BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is trying to collect {$31.00} for an account over 17 years old! They dont even have my last name, just mailed it to XXXX XXXX at my current address. This was for XXXX XXXX XXXX XXXX. I told the collector I hadnt had that service in over 15 years and that the statute of limitations had expired many times over. 

Now theyve mailed another for XXXX XXXX. I did have XXXX  within the last 20 years but that was 3.5 years ago and XXXX sent me a refund because Id paid my final bill before my deposit was applied. I didnt address this one with them because Im already inundated with calls from XXXX and other unidentified numbers, even though Ive had this phone number for 16 years and been on the do not call list since its inception. 

The collection company is ERC, XXXX. XXXX XXXX XXXX fl XXXX. The phone number they give is XXXX. The correspondence address they give is XXXX XXXX XXXX XXXX fl XXXX. 

My credit report shows an on time payment rate of 100 % and I dont want it damaged over {$31.00} from 17 years ago when I no longer have records to prove I did or didnt pay this bill. This company is acting outside of the law and their tactics are sketchy and corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sequium Asset Solutions I never heard of, this company is trying to correct a {$970.00} payment from me. On XX/XX/2020, they had put this debt on my 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 2020-06-02
Company: Experian Information Solutions Inc.
State: ID
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:
These are not my accounts nor did I authorize these companies to run my credit. Please remove them.

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 2020-05-15
Company: ZIONS BANCORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My bank is California Bank & Trust. My branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. I cashed a check for XXXX in person at that branch. From talking to the customer service, the teller is supposed to call the bank where the check I cashed is from and see if there are funds available to cash. If the other bank does not verify funds for the check or is unable to provide verbal information the bank teller is supposed to tell me either of these things happened. The bank teller did not verify if the check had funds at all. They cashed the check without doing any due diligence and their reasoning is that it is fully my responsibility to know if a check has funds, not theirs. The check I cashed out got bounced back and nobody from my bank has notified me ; I only found out by looking at my online transaction records. The money was taken from my account and a service fee was added for {$12.00} for a returned check. 

I called customer service. It was after the hours my branch was closed. They said they have an adjudication process called XXXX. Its a complaint I file to the branch. The customer service representative sent it to my branch on my behalf and they will receive it when they open tomorrow. The branch manager at that exact location only is responsible for adjudicating it. I asked the customer service representative if there is any adjudication process in the company that does not involve a bank branch adjudicating itself. I could not get an answer because the customer service representative does not know despite working in customer service. I later called the bank branch and they can only get a supervisor to speak to me the next business day. They can not get someone who does not work in the branch to adjudicate the situation that happened at the branch. The customer service representative admitted that if the bank adjudicated against itself it will get in trouble because it could possibly have cashed a bad check without telling me about it. MY QUESTION IS : how can I get an adjudication process that does not involve a bank branch judging itself? This means the bank may not be impartial when judging itself because they will get in trouble with district or corporate management if they rule against themselves.

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 2020-10-27
Company: EQUIFAX, 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:
I asked that the company prove that they are compliant in reporting items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX  I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.

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 2019-03-08
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Loan company called my wife who is not on the loan documents and without my consent and discussed balance, payments, etc. I believe they did not respect my rights as a consumer and my privacy was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a 1099-C form from JPMorgan Chase in XX/XX/XXXX stating that this debt was cancelled XXXX. This is not accurate. They are attempting to issue a 1099-C for an old debt. This was charged off by Chase bank in early XXXX, during a period of years that I was insolvent. After charging the balance off, Chase then passed the debt on to multiple collection agencies to collect ( including XXXX XXXX. and XXXX XXXX XXXX ) from XXXX through XX/XX/XXXX when I filed ChXXXX Bankruptcy which ended all collection efforts by Chase and any collection agencies from that point on. The debt was cancelled over eight years ago. This is nothing more than Chase sending out 1099-C 's for Zombie debts with the intent to harm consumers. This behavior is no different from that of a debt buyer. 

In addition to the incorrect date that they are attempting to claim that this debt cancellation was supposed to have taken place in, and more importantly, the amount that they have indicated is false. As stated on their own form, by law the amount can only include any unpaid PRINCIPAL BALANCE of a debt that is forgiven. That is purchases and cash advances only. Interest, finance charges, penalties and fees are not income and have no tax consequences and can not be included in the total. They are falsely stating the amount of {$3400.00} which includes a substantial amount of interest, finance charges, penalties and fees. Most of which had incurred over a period of multiple years. 

A quick XXXX search shows that this is not the first time Chase has done this to consumers and I am not the only one to receive very outdated and inaccurate 1099-C docs. 

By sending this inaccurate and false document Chase is not only attempting to force me to claim this as XXXX income, ( which it most definitely is not ) they are directly preventing me from being able to file my taxes. This is quite harmful to me. 

Chase needs to rescind the XXXX 1099-C that they issued. They need to do so quickly so as to allow me to file my taxes on time. 

( To note, Chase did not provide an address with which to contact them in their forms ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, Experian, XXXX  and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Using XXXX  to connect my PNC Account to my XXXX account, It Will NOT work for me. It goes through all the steps but at the last one, verifying my mobile number, it says PNC has made changes to stop the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Reliant Capital Solutions, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2014 I sent numerous emails to my advisor at XXXX XXXX XXXX University. I was a new student attending classes online. It was an attempt to complete my degree after a XXXX XXXX XXXX. Within a week I knew I had bitten off more than I could chew. I emailed stating that I wanted to drop my classes because I wasnt able to keep up and was having bad headaches. I received a response that I could take my time with assignments and drop one of the classes. My response was that I wanted to drop all classes and continue at a later date. My body was telling me that I wasnt ready, and the stress of the quality of the work I put forward was unnecessary to deal with. I sent many emails and left a message asking for my classes to be dropped. If I were able to drop them on my own I would have. I didnt hear anything back until after the cutoff deadline. I was I informed that if I withdrew Id be responsible for paying the tuition because it was after the drop deadline. I emailed stating that wasnt fair as I had attempted to withdraw before the deadline, and I was unemployed so had no way to pay the tuition. Thus why I was receiving Financial Aid. I wasnt withdrawn from classes and I didnt attend either. Account was sent to collections for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Consumer Financial Protection Bureau : I was sued in small claims court by XXXX  XXXX and went to court on XX/XX/XXXX. The collection agency that took me to court was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed bankruptcy in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX bankruptcy on XXXX of XXXX. There was no way that four months later after Chapter XXXX discharge XXXX XXXX nor would any other credit card company extend me any credit let alone a high balance of over {$7600.00}, which they stated I owed. I went and filed an identity theft report with The XXXX police department to have them investigate if anyone was using my identity because the Collection Agency insisted this was a new account opened and I know I did not do it. I presented all evidence in court and the Collection agency presented their evidence. The judge agreed with me that there was no evidence that this was a new account and the collection agency could not present a contract, any receipts or evidence of payments from me during the XXXX XXXX time period that I supposedly paid on the account. The judge dismissed the case and asked that the case be removed from the docket of the Court and all cost incurred be taxed against XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX removed the Collection Account from my credit report and XXXX XXXX closed the account and removed the negative account from my credit report.

The Problem I am having is with the Collection agency Portfolio Recovery, LLC. Without any notification or opportunity to present my information to dispute the validity of the debt, Portfolio Recovery has put this old collections account, which has run the statute of limitations, been ordered removed from my Credit Bureau report in court, back on my report showing the account opened in XX/XX/XXXX. I have written the three Credit Bureaus on several occasions asking that this account be removed. I have sent a copy of the Judges order and even asked how a Collection company can collect on an account that has been removed from my Credit Report by the original creditor, has inaccurate dates, be allowed to remain on my Credit Bureau files. I am repeatedly told by the Credit Bureaus, that the account has been verified. Please help me with this issue. It is causing me harm and disqualifying me from promotions on my job and all types of credit rejections all because this rogue company feels they can just take advantage of the consumer and violate the Fair Credit Reporting Act. I had never heard of Portfolio Recovery until they showed up on my Credit Bureau reports, which I went to court and did all I could to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. I was denied an extension of my credit although I am the original creditor and provided my social security card number and XXXX benefited from the consumer credit transaction and I did not. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Rosebud Economic Development Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company call me at work. I have told them I can not get calls like this at work. XXXX XXXX calls me and I ended up having to hang up on him because even though I told him I am at work he just kept on talking. Calls to my work need to be stopped or I will lose my job. Their number that he called me from is XXXX - XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: RentDebt Automated Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed at least three disputes with Rent Debt Automated Collection XXXX, XXXX, XXXX  and XXXX  with regard to an erroneous, fraudulent item being reported by Rent Debt to my credit file. In each of the disputes I have stated that I did not sign any purported lease at anytime and I did not or do not owe any debt to Rent Debt. Although I requested verification of the debt and disputed the debt back in XXXX, XXXX XXXX failed to provide verification or validation of the alleged debt. I have filed and requested disputes under Section 609, 611 FCRA and The FDCPA and never received any sort of documents or opportunity to. Dispute the debt or proof that I owe the debt. Recently, Rent Debt sent me a document consisting of only one page, not executed and bearing a fake signature claiming to be mine. 

I am enclosing my fourth notice of dispute, my executed affidavit and demand that this erroneous item be immediately removed from my credit file based upon the violations of Rent Debt, XXXX, XXXX  and XXXX  to comply with The Fair Credit Reporting Act Sections 609, 611 and The FDCPA. Please find the attachments to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a Chase Sapphire card to qualify for bonus points that Chase was offering to new cardholders. I was called the next day by a Chase representative telling me that since I already reached the maximum credit line from my 3 Chase cards, they would have to allocate some credit from one of my existing cards in order to open the new card. I agreed and moved {$5000.00} from one of my credit lines to the new card. 

I later checked my credit score because XXXX XXXX sent me an alert. Chase did a hard pull on my credit and dropped both of my credit scores from XXXX down to XXXX even though they did not extend me any new credit and merely moved my credit from one card to another. 

I reached out to Chase and the Credit reporting agent that I was transferred to was rude and condescending on the phone, while providing absolutely no attempt to help me out. 

Chase has also been locking my cards seemingly at random due to " fraud detection '' even though I've been only using my cards on the same websites, and near where I live. Previously, I've also tried to get them to honor their card benefit of covering the return of a product that the seller refused to refund, and Chase was unwilling to reimburse me in spite of several attempts at contact and speaking to several agents. I have never missed a payment, or made a late payment to Chase and have been a customer with them for over 12 years but will be moving my business elsewhere because they clearly have no regard for customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation