BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
This account was charged off in XXXX and they just charged it off again in XX/XX/XXXX. Plus its a charged off with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: State Finance Company
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: Account information incorrect

Complaint:
Hello. Last year I had gotten a loan from XXXX XXXX.Here in XXXX XXXX tx located at. XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. In XXXX of XXXX. And I paid ot off. I waited a month and checked my credit report. And it was still being reported as open. I called XXXX XXXX spoke with manager and he said he would take care of it .. as of XX/XX/XXXX it was fraudulently sold or sent to a third party collections agency to collect money I had already paid. And now that has damaged my credit score. I have been trying to build up my score for a while and every point taken away counts. Because of this I'm requesting compensation for damages to my credit score and have advised them I was gon na contact an attorney for further info on what I can do about this. And contacted you guys as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have discovered a security flaw in Chase Bank 's online system. I have tried repeatedly to get Chase personnel to pay attention to this, without success. The attached letter explains the situation and provides backup documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NC
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:
These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act 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  has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.

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 2023-04-27
Company: EQUIFAX, INC.
State: GA
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:
In according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXX/DEPT OF ED # XXXX ; XXXX XXXX # XXXX ; XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX # ******** ; XXXX XXXX XXXX # XXXX. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXXDEPT OF ED # 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. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from Experian that there was a new collection item added to my account under XXXX XXXX XXXX XXXX XXXX XXXX, under MRN : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at XXXX XXXX XXXX @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this Medical Center. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this Medical Center, therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed ( XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : XXXX XXXX XXXX  Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : 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 2018-08-28
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'VE BEEN RECEIVING PHONE CALLS AND DEBT COLLECTION LETTERS FROM THIS COLLECTION COMPANY ERC ON THE BEHALF OF XXXX XXXX XXXX I REPEATEDLY ASKED FOR DEBT VALIDATION BUT GOES IGNORED ONLY RESPONSE FROM THEM IS THIS DEBT WAS REPORTED VALID FROM THE ORIGINAL CREDITOR. I HAVE NEVER HAD XXXX XXXX XXXX SERVICE SO THIS IS NOT MY DEBT. I AM REQUESTING DEBT VALIDATION IMMEDIATELY ON THIS ACCOUNT OR REMOVE IT IMMEDIATELY FROM MY CONSUMER REPORTING FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I have called American Express about an account being made without my consent. I even asked the company if they can help remove it. Since that date I have not received any notifications or updates on the investigation. The last thing I heard was that the investigation will take about 30 days. 

Last week on XXXX XXXX in the morning I went to XXXX XXXX to purchase a new car I contacted XXXX to confirm that everything was cleared up before I made any purchases. According to my fraud case specialist from XXXX  the results still showed American Express was still on my credit report. The dept was also XXXX dollars according to my credit report. XXXX  confirmed with me that the account was made from some one who used my Social security number. 

Today at XXXX I contacted the Amercian Express Fraud Department in regards to this case. They have not resolved the isuue. We spoke with XXXX from the Amercian Express Fraud Dep. Again he said it will take another 30 to 60 days even though our case has been put as a priority. 

I need help to resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and 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 2023-04-27
Company: Hollis Cobb Associates
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call at XXXX XXXX from Hollis Cobb Associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. The associates name was XXXX XXXX. He called stating he was calling from XXXX XXXX XXXX regarding a hospital bill. He was not calling from XXXX at all. Once he was giving me the website to make a payment. I realized this was not XXXX at all but a creditor. He then said he was representing XXXX XXXX XXXX. I stated they would call me themselves. I then asked for the location he was calling from. He refused giving me a physical address. He said sorry it was his first day. I then asked for a supervisor. XXXX XXXX then spoke with me and also was trying to mislead me into thinking he was XXXX and there was no physical address to be given. Just a po box XXXX I mention to XXXX he would not want to be seen as a liar and then he gave the address. 

I am sure I am not the first individual they have done this action to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I found an account reporting inaccurate information. This account is reporting on my credit report as XXXX XXXX XXXX Bankruptcy : Please remove this account due to inaccuracy because you are reporting that this account was included in a bankruptcy discharge but there is no bankruptcy reporting on my credit report. 
Please remove this account due to inaccuracy because you are reporting a high balance AND a bankruptcy discharge. As you know both can not be true. If an account is discharged, you can not also report a high balance! 
Identity Theft : Please remove this account due to inaccuracy because I have disputed this item more than 3 times as identity theft and you have never once added that in the comments section of this item. 
Incorrect Account Name : Please remove this account due to inaccuracy because you are reporting an incorrect account name. You are reporting this account as XXXX  XXXX XXXX, Experian is reporting it as XXXX XXXX XXXX. 
Incorrect Account Number : Please remove this account due to inaccuracy because you are not reporting the correct account number associated with my social security number. XXXX XXXX alleges the account opened in my name has an account number of XXXX, you are reporting an account number of 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 2020-12-09
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-10-06
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been with PHH Mortgage for a couple of years now. Their website is awful and not user friendly. There has been more than one instance of signing on only to find the option to make a payment is not avaible. I did contact them once and they corrected the problem. 

The mortgage has now been sold to XXXX XXXX. PHH Mortgage sent me one letter and one email notifying me of the change. On the letter they provided the new servicing information for XXXX XXXX. The account number provided is nine digits. The problem is XXXX XXXX account numbers have ten digits. Now I am unable to access my account through XXXX XXXX  or PHH Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I receive a call from XXXX saying I was past due in my amount, I pay XXXX dollar a months, The reason why I was late on this payment was because my card broke and got it replaced, I had a a temp now, I told the lady that i was going to call back with the car info went i receive the new one so they can setup auto payment again. This lady was so rude she told me, well I dont understand why you can give me the info of the temp card, I told her I dont have it with me and i Dont want to set up nothing with that until i receive the new one, she kept harassing me telling me why dont you just make a payment I told her until I receive the new one and she kept going I told her fine Ill call back with the info. On XX/XX/XXXX around XXXX, this lady called my job for the 3x to speak to me, she was rude to the person who trasfer the call to me gave them attitude, my boss came to me telling me that this lady XXXX was rude and that not like this because is the 2nd time she act this way, I dont understant why she calls my job after I told them not to call my job. So I called them back spoke to XXXX, I told her that I did not want her to call my job especially if she is being rude, she started talking to me rude with a loud voice, I told her that I need to talk to her manager, Her manager was even more rude I explain everything that happend to her and she was like well we are trying to collected our money and I told her what happen and I told her that IA did not appreciate them calling my job and being rude to my manager and she was like well we are allow to call your job even thought I told her dont call them on the 2nd time they did. she was like we need to collect the money and is not fair you get service and dont paid, I told her she doesnt even know why I got service it was because it was a emergency is that that i wanted but I was trying to paid atleast she told me well basically you have taken so long, yes I have with XXXX kids and single mom but Im trying now she kept being more rude and I told her Ill find someone to help me or get a lawyer or something because they will make me lose my job taking to may boss rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Auto Trakk, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made all my XXXX leasing Payments for a total of XXXX. On a car that original price was XXXX. I have over the course of 6 years put almost another XXXX in repairs into the XXXX. XXXX. At this time I feel as though I should not owe anything further. The reason I feel this way is one I was employed with this company for almost XXXX yrs In the XXXX yr period we did not charge for mileage or damage on any leased cars until late XXXX early XXXX. The reason they started charging as the company was in financial hardship due to the down turn of XXXX commercial Leasing. I feel that it is not fair to decided to change what has always been done due to financial hardship. I am asking that all fees be waved due to the nature of never charging for mileage or damage until XXXX. If the are not willing to wave the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Reporting agencies Experian, XXXX and XXXX refuse to remove wrong/incorrect address from report

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the fair credit Reporting ACT XXXX  Account Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-03-12
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2016 the amount of the Debt is XXXX. Talk to a woman 1 time and told her that my insurance paid for that. Even the lady at the office said my insurance was taking care of that. If I would have known that my insurance wasnt going to take care of it I wouldnt have never went through with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation