BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-07
Company: Kriya Capital, LLC
State: PA
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  outright lied on a letter submitted to FCC, states that I called to reinstate service on tablet after I cancelled service. I never called to reinstate, consequently continues to bill my account, then placed account for collection with Credence Reaource Management. This is not a valid collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.

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 2020-03-07
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was originally created for a cell phone with XXXX. The XXXX network did not work in my house. Because fo this, the phone was returned 1 or 2 weeks later, and this account was paid off and closed. 

This account was paid off and closed within 1 or 2 weeks of being opened. I never used this XXXX account ( or any other XXXX account ) or the phone after this time. I switched to a different cellular provider that had service in my house. 

This account was paid off and closed, nearly 10 years went by before XXXX made any claim of an " outstanding debt ''. I do not owe XXXX any money. I closed and paid off this account within 1 or 2 weeks of opening it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I approved a chase ink preferred credit in XXXX. which is promotion XXXX points after XXXX spending in 3 months. I do see another offer XXXX points after XXXX spending when I received the credit card. I called customer service they told me I can match this offer when I finish My XXXX qualification. When I done for the qualification at XXXX. I called their customer service again. They changed mind they said I do not qualify this promotion. I used their credit cards and bank account almost 10 years. They are always my trustful bank since this happened. I think they promise this offer, they should honor what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ENCORE CAPITAL GROUP INC.
State: ME
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. XXXX XXXX removed a fraud account that did not belong to me last year when it was discovered during a routine security background check. I work in the XXXX XXXX and it was discovered that while I was working in XXXX and XXXX, somebody had opened a XXXX XXXX  account with my details without my knowledge or consent. They also removed the account from my credit listed by Midland Credit, who they had referred the fraud account to. 

On XX/XX/XXXX, XXXX XXXX and Midland began collections against me again illegally, and began reporting the fraud account against me illegally again. This is slander and XXXX. I gave them proof I was out of the country and I never opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Account Liquidation Services Inc.
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:
We received a letter in the mail from Account Liquidation Services , Inc. requesting my card information on XX/XX/2022. This letter was sent to my former address, therefore I didn't actually recieve it until XX/XX/2022. The letter stated there was a check used under my name, and was not honored by the bank, XXXX Bank. The check was written for {$41.00} used at XXXX XXXX. I've never heard of this Bank, nor XXXX XXXX therefore assumed this was a new scam. We called the Account Liquidation Services , Inc. and left a voice-mail on XX/XX/2022. We received a call back from Account Liquidation Services , Inc. today, XX/XX/2022. They confirmed they are in fact not a scam, and actually just received another check that not honored by XXXX Bank for {$100.00} at XXXX XXXX again. I have also never heard of this bank. I use a different bank, and have never written a check before. Account Liquidation Services INC. informed me that XXXX XXXX Is for XXXX XXXX The first check was used at XXXX  # XXXX. The second check was used at XXXX # XXXX. XXXX claims once they turn the check over to the bank, and the bank turns the faulty check over to collections, they are no longer able to help. Both of the XXXXs are located in Wisconsin. I work, and reside in Minnesota and have no need to go to Wisconsin and was not there the time these transactions were made. I called both banks, and they both claim to not have accounts under my name. XXXX Bank said they were probably counterfeit checks, someone forged my identity and they are not able to resolve this issue as it is a federal matter. I contacted our Attorney General office, and they referred us to this website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
When considering booking a flight on XXXX I was offered a promotion for a American Express card, offering both a waived annual fee, a {$200.00} credit and XXXX airline miles. When I clicked through to apply for the card, a popup said I was eligible to apply for the card, but not for any of the " welcome '' benefits due to either having had a similar card before or the number of American Express cards I've had in the past. It feels like a bait and switch, and the reasons for denying the welcome offer are vague. I contacted a company representative on XX/XX/2021, and they said " I'm sorry to hear that you are not eligible for the welcome offer. Within the message that you received it should have the reason as to why you are not eligible. I would not have anything beyond what the message displayed, I'm sorry. You are still able to go forward with the application if you choose and take advantage of the main benefits that the card has to offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent {$70.00} to Arinoli Andole ( XXXX ) through PayPal Friends and Family for 2 tickets to Excision at the XXXX XXXX  XXXX in XXXX, CO. I never received the tickets. Before sending money, I asked profusely if she was going to scam me. On XXXX, her name is " XXXX XXXX XXXX ''. She even sent me a screenshot of what was supposed to be a proof of purchase, so I assumed it was fine to send my money over. However, she or he must've digitally edited the screenshot to make it look real. This is the second time I've been scammed and would really like you guys to look into this and refund me in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been attempting to verify this debt ( XXXX XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not had any luck with a XXXX letter or verification. They only respond back that it's been verified instead of providing proof of how its been verified. I have been disputing to the credit bureaus as well ( XXXX XXXX XXXX ), that have this debt listed but not XXXX because they don't have it listed as it was removed.

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 2019-05-09
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account reporting with Capital Accounts partial number XXXX. This continues to report and it is actually past the statue of limitations. I have not been to XXXX. XXXX XXXX in over 7 years it actually closer to 8 or 9. For some reason this collection company is trying to report an aged 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 2018-10-06
Company: Navient Solutions, LLC.
State: CO
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:
In or around XX/XX/XXXX, my servicer, Navient, misinformed me in regards to my PSLF qualifying payments. They told me that I was in the correct loan program ( IBR ) to have my loans forgiven after 10 years. I was told I could submit my Employment Certification form at the end of 10 years and that I'd be in good shape. 

Additionally, in XX/XX/XXXX I received an email from Federal Student Aid and under the " What happens next? '' section it states : " It will take several weeks to process your form. If your employment qualifies, your loans will be transferred from your current loan servicer to XXXX XXXX. XXXX XXXX will determine how many qualifying payments you have made and will provide you with an estimated date when your loans may be forgiven. '' The part that further led me to believe I would be in good shape is the last sentence. From their wording payments made to any servicer would be counted by XXXX based on working for a qualified employer, and that I needn't fill out the form until I was hoping to have my loans forgiven. 

In XX/XX/XXXX I moved from XXXX to XXXX XXXX and decided in order to make my life easier I would have my employers in XXXX fill out the ECF. 

Navient should have informed me that I needed to have my loans transferred to XXXX, and that only after I've transferred my loan do my payments count as " qualifying payments ''. Because of their actions I made payments for more than 2 years did not count. If this is not addressed I will be required to pay thousands of dollars more towards my loan, and possibly tens of thousands more in tax liability when the loans are forgiven. I believe they gave me incorrect information as a means of keeping me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was sent a transfer from the XXXX to XXXX on XX/XX/2022. 
Sender : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Beneficiary : XXXX XXXX XXXX XXXX 's bank XXXX " XXXX Bank XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX CHASE XXXX TRACKING NUMBER XXXX Amount {$900.00}. 

The recipient 's bank was told to look for a transfer of funds from you because they did not enter their account. Tell me when they will do it and if they will do it at all? Thanks My e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting an inaccurate account on my credit. Equifax is reporting a hard inquiry from XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. Equifax is inaccurately reporting this account on my credit report and it is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXXXXXX and XXXX  XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 explanation
Consumer complaint received 2022-03-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Account status incorrect

Complaint:
Rushmore Loan Management sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that Rushmore is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not give consent to benefit from or utilize my authorized credit. According to 15 usc 1602g - the creditor refers only to a living person who regularly extends consumer credit. US Bank is in violation of 18 usc 8, 15 usc 1605, 15 usc 1666c, 15 usc 1692f, 15 usc 1692b, 15 us 1692e, 15 usc 1692b.

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 2020-03-07
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 belongs to someone else

Complaint:
I am a victim of identity theft. As a result of this happening to me I have had to deal with the aftermath of it for the past 3 years. ImDespite numerous attempts to resolve this matter, Equifax has done nothing but continuously report this fraudulent medical bill on my consumer file. When I contact them they say there is nothing they can do but file another dispute. Equifax has failed to positively verify these fraudulent accounts. And have ignored every attempt Ive made to resolve this matter. Please see attached documents of 2 separate police reports & detectives contact information. Equifaxs willful negligence and repeated violations has caused me emotional stress. Ive had to take off from work to deal with this. Equifax just refuse to do their job and follow the law. XXXX  and XXXX  has removed this and blocked this fraudulent account, however Equifax continues to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXXth, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/XXXX, I received documentation from Portfolio in the mail which gave detail about the charges I allegedly incurred. 
According to the details of the report, a letter from XXXX Bank was sent to a XXXX XXXX. The letter indicated that a XXXX account had been sold to Portfolio XXXX. The letter was sent to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX. In addition, the report shows dates of purchase to the following : XXXX  ( XXXX ), XXXX XXXX XXXX and XXXX on XXXX ), and XXXX  ( XXXX ). 

I provide the following information to dispute these fraudulent charges : Address : I have never lived at the address noted or any address in California. I do not have any relatives, friends or acquaintances at this address. 
I have lived at my current address since XXXX, XXXX. I can provide documentation ( license, voter registration, etc. ) The California address is an office building and included in the address is a XXXX XXXX. 
In XXXX, I was informed by XXXX XXXX that the above California address was listed on my credit report and that my XXXX email was on the dark web. 
I notified XXXX in XXXX of the erroneous address and changed my email password and/or used a new email address for many accounts. 
On XX/XX/XXXX, I filed a dispute with all three credit bureaus regarding the California address. I was informed that the dispute was rectified in my favor and the address had been removed. 
The XXXX account, associated with my current address and email, does not indicate an outstanding balance. 
I have not used this account for a number of years and thought, based on a letter received in XXXX, that it had been closed due to inactivity. 
My credit scores on XXXX, XXXX, and XXXX are very high and there are no outstanding balances except this account. 
According to paperwork Portfolio sent me, a payment of XXXX was made on XX/XX/XXXX. There is no history that I made this payment through my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-16
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

Company response to consumer: Closed with explanation