BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i started my letters with SOUTH MISSISSIPPI COLLECTION ON XXXX XXXX asking for the validity of debt about these alleged debts of XXXX, {$150.00} that i don't owe.they never sent me the information that i requested, so i sent another letter on XXXX XXXX asking for more information that i never received.they have violated the 30 days to respond to the consumer and these inaccurate and incomplete items should be deleted ASAP before i turn this matter over to my attorney.XXXX XXXX XXXX sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$550.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTIONS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
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: Their investigation did not fix an error on your report

Complaint:
My information was exposed by the Equifax data breach and items are still being reported on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: IL
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 have a an account on my credit in the total of {$3800.00} of which states it is a joint account. Which is false. Through contact with the company whom filed this collection, I received an email of the notes they've taken. In the notes I left the apartment XX/XX/XXXX To move out of state. In the notes in states that both parties agreed that I was removing myself off the lease. Which the apartment was then left in the hands of the other tenant since I had moved out of state 2 weeks later. Which I was staying with a friend during that time. XX/XX/XXXX the current tenant had a 48 hour  eviction notice. All of the responsibility was left over to the other tenant ( s ) after I removed myself off the lease. I have the notes in an email sent by the company, I have proof I was living with a friend, and I have proof I moved out of state. This charge is false and should solely be in the other persons name.

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 2020-05-03
Company: Experian Information Solutions Inc.
State: HI
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 call, sent letters to Experian to remove and delete. This is not my account They are not following rules at all

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 2018-03-19
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$360.00} americollect. 
ive disputed wit them several times and its still on my credit report. 
they cant validate it was me. 
this is not my 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 2020-05-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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:
My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off a line of credit with Citizens One on XXXX via phone and requested my account be closed. I called again on XXXX as account had not been closed and was told I needed to call back 30 days from payoff date to request. I called on XXXX and again requested the account be closed and was assured I would receive an e-mail confirmation within a week. I called yet again on XXXX as the account still remains open and was told a supervisor was now involved and expediting my request and that I should receive an e-mail confirmation within a week once the account was closed. As of today, XXXX the account has not been closed. PLEASE HELP ME CLOSE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
On XX/XX/2021 I wrote a letter to Midland Credit management requesting validation for an account they have listed on my credit report, I specifically asked for validation bearing my signature showing that I have ( or had ) some contractual obligation to pay them. I also requested that if validation was not provided removal of all entries to the credit agencies must stop pending the out come of the investigation. As of XX/XX/2021 the validation has not been provided, Midland continue to report to the credit agencies which is a violation of the Fair Debt Collection Practice as well as the Fair Credit Reporting Act, I'm respectfully seeking your assistance in resolving this matter. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Beginning in XXXX or XX/XX/XXXX, I have received numerous phone calls from Portfolio Recovery Associates, alleging that I owe a debt of {$550.00} to them, which had been placed in their office by XXXX XXXX XXXX XXXX  XXXX XXXX. Ever since the first time they contacted me, I have disputed the amount owed. Every person I talk to provides a different explanation, and nobody seems to want to resolve the issue. 

This was a secured credit card, and the amount they are saying I owe does not have the security deposit applied to it. The security deposit that I paid to XXXX XXXX XXXX XXXX XXXX  when the account was opened in XXXX, was never applied to the account in any way, nor was it returned to me. 

