BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has repeatedly sent me letters trying to collect a medical debt that is not mine in the amount of {$1200.00} on XXXX XXXX for a person named XXXX XXXX who resides at XXXX XXXX XXXX , XXXX , Texas XXXX. His birthday XX/XX/XXXX. 
His phone number is XXXX. 

This is not me. I have tried to explain to this to the person on the phone with the debt collector agency ( Commonwealth Financial systems ). He was a completely unprofessional and not willing to help me at all. They have even reported it to XXXX. I have excellent credit and this has lowered my credit score. Please help. Not sure what else to do. 

Warm regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX provided by XXXX XXXX. But, not reflected on my account by the three bureaus. 

XXXX XXXX XXXX account manipulated and inaccurate with out proper verification based upon FTC guide line. Proof attached. 

Treasury account also updated and not reflected on my credit bureaus credit profile.

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 2019-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received this a few years ago and was contacted several times. I paid it off bit by bit, and this was fine as of a year or two ago. 

I recently was notified by XXXX XXXX of a derogatory mark, and saw that I have a new debt collector for this debit that was already paid off, and it was for a very small amount ( {$180.00} ). 

So I don't understand why I am being contacted for this AGAIN at a much later time, and then receiving a mark that severely affects my credit score ( down 60 points from the mark. ) I would like assistance in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally I responded to the cable company that this was not my account, that I did not order that service if it was provided to someone, but I did not order. 
Later a collection agency started collecting, I equally replay that it was not mine. 
That agency placed delinquency in the credit bureau and I disputed. 
This was their answer. Despite that, the collectors neither the cable company are able to prove that I ordered that service. 
the following shows it all : From the XXXX  XXXX XXXX XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account Details Account Details Payment Status Account Number # XXXX Name I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX , MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$640.00} Original Amount {$640.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$640.00} Something else : The house at XXXX XXXX  XXXX. in the XXXX is my property, but I am living for several years at XXXX XXXX XXXX XXXX . 
XXXX, NY, 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 2019-06-04
Company: Colony Brands, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was made aware of an account in my married name of in XX/XX/XXXX through the company XXXX XXXX. This is not an account that I opened, I believe it was opened by my ex-husband in XXXX. In XX/XX/XXXX the account showed up on my credit report as a charged off account. I was trying to refinance my home at this time. I called XXXX XXXX and explained that I never opened account with their company, I never received any of their merchandise and I asked for them to provide me the documentation that they used to open the account. They never provided me with any information and they refused to remove the account from my credit report. My mortgage refinance was stuck because of this issue. I then paid off the account despite the account not being mine. I spoke to XXXX who is a customer service representative at XXXX XXXX and she told me that they would delete the account from my credit report immediately upon me paying off the account balance. I paid the account off in XX/XX/XXXX. Since paying off the account I have called every month to get it removed from my credit report as I was told it would be. Today I spoke with XXXX another customer service representative at XXXX XXXX. She was the third representative that I spoke with today. I had to explain my situation three times before anyone would help me. I explained to XXXX that I was told the account would be deleted once the payment was received. She placed me on a long hold. When she returned to the phone she told me the account will be deleted from my credit report 7 years from the date it was reported despite the account being at a {$0.00} balance and despite me telling them that I did not open the account. I also previously disputed the account. XXXX XXXX never responded with anyone to show that this was my account. I paid them off in good faith that they would remove the account like they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
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 non-monetary relief
Consumer complaint received 2023-06-24
Company: Alorica Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 28 phone calls from SST ( Systems and Services Technologies , Inc ) fromXXXX XXXX 2023 until now. From Monday XX/XX/ 2023 until today Saturday XX/XX/2023 I received 21 Phone calls. I have screen shots of the call log as evidence in my phone. I have answered and there is no one on their end that answers. The last time they did this as an attempt to collect ( which I have paid ) the employee was very professional and told me that they will stop attempting to call me. Well that was a blatant lie. I am usually on time with my payments however have fallen on some rough times which was explained previously. SST Maliciously calls and harasses those indebted to the company. I finally called back and told them to quit calling, I was filing a complaint with CFPB and that any further contact via phone I would file a lawsuit for harassment. They continue to call and block up my phone which I use to run my business. 

Call Logs : Monday XXXX XX/XX/ 2023 XXXX XXXX XXXX XXXX ( answered, no one on their end ) Tuesday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX Wednesday XXXX XX/XX/ 2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thursday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXXXXXX Friday XXXX XX/XX/2023 XXXX XXXX ( declined call ) XXXX XXXX XXXX XXXX XXXX XXXX  ( declined call ) Saturday XXXXXXXX XXXX  XXXX ( answered, no one on their end )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've recently sent in debt validation request pursuant to the Fair Debt Collection Practices Act 15 USC 1692g to The Department Treasury collection company and TransUnionXX/XX/XXXX. Both companies TransUnion and Department Treasury has failed to validate the debt that is claim to be owed which is a violation to the FDCPA and FCRA.

Please remove any negative marks from my credit report as it is defamation of character.

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 2019-06-04
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/XXXX American Express Bluebird Debit Card Customer Service reps have been giving me the run around. I purchased this card for {$5.00} in XX/XX/XXXX and used it until just recently for paying bills, online purchases, and direct deposit of my VA compensation check just to name a few. 
My VA check this month was processed on XX/XX/XXXX and received by Bluebird thru American Express National Bank. That check is being held by them and not released to me. I called The Veterans Benefit number today at XXXX and spoke with a representative who helped assist me in my future direct deposits however he told me explicitly that the VA has not received my check back and that it has been in FACT deposited into my Bluebird account. 
The Bluebird representative told me that I was pre-selected to have my account shut down and would give no reason as to why I never received notification that Bluebird was doing this. They are collecting interest on my check that they are are not releasing to me now for at least the last 4-5 days. 
I want my VA check released to me by Bluebird A/S/A/P. I also want the {$5.00} I paid for this card ending in # XXXX refunded to me. I also want refunded the {$5.00} for the Bluebird card I had gotten for my son that never worked ending in # XXXX and also {$5.00} for the Bluebird account I got for my boyfriend XXXX XXXX ending in # XXXX whom no longer wants the card. Furthermore I want refunded the {$5.00} I was charged on top of purchasing these cards each time when I used them for the first time. 
I want refunded a grand total of {$30.00} for my inconvenience. I want the refund based also due in part to the deliberate run around I endured. Reps knowlingly were telling me for days that my direct deposit could take up to several days to reach my account. They knew full well what was going on with my account and lied to me. I want this refund also based upon the fact that Bluebird caused me direct stress and aggravation with their complete lack of customer service and regard for my VA income. Lastly for hassles I have endured causing me to be late paying my bills. ALL due to Bluebirds total disregard of my account and funds due to me from the US Treasury on the first of every month. I never had an issue with Bluebird like this for over 6 years until I recently started utilizing another bank. Coincidence, you be the judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has been trying to collect a debt owed from Me when I do not own not have I ever owned any cats

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 2020-09-12
Company: EQUIFAX, INC.
State: NH
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 claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: NCB Management Services 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 or suggested your credit would be damaged

Complaint:
NCB Management Services representing XXXX XXXX XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XXXX XXXX, 2018 Amt {$3700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Shellpoint Partners, LLC
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: Information belongs to someone else

Complaint:
Checking my credit report from XXXX? XXXX  credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " Shellpoint Mortgage services. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from Shellpoint Mortgage Services ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX XXXX and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of Shellpoint but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My wife and I just applied for a new loan and learned an existing loan with XXXX XXXX was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called XXXX and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called TransUnion and was told I can file a dispute since XXXX reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.

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 2023-08-18
Company: REGIONS FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Our company mailed a check payable to " XXXX '' in the amount of {$9700.00} on XX/XX/23. The check was intercepted and fraudulently cashed at a Regions Bank on XX/XX/23. We discovered this on XX/XX/23 and notified our bank ( XXXXXXXX XXXX  XXXX. ) and had our payee sign an Affidavit of Forgery. XXXXXXXX XXXX  then " filed a claim '' with Regions bank and requested that the monies be reimbursed. After 90 days, Regions Bank finally confirmed that it was fraudulently cashed. The monies still have not been reimbursed by Regions Bank. XXXX XXXX  continually follows up with Regions and checks the account to see if the funds have been reimbursed and can not get a resolution to this. I am submitting this complaint to try to get help receiving our funds back.

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 2018-12-20
Company: EQUIFAX, INC.
State: UT
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 been trying to dispute this one student loan at least 7 times in the last 3 years they have a master promissary note that does not have my signature on it it was forged also the loan was given under false pretenses the school assured me they were accredited and the credits could transfer anywhere they lied the credits are no good at any other school they shut down and being 3 credits away from my degree I have to start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2019-03-08
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
GM Financial Leasing, XXXX. XXXX XXXX, XXXX, TX, XXXX, phone number ( XXXX ) XXXX was paid off in full for what we owed under account no. XXXX for a lease on a new XXXX XXXX. They were paid in full because the car was totaled in an accident. They were owed {$17000.00} and they were paid {$20000.00}, and they were supposed to refund {$3100.00} to us. They were paid about XX/XX/2019, and said they requested that a check be sent to us for {$3100.00}. But when we did not receive the check, we called and we were told that there would be a 30 to 60 day delay in sending the check to us. They could give us no good reason for such a delay. We would like to have prompt payment of what they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ChaseMortgagehasautomaticallydeducted2mortgagepaymentsfrommyXXXXXXXXcheckingaccountwithoutmypermission.Iamnotsetupuponautomaticpayments.IdidnotauthorizethemtodeductandIamcurrentonmyloan.

Company response to consumer: Closed with explanation