BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin service inc opened a collections on credit report for an XXXX XXXX XXXX account that was paid off in full 2 years ago that showed up on credit reports on XX/XX/XXXX for {$160.00}. I filed a dispute with XXXX who it first appeared on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ENOVA INTERNATIONAL, INC.
State: WI
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 contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra Recovery is reporting an amount of {$1200.00} on all three CB 's since XXXX 2014. I do not and have never had a contract with this collection agency, neither written or verbal. I have called and written them a number of times with no validated response. I was told they collect on behalf of XXXX. In 2014 I was XXXX XXXX and I have never had a loan with XXXX either. We were forbidden to do so. I informed them of that as well and stressed to them the strain that this account is putting on my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NY
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:
I sent letter out XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-06-08
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was hired to collect a debt that is not mine by Pentrick Capital Partners. Neither XXXX XXXX nor Pentrick Capital Partners can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled in XXXX of 2017 and is still shown on my XXXX not paid. The company XXXX XXXX has removed it from XXXX but not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Please refer to CASE # XXXX which was closed by CHASE without any resolution to clear my credit ratings with four major companies. 

My goal for case # XXXX was to make a negotiated payment amount, given the one and a half years invested to find the " loan '' account. I wanted to know how to negotiate to pay off the amount, as well as, an explanation as to why my checking overdraft was listed as a mortgage loan. I do not own property. No resolution and my case was closed. 

What transpired : I was resent a letter from XX/XX/2017. The reissue and XXXX of letter was not necessary, given I had already invested 6 hours in calling the CHASE phone numbers listed on the letter in XX/XX/2017 at which time the contacts ( again ) could not find my account so that I could begin to pay. My financial counselor recommended I file complaint after she, her supervisor and myself spent over a year connecting with a CHASE representatives. 

The last few months have been spent leaving phone messages at XXXX XXXX for : ext XXXX & ext XXXX. I have repeatedly asked for a time I could call them. 

The amount owed is {$1600.00} less fees. 

Chase has not helped me find the " mortgage account '' to pay off or negotiate the amount to clear my credit score. 

Rough itemization of my time invested to make good on my misfiled, lost debt is approximately 50 -  60 hours at $ XXXX/hr {$3700.00} - {$4500.00}. I have a log of my time invested. I would like my {$1600.00} debt cleared off all four of the credit bureaus. I have tried to do the right thing and pay my {$1600.00} debt, however none of the employees I have spoken with can find the account or let me know with whom I can negotiate a revised amount or resolve in another way. 

I am most disappointed by the ineptitude of SALARIED employees, their inability to help me finalize my debt and clear my credit for a new future. My initial debt came from numerous stressful situations surrounding my own health, caring for my mentally ill mother and her untimely death. ( see first complaint letter case # XXXX ). 

My only recourse is to photocopy a year and a half worth of Chase form letters, " documentation '' received and my journal of phone logs to XXXX a package to XXXX XXXX, CEO of JP Morgan Chase for his the executive assistant to " escalate ''. My experience with CHASE will make an excellent case study of the aftermath of mortgage crises, an individual consumer experience. 

Thank you for your consideration. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I received a letter from Phoenix Financial Services alleging that I owed a debt for services rendered on XX/XX/XXXX, seven years ago. The debt was allegedly incurred in the State of Florida. The statute of limitations on such a debt in Florida is 5 years. I gave the letter to my attorney so that he may respond accordingly. 

Today, XX/XX/XXXX, I noticed a missed call from a number which appeared to be a local Georgia number. I called the number back. I did NOT hear the usual " Thank you for calling XYZ Business, etc. ". What I got was a real live man on the other end who asked for me by my maiden name. I replied " yes, that's me but that's my maiden name, who is this? '' to which he replied " Ma'am I don't have time to play charades with you '' and hung up the phone. Not only was his reply unprofessional ( I didn't even know at that time that I was supposed to be speaking with a professional ) but it made no sense. I tried calling back several times to try to find out what this was about and each time the phone rang the person would pick up and hang up. Finally, a woman picked up and identified the company as Phoenix Financial. At this point I was so angry and frightened that I could barely explain to the woman what had transpired with the previous caller. 

The practice employed by Phoenix Financial today was beyond unprofessional, it was abusive. Not only is this company acting outside the scope of the law, but they went as far as to frighten and intimidate me by having an unidentified man call me from a number local to me behaving much like a stalker and not like the representative of any company. What's worse is that the man that originally called me was so creepy and unprofessional that I truly fear what he would do with any personal information he may have on me.

It should be noted that I have monitored my credit closely over the years and have never seen a debt owed to this company on my credit report nor have I ever received any communication, written or otherwise, from this or any other company regarding the alleged debt, prior to XX/XX/XXXX, a date well beyond the statute of limitations for this alleged debt. 

As a XXXX XXXX survivor, I would also like it noted that Phoenix Financial went out of their way to obtain my brand new address and phone number apparently for the sole purpose of deeply frightening me being that the alleged debt has run its limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CORELOGIC 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: Account status incorrect

Complaint:
Once again I am reaching out about CoreLogic Credco. There is blatantly wrong information on our credit file that they arent willing to update saying it can take up to XXXX days to remove - maybe less but no guarantees. I have all of the documentation that I need and XXXX XXXX and each of the credit reporting agencies have been helpful - only after escalating with XXXX XXXX. When there is inaccurate info on a file that can hinder someones ability to buy a home - and potentially end up homeless because of a snag like this - it shouldnt be taken this lightly. I have the case number from someone in XXXX XXXX exec office, they have sent letters directly to Credco to get them removed, but they see no urgency. I couldnt even get to a supervisor when I asked. Was told nobody was in. How can we make sure this gets corrected in a timely fashion so we can get our loan and close on time?

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
It was revealed recently that equifax has allowed, through improper security management, the leaking of personally identifiable and sensitive information about me to unconcented 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the document you sent recently, dated XX/XX/XXXX ( see below ), it states my loan # XXXX that .. my forbearance is about to expire. At the end of the month ( XXXX XXXX ). Really, Loan Care???!!! Look at the 2nd document you generated dated XX/XX/XXXX. In 3rd paragraph, it states both the loan referenced above ( # XXXX ) & # XXXX have forbearance extended to XX/XX/XXXX. So Loan Care, square the XX/XX/XXXX document forbearance expiration with the XX/XX/XXXX documents forbearance expiration dates, for both loans. You waited to generate this letter, dated about loan # XXXX forbearance ending at end of this month, on XX/XX/XXXX & then mailed it. I get it over a week later, file a written complaint thru CFPB, which you blow off & closed without reading. This contrasts to the stunt you pulled middle of last year where you generated a letter, stating my forbearance was ending, more than a month in advance ( it wasnt ). This essentially less than two week notice of forbearance ending vs, previously more than a months warning must be that exceptional service Loan Care keeps harping on. So, Loan Care, which is it??? # XXXX forbearance ends end of this month or as your letter of XX/XX/XXXX states XX/XX/XXXX??? 
Note the enclosed document dated XX/XX/XXXX, 2nd paragraph, opening sentence where Loan Care states .According to our records there is a cease & desist on both mortgage loans ..When there is a cease & desist no mail will be sent out to your address. Really, Loan Care?? No XXXX!!! Well, youre wrong once again. I stipulated quite clearly in previous communication that the cease & desist was pertaining to phone calls & emails and that I wanted only written contact via XXXX. Your company cited that in response & agreed to such. I really dont give a XXXX how you interpret something. What was agreed to in writing is what matters & you are in breach of that. Duly noted, documented for future use. 
This now makes the 7th official complaint Ive lodged against this company thru CFPB. Anyone outside of the Federal government agencies who read this, my best advice is to never do business with Loan Care & if you are then find a different company. Youve been warned.

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 2023-06-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance {$8000.00}.

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 2019-07-19
Company: EQUIFAX, INC.
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX During the shutdowns of Coronavirus I contacted XXXX in XXXX XXXX, California through email as a concerned member that had just been charged a monthly membership of {$20.00}, even though they were closed. I received a reply from the manager that he would make sure that moving forward the account would not get charged and that anything that was owed to me would be giving back to me once the gym opened up again. ( emails are attached for reference ) On XX/XX/XXXX I contacted XXXX by email again, this time for one main reason ; to cancel my membership. I received a bit of resistance from the manager by email, by offering me to instead freeze my account. I was set to cancel no matter what. After that email he also called an old phone number that has not been mine for years and gave information about my account to that person. All this was done knowingly that that person was not me and someone else. I was not happy about that either. I responded back by email saying that I wanted to proceed to cancel my account. After that email was sent I considered it done as there was no other response back from him. This was still during the shutdowns when the gyms were still closed. ( emails are attached for reference ) 6 months later In XX/XX/XXXX I receive a text on this day from an employee named XXXX from XXXX, threatening to send me to collections if I did not pay what was past due. I was shocked to know that Crunch had never canceled my account as requested in XX/XX/XXXX. I immediately contacted them by email. I waited the time the XXXX website suggest to wait for a response and no reply was ever received on my email. I then proceeded to contact them by phone and spoke to an employee at XXXX regarding this issue. She didnt give me any information I requested and she advised to wait to get a call back from XXXX which is the manager ( the one I had communicated by email in XXXX and XX/XX/XXXX ) and not to worry that they were having software issues and that I was not the only one with this past due balance issue that needed to be resolved. Regardless, I waited and no call was ever received from XXXX at XXXX in XXXX XXXX, CA. The customer service I have experienced with them is unprofessional, not returning email messages, trying to understand and communicate and not being able to do so, for a suppose debt that I am sure do not owe. ( text message and email are attached for reference ) On XX/XX/XXXX I received a letter a little late because it was sent to the wrong address in the mail. Its from XXXX collection agency, law firm Aldous & Associates. Stating I owe {$270.00}. This is not correct at all. ( Picture of letter is attached for reference )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below 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 2023-06-13
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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.

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