BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
fidelity capital holdings inc. this is the collection company that handling my case the original creditor is XXXX XXXX.what happen is someone come to my house 2 times but were not home but on the 3rd time she got me its a lady and she told me that shes serving me so she gave me the documents and i told them im not gon na sign for it. but she still drop the documents infront of me and left. so i took the documents and read it .and its said on the documents it was filed in the court in XXXX courthouse and the hearing date is XXXX XXXX @ XXXX ; XXXX XXXX dept.f43 case no XXXX..actually this accounts is really old since XXXX.so what i did is the following day i called fidelity and ask how much did i owe XXXX and one of the customer service told me that its XXXX plus now so i told them why its like that she said because of the interest.i was trying to negotiate them for half of it i will pay but they said XXXX will not be able to negotiate.and they told me i have a house they will put a lien to my house.so idont dont know what to do im thinking ill just appear on XX/XX/2020 and i will ask the judge if he can lower the amount.its good i saw cfpb maybe you can help me and what to do please advise.. thank you so much.. hoping for your earliest reply god bless ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I NEVER OWED A XXXX XXXX OR A XXXX XXXX I NEVER WAS IN AN ACCIDENT ON XX/XX/XXXX ANOTHER XX/XX/XXXX A XXXX AND XX/XX/XXXX I WAS NEVER IN A CAR ACCIDENT ON THESE DATES!! I NEVER OWNED A XXXX OR XXXX... LEXISNEXIS IS LYING ABOUT ME. I NEVER OWED THESE CARS!!! MY CELL NUMBER IS XXXX. LEXISNEXIS HAS REFUESED TO REMOVES THESE LIES ABOUT ME. MY INSURANCE HAS TRIPPLED. THIS IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am XXXX XXXX in the XXXX program. My loans through Wells Fargo are for my XXXX which should be deferred until I graduate in XX/XX/XXXX. Wells Fargo states that i withdrew from the XXXX program in XXXX of XXXX ( which never happened ) they now inform me that my loans are due XX/XX/XXXX, I have made numerous calls to Wells Fargo in regards to my XXXX XXXX status. They requested that I fax my current and previous class schedule which I did, now they want other forms filled out by myself and the school because they do n't know why I was told to send my class schedule. In addition my student loans online state they are in grace with XXXX due, if I have a payment due on XX/XX/XXXX and it 's currently XX/XX/XXXX should n't a payment amount be there?

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2017-07-10
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Saw a massive hit to my credit report with my free yearly credit check. Says Collections ACTIVE. <P/>Date reported is XX/XX/XXXX on the credit report. ( Illegally reporting false debt ) Date on Court documents states XXXX XXXX XXXX. ( I'n my eyes ; Submitting False Evidence ) Debt Collector notified me of intent to collect, I disputed the debt. They claimed it was valid and we went to court. <P/>Oregon Case No. XXXX Collection Bureau , Inc vs Me ( Defendant ) I won in court, having the entire amount dismissed with prejudice. <P/>Now some time has passed and come to find out they violated the FDCPA by reporting to Credit agency XXXX. From case notes provided by Collections Bureau Inc for Case XXXX ( XXXX Oregon ) Collections Bureau Inc Claims debt was assigned to them on XX/XX/XXXX, a day after they reported it to my Credit Agency Damaging my credit. Upon getting notified of their intent to collect I refuted it 's validity and even won in court at a later time. They did not remove their collection notice from collection agencies and illegally damaged my credit rating. Unknowingly I have suffered with a lower credit score that may have affected my purchases interest-rates and that of my student loans seeing they are on variable rates. I contacted Collection Bureau Inc today XX/XX/XXXX, informed them of the situation. They transferred me to legal. I informed legal of the situation and they stated I must dispute the claim if I do not want it on my credit report. Seeing they illegally reported against my credit and refused to take action to remedy the situation ; I am reporting this to Consumerfinance.gov I'n hope to prevent future person ( s ) from having to deal with this agency. <P/>At this point I retain my rights to prosecute for damages or any other issues relating to this case. I 'm 100 % sure if they wish to contact me with an public apology, that they still have my phone number. In the mean time I have disputed the claim on my credit report and hope to see this issue resolved quickly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: VA
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:
Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are the third debt collector to be handling the same debt as mine. I will not pay a debt collector when the original creditor could not provide proof the debt is mine. I do not have a contract with XXXX XXXX and it needs to be removed from all of my credit reports for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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:
Checking my credit report this year I see XXXX inquiries from Auto dealerships in Illinois I did not make ( I do not live in Il, and never have ), on my TransUnion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/2016 I previously received Email requests for test drives as well, and replied to them saying I did not make these requests, but continued to get them. <P/>I also received this email request to XXXXXXXXXXXX Hi XXXX , please click on the blue link below which will take you to our website. You can apply for the mortgage there. Make sure you select me as your loan officer and your information will be sent to me. <P/>Thank you, XXXX XXXX | Mortgage Loan Originator | XXXX # : XXXX XXXX XXXX XXXX | XXXX, MI XXXX Direct : XXXX XXXX | Fax : XXXX | XXXX XXXX XXXX XXXX # : XXXX Which is also fraudulent.

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 2021-10-10
Company: JPMORGAN CHASE & CO.
State: MO
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:
Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. 

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Chase bank received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. 

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim. 


Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, 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:
On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi I bought a new XXXX XXXX from XXXX XXXX financed by XXXX XXXX XXXX as my previous second hand car also bought through them was leaking oil it was a lemon. They rolled the negative equity from the trade in from my XXXX into the new loan without telling Me and also added insurance to the car repayments which I do n't need as I am already insured with XXXX. Now I ca n't afford the car as it is more than double the car repayment I had before. I really needed a car and they took advantage of me at signing with huge auto loan more than double what the car is worth

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX acknowledged in response to a complaint that I filed ( the third such complaint about same issue ) that it owed me nearly {$2000.00}. XXXX replied that it would issue the refund and the person assigned to do so was : XXXX XXXX XXXX Executive and Regulatory Services Analyst. 
Office : XXXX Ext. XXXX Fax XXXX XXXX XX/XX/XXXX, XXXX XXXX sent me a direct email affirming this. 
XXXX XXXX submitted a copy of her message to the Federal Communications Commission as her response to XXXX XXXX. XXXX. 
XX/XX/XXXX, FCC notified me it was closing the complaint. It appeared XXXX was willing to issue the refund to me. 
However, after FCC closed the complaint XXXX XXXX refused to talk with me and put a note on my account that no one else at XXXX was allowed to discuss the matter. I tried desperately to get XXXX to refund the money it owed me before it merged with another company ; but to no available. 
XXXX the merger, I was informed that there was no mechanism available for me to collect the debt that XXXX owed me when it ceased to exist. 
XXXX owed me money. I did not owe XXXX money. This claim from a debt collector is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: ENCORE CAPITAL GROUP INC.
State: IN
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we remortgaged our home with Fifth Third Bank. At the closing we were presented with a mortgage insurance. We were told that this was necessary. Our credit was not bad by any means. But we do own our own business and the debt ratio was a little high. ( we were told ). We were told that the mortgage insurance would drop off at 80 % automatically. Or five years which ever came first. I have called every year wanting to know when that would be and was told not to worry it is automatically. 

In XX/XX/XXXX, after numerous called and was given several different answers, was told that I needed to but this in writing. I immediately did so on XX/XX/XXXX. I called two weeks and was told that they did not get it so I re-sent it again on XX/XX/XXXX. I was told that they would go back and reimburse me. 

I called XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last call I was told I would not be reimbursed and am still getting charged the mortgage insurance to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount Recovery has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX  XXXX XXXX. I have never been to that medical facility. I have contacted this company 3 times and they have yet to respond. Please remove this erroneous collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2019, I applied in store, for a Best Buy credit card. At the store I was not given instant approval. I later received a letter dated XXXX-XXXX-19 from Best Buy credit services, denying credit approval. At the time of application my FICO credit score, as listed with XXXX  and XXXX, was XXXX ( XXXX currently ). Granted this is not an excellent score, it is generally regarded as fair to good. I believe that this snapshot of my credit worthiness, as reflected with a XXXX, should be sufficient for one of the Best Buy credit cards. My full credit report reveals that there are not ANY derogatory marks. My payment history is at 100 % on-time. My debt to income ratio is very good. I have consistent work and address history. When considering the broader credit picture, as represented in a FICO score, I believe I qualify for Best Buy credit. I believed that I was discriminated against based on my older age and that I was treated differently than other, younger credit applicants, with lower FICO credit scores. On XXXX-XXXX-19 I wrote to Best Buy credit services and shared my concerns. I asked them to review and reconsider my application. I received a second letter, dated XXXX-XXXX-19, from Best Buy credit services, again denying my credit card application.

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 2022-02-18
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting on XX/XX/17 and everyday since, I have been receiving calls from this number and the caller ID says it is XXXX XXXX. Normally I just hang up the phone and file a complaint as I am on the Do Not Call registry. Today I answered it and it says we have some important information for XXXX XXXX is this you press 1, so I did and now I find it was North American Credit Service calling about a debt collection and not a Telemarketing phone call I thought it was. To me this is very misleading way to get people to answer phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX store credit card with XXXX XXXX. 

I have incurred several late fees and interest charges over the past year due to late payments. They do not allow auto pay, thus setting you up to forget payment and incur penalty charges. I have a XXXX yr old mother and had events come up with her that caused some chaos. I have several other general and store credit cards and this in the ONLY one that will not accpet automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Receivables Performance Management, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are reported accounts ( original creditor was allegedly ) by the Creditor receivables performance management ( XXXX from here on ) on each of the three major credit bureaus that have not been validated with my correct address, name, or personal information. They are reported with the same owed amount, but have several Non matching dates of being opened. i.e 2 accounts for {$880.00} one opened in XX/XX/XXXX and the other in XX/XX/XXXX. ( One I  've never had, and the other is an amount I 've never owed at all. ) One of said accounts is reported as being opened inXX/XX/XXXX. I have never owned any account, or opened an account with XXXX within the last several years. When attempting to contact them, they say submitting a claim will NOT result in a formal investigation, but will be handed to a creditor who will attempt to find a resolution. I believe they are attempting to buy debts and assign them to whomever they please without due diligence. I have contacted the credit bureaus via certified mail to formally complain and dispute all accounts. They should n't be allowed to do this to people, especially people unaware.

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