for 2 accounts that had already been paid the last time. I do not intend on paying for something that is not mine and especially for the year XX/XX/1999 nearly 20 years ago. This is ridiculous. They need to be investigated and stopped from harassing people for things they do NOT OWE.

Company response to consumer: Closed with non-monetary relief