I had successfully had this debt completely removed from my credit report, because the amount is incorrect, but somehow Portfolio Recovery Associates placed it back on my credit report. They refuse to see that the amount is incorrect, and nobody wants to help me. 
They have been given over a year and numerous opportunities to fix this. I am hoping that the CFPB can help me finally resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I get approximately 8-10 calls a day not 3 mins goes by and they keep calling some calls from unknown number and other numbers appearing from out of state the numerous calling throughout the day is ridiculous and has reached harrasment morning afternoon day and night calling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: LA
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:
Sent a affidavit of truth XX/XX/XXXX cease and desist 30 days pass never any communication with this bank account over {$62.00} that was fraudulent Identification on XXXX XXXX. Police reported XX/XX/XXXX XXXX XXXX is not responsible for such debt. Stated statue of limitations was violated per 15 USC 1692 ( a ) ( e ). according to 15 USC 1592,18 USC 8. Unfair Debt Practices phone was hung up twice once teller began to get upset with this matter asked to be transfer was given very unfair treatment. My contact information is accurate and in compliance as of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX is the correct account name and address, I signed up for this card and purchased one item and paid it. Next month I didn't use card but Chase sent invoice for service charge of {$13.00}. I don't like service charges for having their card I paid the {$13.00} and wrote note on the invoice and also on my check to cancel the card. Evidently they didn't and sent another invoice for {$13.00} and have continued. 
I have written letters, sent notes but all I get is form note back saying they are investigating. They should cancel all service charges! 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: Merchants and Medical Credit Corporation, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had previously submitted a dispute with Merchants & Medical on XX/XX/2017 in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided which violates the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: FL
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 paid off a collection account in the amount of {$3000.00} on XXXX/XXXX/XXXX. On XXXX XXXX I noticed Equifax was still reporting a balanced owed of {$3000.00}. I submitted a dispute through Equifax. The investigation resulted in the creditor agreeing the account should be deleted from my credit report. I was told it could take up to 30 days for it to be removed. In XXXX, I viewed my credit report again and the balance/account was still included in my credit report. I called Equifax and they said I had to dispute again and that the creditor was responsible for reporting the update to Equifax. I called the creditor, XXXX XXXX, and they informed me they had reported it paid to Equifax. XXXX claimed they never received the data. According to the resolution provided by Equifax on XXXX/XXXX/XXXX, the item in question was to be deleted from my credit file, the same result as the initial dispute. However, the item is still shown on my credit report. 

To date, this item still shows on my credit report. I reached out to Equifax again today and was told I would have to file another dispute. I called XXXX XXXX and they informed me they have reported the balance paid in full to Equifax once a week for the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

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 2021-05-05
Company: Radius Global Solutions LLC
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: Account status incorrect

Complaint:
The problem is XXXX XXXX is reporting my debt as a charge off. However, I have been remitting payments to Radius Global Solutions ( RGS ). RGS is the debt collection agency for XXXX XXXX. XXXX XXXX refuse to reclassify my debt as paid as agreed.

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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have sent multiple letters to XXXX, XXXX, transunion and have also disputed this collection account by the name of the bureaus online and have not been able to delete this account which i have no knowledge of or no contract with. This account The Bureaus has multiple errors reporting as well which ive stated to them before

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 2021-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
My bank account was hacked back in 2018. My bank suspected the fraud and but a freeze on my account. They later mailed me a copy of a fraudulent check that hackers used on my account after getting into my online banking username and password. That account was closed but I had an investigation on it because I had money in my account when this happened. I went back and forth for over a year trying to get information on this and got nowhere over the phone and in person at my local branch. This account and debt from fraudulent activity is now on my XXXX XXXX report. I disputed it with XXXX XXXX. XXXX XXXX never mailed me anything but when I called them to follow up XXXX XXXX is saying the Bank of America verified the account. Just a few months ago Bank of America mailed me 2 checks saying there was an error made by them but this account is still in my XXXX XXXX debt and report.

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 2017-11-29
Company: SYNCHRONY FINANCIAL
State: LA
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:
I never authorized anyone to pull my credit and the inquiries on my three credit report are incorrect inaccurate and want them to be removed from my credit report

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 2022-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
These Inquiries are to be removed they do not belong to me delete these inquiries from my account XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would like to file a complaint with XXXX and Transunion. XXXX  is reporting two bankruptcies on my credit file and I requested for XXXX to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with XXXX at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that XXXX  claims that they called is actually a disconnected number on my credit report. I would also like XXXX to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of XXXX XXXX or XXXX. I am asking XXXX for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with 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 2020-08-20
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: Information belongs to someone else

Complaint:
I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and XXXX refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my rights to have accurate data reported to the CRAs.

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