BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: Allied Collection Services, Inc. (Nevada)
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2019-01-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, XXXX  or Equifax in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSWORLD SYSTEMS INC
State: PA
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've disputed this debt and received nothing in response. This is a violation of the FCRA and FDCPA and warrants the complete removal of the account from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the company not to pull money out my account on multiple phone calls. I sent them emails stated not to do so. I even placed a stop payment on my account. They keep calling me from a new number every day multiple times a day. Leaving voicemails. They fill up my voicemail box every week. Im going to sue if they do not get stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These items reported by Capitalone Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to XXXX Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from Capitalone dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on Capitalone is lowering my credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a Capital One card that is reporting to my credit as an " Authorized Account ''.

I have no knowledge of this card, i have called the company several times including today and they said they could not help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Paypal Holdings, Inc
State: FL
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 do not have access to the dates the incident took place since it was logged in my PayPal account that has been terminated by PayPal. Approximately two years ago, I discovered fraudulent activity on my credit card. The charges were made to XXXX XXXX through my PayPal account. PayPal issued the charges to a credit card I had linked to their service. There were several small charges for less than {$1.00} ( XXXX ) and then I had larger charges following. 
I contacted XXXX about the charges and was informed I must have shared my credit card information. The gentleman then told me they would conduct an investigation and contact me with the results. I contacted XXXX once again and was informed that they could not find any fraudulence. I also wanted to know what the charges were for and that could not be answered. I was told the charges looked to be for games due to the amounts of the charges. I contacted PayPal for  a refund of my money and they issued me a refund, but after their investigation, they wanted to be refunded. I am now in collection over fraudulent charges to my account to the amount of {$230.00}. 
I am frustrated that XXXX is unable or not willing to look into who received the charged items!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for security service at XXXX XXXX XXXX XXXX XXXX, TX it was a temporary installation on a new construction that did NOT have a contract on. I spoke with the XXXX  representative that insured me that I did not have to sign a 3 to 5 year contract it was only a month to month. The rep did state that this was not the normal policy and that permission was granted from the supervisor. I canceled service in XX/XX/2019. XXXX  is currently trying to recover payment for early termination of contract. I've disputed this with XXXX XXXX  XXXX XXXX XXXX CORRESPONDENCE CANCELLATIONS TEAM XXXX. I have also requested a copy 's of both the docusign. The first one was not correct the second on XXXX refuses to give me. The licensed rep is XXXX XXXX XXXX. 1ST DOCUSIGN XXXX 2ND DOCUSIGN XXXX. The first docusign was voided. 

I would like XXXX and Credit Collections Services to cease and further collections on this account and bring my current collection account of XXXX to a balance of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my existing VA mortgage with Quicken Loans/Rocket Mortgage. They kept me waiting for 3 months after requesting that the VA provide them verification of my eligibility ( even though they knew my present mortgage is a VA loan ). I even submitted a letter from my commander on unit letterhead verifying my eligibility, but they still insist on waiting for the VA to confirm eligibility. The VA has done nothing to help me and has not responded to the request for confirmation of eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONTRACT CALLERS INC # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well XXXX 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to New York City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I lost my pin to unfreeze my account. I was quoted a cost fro Experian to unfreeze. I agreed, they were to overnight me the info needed to unfreeze my account. Instead they charged my card more than quoted, sent me a credit report instead. Something I could get for no charge. I called back, they charged me again. When I asked about getting a refund, they said I needed to start an investigation. Here are my questions/problem : 1 )  why did I need to start about five investigations, all which were never investigated. 
2 ) why did Experian refuse to return my money when they admitted it was there mistake? 
3 ) Why on multiple calls, was I blamed for the failure of the investigations when I did exactly what I was asked to do 4 ) why was I threatened by Experian when I stated I would dispute the charge because Experian refused to follow up on any of the investigations I requested. 
5 ) why when I asked what federal agency polices ( not that this division of the government polices a thing )! was I directed to the wrong agency Experian would go along way by answering those questions. But they wont. You know it, I know it, they know it. 

The government will not force them to respond.

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: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In approximately 2014, Wells Fargo appears to have fraudulently and criminally opened 5 accounts in my name. I filed a complaint regarding these accounts with Wells Fargo and also CFPB when the Agency was first established. 

I spent an enormous amount of time attempting to fix Wells Fargo mistake and stop the identity theft and protect my Family. 

I am now spending even more time on this issue and it appears Wells Fargo is attempting to force me into Mediation. WF refuses to link my actual address to my complaint. They continue to use an address where I have NEVER lived! I have called numerous times and have written to them to fix these additional Wells Fargo 's mistakes. They refuse. 

At one point they said I accepted Mediation. I have not accepted Mediation and asked them to send me a copy of the acceptance form, which they refuse to do. Depending on the Wells Fargo 's Financial recompense offer to me, I may accept. However I am getting fatigued with them hassling me and it is affecting my health. 

I have many recordings from the conversations above. I am shocked at Wells Fargo 's incompetence when dealing with my Case Number XXXX. 

Thank you CFPB for helping all the folks deal with these banks, etc. 

V/R, 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 monetary relief
Consumer complaint received 2021-08-12
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: JPMORGAN CHASE & CO.
State: TX
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 missed the payment for XX/XX/2020 as was unable to contact the bank ( J.P Morgan - Chase ) over the phone as I was on Furlough effective XXXX XX/XX/2020. However I paid the pending payment in XX/XX/2020 and currently current on my account. 

I spoke to the bank in XXXX and they waived off the late fee, However the bank report the the late payment for XX/XX/2020 on XX/XX/XXXX which bought my credit by more than 100 points. 

I spoke to the Chase Morgan and they raised the order but after 4 days waiting period the bank refused the repair the credit score as they stated they did fair reporting and got nothing to do with Covid problem and got nothing to do with what the US government assurance and legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ERC debt collection company is reporting this account to my credit report stating that spectrum has told me that I owe this debt. However this was a result of Identity Theft that has been tied to police report number XXXX in XXXX County Indiana. I have since completed the proper paperwork with spectrum for them to hand this account but I would like for this to be removed from my credit IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
DECEPTIVE ( UN ) TRUTHFUL CREDIT LENDING STATEMENTS. MADE TO APPEAR LIKE ADJUSTMENT PURCHASES ( - ) with cute minus signs all listed above the total line are included in this figure. ( ** THEY ARE NOT INCLUDED IN THE TOTAL CREDITS APPLIED LINE UNDERNEATH ALL THE AMOUNTS LISTED ) ** They are LISTED ONLY See attatched USAA XX/XX/2019 Statement. Kindly Note the adjustment purchases temporary fraud credits NEVER ARE INCLUDED IN TOTAL CREDITS GIVEN they total {$1.00}, XXXX and ONLY {$910.00} Total Credits APPLIED ** USAA TAKES CREDITS NEVER PROVIDED. see. XXXX TRANSACTIONS card XXXX SECURITY ADJUSTMENT ( OF ) REVERSED CREDIT {$120.00} & $ {$210.00} = ( {$340.00} TAKEN BUT USAA NEVER GAVE ) then TRANSACTIONS card XXXX XXXX SECURITY ADJUSTMENT ( OF ) {$12.00}. & {$110.00} TAKEN NEVER GIVEN USAA REVERSES CREDITS NEVER PROVIDED. Kindly Note USAA CREDITS NEVER APPLIED DECEPTIVELY MADE TO APPEAR AS CREDITS PROVIDED = All USAA adjustment purchases ARE BOGUS Kindly Note ONLY {$910.00} TOTAL CREDITS APPLIED ( {$1.00}, XXXX CREDITS DECEPTIVELY HIDDEN INTERNALLY & MISSING {$1700.00} USAA CREDITS. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: MO
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 disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX, and Experian are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, XXXX, and Experian!

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 2018-06-06
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: Account status incorrect

Complaint:
XXXX, Experian, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.

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 2017-12-08
Company: Navient Solutions, LLC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have just completed a chapter XXXX bankruptcy and it was discharged XXXX/2017. The case was completed and is closed. Navient are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to XXXX and wont updated it.

Company response to consumer: Closed with explanation