BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: COMMERCE BANK
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This has been over 12 yrs tgey kerp selling the accoubt to other debts and harnessing me when i was working ... lieing saying the us Marshals was coming to deal with me about the debt ... causing so much aggravation n harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: NJ
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:
Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CMRE Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from CMRE Financial Services , Inc. stating I owed {$95.00} for services provided by a radiology company. There was no date of service on the bill so I could not verify it was charged to me appropriately. I had received radiology services on a couple occasions and one was my responsibility and one was not. I sent in a protest to the bill and asked for sufficient detail to determine if the charge was fraudulent. My suspicion was that they were withholding information in the hope that I would just pay the amount simply because it came from a collection agency. In their response to my letter they provided the service date which confirmed it was not my obligation. 

I called CMRE to verify that they did withhold this information in their first communication. Before answering the phone they indicated the call was being recorded. My first question to the representative was if I could get a copy of the phone call recording. He indicated he did not know and did not attempt to find an answer. He hung up on me rather than answer my question definitively. I called back and asked for a supervisor. I explained to the person answering the phone ( XXXX ) that I was upset that the initial contact did not include the date of service, but I wanted to give CMRE a chance to explain why they withheld this information, or point out to me if the information was in fact included and I simply missed it. I reached a supervisor and explained this request. Before answering my question he requested some personal information, even though they identified me via phone number and I confirmed it was correct. Before providing the information, I asked the supervisor if, after providing the information, he would be able to answer my question. He would not respond to this query. The call ended. 

I then called the CMRE compliance hotline on their website. A person answered without identifying themselves. It was a simple " hello '' as if I had reached a personal phone line. I called back and was sent to voice mail and the person answering did not identify their association with the hotline. 

This brings me to your board. I'm concerned CMRE is sending out incomplete information in hopes of bluffing people into paying bills. I think you should require CMRE to include all information necessary for their targets to determine if their bills are accurate. I will contact the radiology company directly and inform them that the bill they gave to CMRE was not my responsibility. I also inform them of CMRE 's deceptive billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
There's a charged-off XXXX XXXX credit card account from Midland Credit Management appearing on my credit report. I haven't had a XXXX XXXX account in years. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Trans union, and XXXX preventing me for getting anything approved they saying my social is not who I am I've sent my license and social security card certified mail so I know they have but don't want to remove statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Credit Control, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

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 2019-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter via certified mail to have the XXXX XXXX  account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.

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 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
In the middle of XX/XX/2021 it was made known to me through my XXXX credit monitoring the Bank of America had inquired upon my credit. I instantly reached out to Bank of America directly and advise them that I never inquired with them for anything to do with credit. They advised me that they would look into it and I am in the mortgage industry so I know how all this works I said don't look into it remove it it was not a legal inquiry and I need you to remove my credit immediately. That was 60 days ago and it is still showing on my credit report I need you to get involved to make them remove it immediately this is unacceptable

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 2018-03-18
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: Information belongs to someone else

Complaint:
I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX EQUIFAX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX 8. XXXX 9. XXXX XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Experian Credit Bureau won't diligently and investigate the medical bills I disputed with them multiple times and even provided documentation clearing my name from any medical bills during a XXXX that I was a 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 non-monetary relief
Consumer complaint received 2019-03-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX. 

Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about. 

They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX. 

I called the XXXX number and XXXX XXXX company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed Chace XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. XXXX XXXX hired XXXX XXXX XXXX to call my employer. 

She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager. 

She transferred me to a supervisor named XXXX ( with a XXXX XXXX ). 
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These were also paid off aroundXX/XX/XXXXXXXX and the statute of limitations have expired. I should not have any judgements on me. 

I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer. 

I believe this to be harassment, and the statute of limitations for Virginia has expired. 

While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer. 

I am up for a promotion, and now this looks very badly on me with the multiple calls. 

Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Galaxy Capital Acquisitions, LLC
State: NY
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:
On XX/XX/XXXX I received my paycheck with {$200.00} taken out. Went to payroll and they gave me some kind of statement that I owe money from XX/XX/XXXX. Amount due of debt is over {$13000.00}. I have no clue who this is. Now {$200.00} is being taken out for what debt collection I have no clue. I live paycheck to paycheck and now I'm behind my bills because of this. That's {$400.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CNG HOLDINGS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This balance on XXXX has been haunting me for years. It resurfCed in XXXX of XXXX. At the end of XXXX after reporting it fradulent in XXXX of XXXX, I attempted to contact and negotiate a lower price to pay it off. I do not wish to pay XXXX on a debt that I did not create. At the begining of XXXX I began trying to join the XXXX XXXX. I can not join with this debt weighing on me negatively. I spent 6 months trying to get ahold of the right company. Each number I called was another rabbit hole that ended with them telling me they can not collect on this debt because it had expired. After much research I found out that the debt originated from An XXXX cell phone bill. I have never in my life had a XXXX phone with that service. I have had cable but never a XXXX phone with XXXX. I reported the debt as fraud and it is still lingering. The debt collectors claim that the time for them to legally collect the debt has expired and they are legally not able to take my money and remove this ugliness from my credit. I pay high interest rates and get denied for simple normal coutesies because of this debt and NO ONE will help me settle this issue or even just pay it so it will stop hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Earlier this week, I filed a complaint with the CFPB about Chase Bank not allowing me to make a claim regarding fraudulent charges on my account. Yesterday, I happily discovered that the bank had reversed my charges. I was unable, however, to transfer any of my funds. When I called the Bank today, I learned that my account was restricted and was in the process of being closed. No reason was given. I am currently on XXXX and not only do I desperately need these funds for medication ASAP, but I also have my Social Security check being direct deposited on XX/XX/2019 and it is now too late to change that information. Further, I learned that it might take another week to actually close my account and after that occurred, I would be mailed a check. I am obviously being punished for whistleblowing which is illegal. This is causing a major crisis for me!! Please help ASAP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
USAA credit card division has a collection agency harassing me daily for a phony charge of {$3500.00} for merchandise that USAA has been in possession of for over two years!!!!!!!! 

USAA is full of lying, dishonest, scheming, unprofessional corporate creeps!!!!!! 

ATTENTION ALL MILITARY PERSONAL, PLEASE DO NOT BELIEVE THE USAA COMMERCIALS STATING THEY SUPPORT YOU!! 
THEY DO NOT!!!!! 
THEY WILL STICK IT TO JUST LIKE THEY DID ME!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Universal Finance, Inc.
State: SC
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:
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: AES/PHEAA
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:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION FEDLOAN ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting a hard inquiry on my credit report for XXXX XXXX XXXX dated XX/XX/2018. I have not applied to any credit for XXXX XXXX XXXX. This inquiry is due to stolen identity or other matter not involving me. 

I have reported this problem to Equifax on several occasions and their reply is always that I should contact XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have sent various letters to XXXX XXXX XXXX at that address above provided by Equifax and the letters get returned to me as not deliverable. See attached copy of letter returned to me by the USPS. I have called the phone number above provided by Equifax for XXXX XXXX XXXX and that number is disconnected. 

The address for XXXX XXXX XXXX in Equifax 's hard inquiry is not a valid address according to the USPS and the phone # is disconnected. 

I have contacted Equifax several times via complaints here and via phone and the reply is always the same one as stated above.

Equifax is therefore providing me with FALSE information about the XXXX XXXX XXXX inquiry. Please have Equifax remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CCS Financial Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have credit monitoring and received an alert that there was a collection account placed on all 3 of my credit reports in the amount of {$100.00}. I called Credit Collection Serv to inform them that I had no knowledge of this account and further, that I had never received notification of this account in the mail or otherwise prior to them putting it on my credit report. They told me the account was for an insurance policy with XXXX. I told them I do not have insurance through XXXX ; my policy is with XXXX. The vehicle they told me the policy was for, I do not own. I demanded they remove this notation from my credit report, but they have failed to do so. I am not sure which is more concerning : having a collection in my name for a car that I do not own, or having an account pop up on my credit reports with no prior notification of the account, in violation of the FCRA. This account needs to be removed from my credit reports ASAP as it is currently impacting my ability to obtain credit and is a FCRA violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation