BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: Glasser and Glasser, PLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. Glasser and Glasser needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and XXXX  That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: STERLING JEWELERS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Kay jewelers erroneously reported 30 day late for XX/XX/2020 which was due to covid19 disaster. I didn't receive payment voucher, tried making pmnts online and via phone all with no avail due to their staff shortage .... Later, Kay stated they were NOT going to report any lates, however they did .... It has damaged my credit and this late is not due to my fault or negligence. Kay jewelers was supposed to follow CARES ACT rules and regulations and NOT report this as derogatory ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Ocwen Financial Corporation
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:
My XXXX Credit Report XXXX PHH Mortgage reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX in XX/XX/XXXX and XXXX XXXX XXXXXXXX ( XXXX ) credit card and line of credit home equity serviced by XXXX was discharged. However the lien was placed on the house. Later XXXX sold the lien to XXXX XXXX ( the current lien holder ). 

The XXXX XXXX XXXX XXXX ( MCM ) sent out collection notice on the behalf of XXXX XXXX XXXX during XX/XX/XXXX. On XX/XX/XXXX, I contacted MCM and spoke with XXXX XXXX at XXXX ext XXXX. XXXX XXXX told me the settlement of {$5800.00} if I pay now will result in removal of lien. On XX/XX/XXXX I paid the agreed amount with understanding that the lien will be removed. 

On XX/XX/XXXX I contacted MCM the status of lien removal from the property and the consumer support at ext XXXX told me of my payment was for the discharged credit card in bankruptcy and has nothing to do with the property lien. MCM representative lied to collect on already discharged debt in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: Early Warning Services, LLC
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 status incorrect

Complaint:
I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. 
I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX XXXX XXXX and XXXX. 
I'm asking for a resolution, to help me out to be able to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Diversified Consultants, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultant continued to report this as collection to the credit bureau. This account they are trying to collect has been already closed with the original creditor. This collection company is still trying to collect this so called unpaid debt without verification with the original account. Collection agency can not show any verification or validation that the account is valid for collec tion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: MD
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 XX/XX/2018 " XXXX XXXX XXXX  '' ran my credit using a hard inquiry. 
Someone has been using my social security number and identification to apply for credit that I did not authorize or know about. I did not apply for anything on this date for this company. 

On XX/XX/2018 Equifax customer service told me that they could not and would not file a dispute for this hard inquiry that I did not authorize. And that I would need to have " XXXX XXXX XXXX '' contact Equifax directly and instruct the company to remove this hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report on XX/XX/XXXX, I noticed information for Portfolio Recovery in the amount of {$1100.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Between late XX/XX/XXXX and early XX/XX/XXXX I made XXXX ( XXXX ) payments to a scammer posing as a legitimate booking agency by the name of XXXX XXXX ( XXXX ). One payment was in the amount of {$500.00} for the company to book paid live performances for me which never occurred along with a second payment of {$400.00} for XXXX XXXX XXXX to book a photographer for press photos which never happened as well. 

I attempted to reach out to XXXX XXXX  ( XXXX XXXX ) multiple times in order to receive a refund to which they denied the request. I reached out to CashApp and filed a fraud report to which they stated they will not retrieve the payments. I attempted to file a police report but without an address I am unable to legally serve XXXX of XXXXXXXX XXXX XXXX to take him and the XXXX XXXX to court. 

CashApp ( XXXX XXXX  ) is enabling and assisting in illegal ( fraudulent ) activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I turned in my vehicle in XX/XX/XXXX at the end of my lease term and was aware that I had mileage overages that I would be responsible for as well as some sort of " restocking fee ''. 

Come late XX/XX/XXXX I realized I had yet to receive a bill and proactively called Chase Auto Finance where I was informed that I owed {$2200.00} and I should have received the bill weeks earlier. I asked for the bill to be resent so I could review the statement. In this process we found out that they had an old billing address. 

I always keep my billing address up to date on my credit accounts. My Chase account that I paid both my Auto Loan as well as a credit card I have with them, was up to date. It turns out my Chase account billing address online only pertained to my credit card and not the auto loan. I'm not sure how I was supposed to know that. Logic would suggest if I view and pay my bills through one Chase account, that if I update the main account billing that it would reflect across my accounts. 

Nonetheless, we corrected the address in their system and weeks went by where I received 2-3 " change of address '' confirmation letters but never received the bill. I asked them if they could email me a copy and that I would be happy to resolve it if I could see the bill, which they said they were not able to do - it had to be done through mail. They couldn't explain why I wasn't getting the bill and eventually just turned my account over to XXXX XXXX for collections. 

The only logical answer to what was happening here was that they corrected my billing address which auto-generated the " change of address '' letters that I received, but the change never reflected to the actual bill. The Post Office isn't a complicated organizational operation and if I was receiving the " change of address '' letters, there's not reason I wouldn't also be getting the bill if they'd corrected it internally. 

I raised this issue with XXXX when they called me in XX/XX/XXXX and they were finally able to get me a physical copy of the bill. I received it 5 days ago and paid the balance in full today. 

I see this as an unfair practice on behalf of Chase of an online process that's not transparent, and an internal operational billing issue that I shouldn't be penalized for. As a matter of fair practice, it's not fair to expect someone to pay a bill over {$2000.00} without them being able to review the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Debt was signed in Colorado with original creditor. Then, all of a sudden a company cal led Midland Credit filed  a judgment against me and sent a process server to knock on my door at my current residence in Florida at  XXXX  on a Saturday and made a ruckus with my roommates by doing so and posting threatening notes on our door. Unlawful practice needless to say. Secondly, I was never given the opportunity to resolve the matter with the company directly before they filed the judgment in the state where I currently reside. I am currently unemployed and can not pay the debt in full at this time. I am willing to work on a lower number or payment plan with them but ONLY if they remove the judgment that they filed against me in  XXXX   XXXX   XXXX , Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: AR
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:
Hello, Ive mailed letters to XXXX, XXXX, & Experian in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I filed a dispute on my XXXX  XXXX  card because XXXX took the money from the wrong form of payment. Chime denied the claim and I moved on not thinking anymore about it. Continued paying my monthly bill like normal. On Thursday XX/XX/XXXX I went to pay my bill and noticed it was for 2 months instead of XXXX. When I contacted XXXX they said in XXXX a payment was reversed so I needed to pay that months bill as well. They sent me a screen grab of the reversal. I have talked to XXXX different people at Chime about this. They submitted a rebuttal to the investigation team and it was denied again. I emailed them what XXXX  sent me and I keep getting told NO. I have to repay the bill they took the money back from but still have not received any of the money they requested back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went into forbearance a the start of the COVID outbreak in XX/XX/XXXX. I told Ameris Bank that I would be ending the forbearance period at the end of XX/XX/XXXX. I choose to tac on the missed payments to the end of the loan, deferring payments. I was approved by all internal to Ameris Bank checks and audits by the end of XX/XX/XXXX. My account however, is still being managed by the loss mitigation department because there is an internal IT glitch where " the system '' is not recognizing that my account is no longer in forbearance. 

It has been more than 7 months XXXX XX/XX/XXXX XXXX since all steps to remove the flag on my account has been completed and my account is till not available for automatic payments and the information that I receive online is still inaccurate. 

I have reached out to Ameris Bank to address this issue every month to get an update. There is no update. I have emailed multiple times directly to their loss mitigation team email account and through the online account " secure messages '' system. Both emails have gone over a month without a response. 

This is very clearly, by Ameris Bank 's admission, an issue with their system not updating a flag in their database. This is something that they have mentioned was refreshed to help others in a similar position on XX/XX/XXXX that did not work for my account. There have been intimations that there is the ability to manually update the account on the back-end, which as a manager for a software company, I can say with 100 % certainty could be done if they escalated this issue sufficiently, yet they have not done so. I can also say that a batch run to update multiple accounts similarly situated should be more than feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
Ive submitted a complaint to Equifax commercial disputes on XX/XX/XXXX about them reporting the incorrect business name. Ive emailed daily no response Ive called daily to get out of country people who can not help or answer any questions Ive emailed Equifax commercial disputes they never reply or keep you updated on the process Ive been stressed for weeks over this is in professional I shouldnt have to beg for Equifax to do a job they are being paid for Ive also made orders with vendors that report to Equifax and they have not updated any of this to the report I have four vendors since XX/XX/2022 and not once did any appear on the report Ive confirmed all vendors are reporting the correct information but Equifax hasnt reported My correct business name is XXXX XXXX XXXX XXXX XXXX, XXXX the XXXX fictitious name is XXXX XXXX XXXX XXXX and reflected on the report which is cause info the issue Update my report name to XXXX XXXX XXXX XXXX XXXX, XXXX as reflected on all my vendors XXXX and XXXX XXXX XXXX Equifax do the job your getting paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX   collection  account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief