BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called repeatedly by AMCA in regards to an unpaid medical bill I was not aware of. The bill had been sent to an old address and my name was spelled incorrectly in their system, so the bills didn't make it to me. The only notification I got was that the bill was in collections. I then started receiving daily phone calls from strange numbers with no voicemail messages or identification. I ignored all of these calls, as I always do from strangers without a voicemail, even going so far as to block one of the numbers, only to have it replaced with a new one the next day. When I finally picked up the phone out of frustration, they explained my balance and said I had no option but to pay it ( despite the fact that I was in communication with the insurance company over re-billing ). I begrudgingly set up a payment plan to get the bill off my plate ASAP. Now almost 2 months later, I assume the bill is paid off and done, and I get ANOTHER call from AMCA saying their tech messed up while setting up my previous plan and asking me to set up a new one. So because of their error, my payment schedule has been extended and I had to take time out of my job to set it up. I understand they have a job to do, but one would think they could do it in a professional and timely manner. If there was an error with my payments or the plan I set up, AMCA should be required to alert me immediately so I can remedy the situation, not pass the baton to me 2 months later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
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:
XX/XX/XXXX I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, XXXX and Transunion. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX-XXXX XXXX   XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2019 I received a stack of mail from Chase Banking, with whom I have never done business and do not intent to. Two pieces of this unexpected mail were to activate new debit cards for two fraudulent checking accounts opened in my name without my authorization. Three pieces were returned checks dated XX/XX/2019 from XXXX XXXX XXXX ( routing # XXXX ), which Ive never heard of, electronically deposited to the fraudulent accounts in the amounts of check # XXXX  {$900.00}, check # XXXX  {$750.00}, and check # XXXX {$800.00}. Three pieces were returned checks dated XX/XX/2019 deposited into the fraudulent checking accounts from The XXXX XXXX XXXX XXXX , XXXX  ( routing # XXXX ), with whom I have an optional disability policy, checks were in the amounts of check # XXXX  {$1800.00}, check # XXXX   {$1900.00}, and check # XXXX  {$1600.00}. Two pieces of mail stated that these Chase bank accounts had been blocked and would soon close. I have no confirmation that these accounts have been closed, and no further information was given to me about the application to open these accounts or any further deposits/withdrawals. I have no claim numbers for these companies because this wasn't authorized by me. I studied my credit report and found unauthorized inquiries recently and fraudulent addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've asked numerous times for debt VALIDATION and they will never send me documents I am asking for. What makes things worst before this not knowing of these accounts, my assistant sent out payment to Portfolio recovery in full on both account one for {$11000.00} and another for {$3600.00}. Payment was sent certified mail, it came to my attention when I received a refund check for overpayment on the accounts and they're still harassing me with letters that I owe them, this is absurd. I will attach copies of payments and refund check from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment was made via phone on XX/XX/2018 and my payment was due on XX/XX/2018. The customer Wells Fargo service dept says the payment was scheduled the XX/XX/2018. Therefore the payment was late. I did not schedule the payment on the XX/XX/XXXX. Customers should not be charged late fees when a payment is made before the due date.

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 2018-07-31
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On applying online for an installment loan with SPEEDY CASH on XX/XX/18, I was told to go to my local store in XXXX XXXX CA, which I did on XX/XX/18 ; this after calling the store to inform them that my ID was New York issued with a California address, to which I was informed would be " no issue at all '' for approval. On arrival to the store, low and behold, the staff wasted an hour of my time calling in to their center, informing me that they could not help me in store due to my ID ( which I had explained the issue of in depth before going to the local store ), but that I would be approved via the phone number given my income and other credentials. So, I phoned the XXXX staffed line and the agent pulled me up, ran my information stating that my NY ID would be of no issue, and then stated I was declined with no reason given - but then told me I would " probably '' be approved in store! She stated I would receive decline reasons via email, but the only email I received stated once AGAIN to go in to my store for approval. SpeedyCash has wasted a great deal of my time and money today, and I am in need of immediate assistance from an executive level employee. 

This has been a terrible experience, bordering on what I view to be a scam, as now these stores and agencies have all of my personal banking information, debit card information and ID, only to tell me I was not approved for which is likely the issue with my old NY ID ( I have just permanently relocated to California after a long school stint here and do not have my CA ID yet, though have my vehicle registration and proof of address here in California, which was requested prior to me going in to the store ). 

I am extremely dissatisfied and require immediate executive level intervention to get this loan approved, as stated by staff. I am requesting immediate executive level assistance in aiding me in the approval of this loan. Please reach out to me urgently at XXXX to discuss resolution to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
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:
Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.

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 2019-01-31
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX They reported the collection amount of {$1300.00} to my social security now my credit score is low, now I talked with the financial services of XXXX XXXX XXXX XXXX XXXX MD, His name is XXXX phone number is XXXX and I applied for Finacial Aid and I was APPROVED with 100 % discount and I shouldn't owe anything. So I want all the collection in my credit score to be dispute because this is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.

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 2020-10-10
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: Their investigation did not fix an error on your report

Complaint:
Ive contacted Equifax, XXXX  and XXXX  XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late  payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

EQUIFAX has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Care Credit has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Care Credit has violated my federally protected consumer rights by decreasing my credit limit and increasing my usage to damage my reputation via my consumer report. This is discrimination pursuant to 15 usc 1691. They ruin my reputation according to 15 usc 1692d ( 1 ) and financially injured a consumer by lowering the credit amount also now I have to work more to get the balance down to avoid that high debt to credit ratio by lowering the limit. These are unfair practices pursuant to 15 usc 1692f.

I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.

I would like all payments returned back to me via mailed check and any part of the amount of the credit balance remaining. 15 usc 1666d ( C )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
equifax would not let me get my annual free credit report online nor woul ; d they let me view it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is to inform you that on XX/XX/ 2017 I contacted the collection agency to have them validate the alledge debt till this day I have not received a response, the harrassing phone calls has stopped, the amount that is being reported on my credit report is wrong, it keeps going up and up every month, I would like for them to delete this account from my reports for they failed to provide me with any information pertaining to this alledge debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
JP Morgan Chase Bank, please answer the following questions : 1. ) On XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, JPMorgan Chase accessed information about me through XXXX XXXX XXXX , XXXX. 
*What was the valid reason for accessing my personal information through XXXX XXXX XXXX , XXXX? 

2. ) The Chase Checking Account that was closed recently during XX/XX/XXXX had a routing or XXXX number of XXXX, according to checks and statements provided to me by Chase. 
XXXX XXXX XXXX showed Chase reporting an XXXX routing number of XXXX, before and after I had disputed the XXXX number with Chase. 
*Why do these two routing numbers not match? 

3. ) XX/XX/XXXX, I received a response, from XXXX XXXX XXXX XXXX, to a dispute about information Chase was providing on my report. Dispute case ID XXXX The information Chase had been submitting was deleted due to disputed info being incomplete, inaccurate or unverifiable. 
*Is this true? 

Once again, I have asked 3. ) * questions. 

I will send the CFPB copies of the information I have pertaining to the 3 questions in this complaint, via US Mail, which are the XXXX XXXX XXXX, XXXX reports I've received. 

Thank you for your attention and humbly await your response,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
Found out someone either hacked my email and phone was opening accounts in my name using my personal Information which mustve been stolen and reported to bureaus and put a fraud lock. Also filed report with FTC. I then reported to each company thats was involved XXXX XXXX, XXXX, US BANK AND XXXX XXXX and told them about fraudulent accounts in my name with them. Some were closed but are still reporting and some where not closed and are still reporting hurting my report with missed payments on an account that was opened fraudulently.

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 2021-02-22
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX NMLS ID # XXXX from Amerisave Mortgage Corporation told me and my wife to sign lots of documents online saying my application has been pre-Approved for refinancing my mortgage. He did not provide me any documents what we signed. He made me pay {$500.00} for appraisal fees saying I am not going to loose any money because I am already approved for the loan. After the appraisal he send me another documents to sign. I found this is an initial application for the loan. In short HE LIED me and took all of our confidential information over the phone and in his email saying I can not complete an online application and wasted my {$500.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation