BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Between XX/XX/2018 and XX/XX/2018 Douglas Chancellor Meyer placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
ON XX/XX/XXXX AT AROUND XXXX I SPOKE WITH A PERSON ON INSTAGRAM THE NAME IS XXXX I WAS TOLD THAT I CAN HAVE AN OPPORTUNITY TO MAKE MORE MONEY ALL I WOULD HAVE TO DO IS SEND A INITIAL DEPOSIT OF XXXX DOLLARS AND I CAN MAKE EXTRA MONEY. THE PERSON PROVIDE ME WITH AN EMAIL OF XXXX, WAS SCAMMED OUT OF {$300.00} DOLLARS, SENT THE MONEY THROUGH ZELLE. TO THE EMAIL. WHEN TRYING TO GET MY MONEY BACK I RECEIVED A PHONE FROM A SO-CALLED MANAGER FROM THE NUMBER XXXX, THEY ADVISED ME THAT IN ORDER TO GET MY MONEY BACK I HAD TO PAY AN ADDITIONAL {$890.00}. THEY PERSON DID NOT SAY THEIR NAME AND WAS ARGUING BACK AND WORTH THAT I HAD TO PAY {$890.00} IN ORDER TO RECEIVE A REFUND. I TOLD THEM IT WAS SEND THROUGH ZELLE SO ALL YOU HAVE TO DO IS SEND IT BACK. I SPOKE TO THE BACK TO REPORT IT, AND THEY ARE NOT ASSISTANCE ANY HELP. I WOULD LIKE MY {$300.00} DOLLARS BACK. THIS PEOPLE NEED TO BE STOPPED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: First Advantage LNS Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Elite Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today : XX/XX/18 I tried to call and resolve my debt and the debt collector was rude, antagonized, and belittled me, and when I said I would review my finances and call back in a couple of days he told me they would mark the account as a refusal to pay and hung up on me. I proceeded to call back and insist that I did NOT want a cease and desist placed on my account, that I wanted to pay it, but needed a couple of days to review my finances to which he responded reviewing finances does not take a few days, the debt is delinquent, and if I was serious about paying it I would pay it now, he then proceeded to tell me not to call back, and hung up on me a second time. I reached out in good faith to resolve this, and was insulted, belittled, and told that I would not be able to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX  XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2019-11-18
Company: Experian Information Solutions Inc.
State: MI
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 RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT EXPERIAN IS REPORTING ANOTHER PERSONS CHID SUPPORT ON MY CREDIT. 

STATE OF MICHIGAN CHILD SUPPORT - DATE XX/XX/2019 - AMOUNT {$830.00} -

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 explanation
Consumer complaint received 2021-02-21
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a Fraudulent company. Name Sequium www.sequium.com has contacted me in the form of an email to try and collect {$10000.00} from me. This is under investigation of 49 attorney general of the school XXXX XXXX University and collection agencies from all over all all trying to extort money from us, This is an 11 year old feud with XXXX this company as no right to send me an email I have no idea where they got my personal information. This issue is also under investigation my the state senator as well. This company has no right to send me anything. I want them added into the lawsuit for trying to collect an 11 year old dispute. They are the 7th company to try this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with XXXX was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( XXXX  ), XXXX XXXX/XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX, AcctXXXX  ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX. Transunion ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX. Transunion ).

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 2020-01-20
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Credit Card Company is inaccurately charging my account from XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX did not preform the scope of work agreed upon, also there was a major discrepancy in the quality of the services. They damaged all my ceiling fans, flooded my house, damaged and painted my appliance. Created a leak from an upstairs toilet due to an incomplete toilet installation. Cut holes in our walls and have admitted that it will it be fixed. Their workers have been drinking on the job. They have left the house unlocked after hours. We have caught places where they skipped painting behind the appliances. They broke a brand new toilet seat. We have corrected multiple invoices as they have billed us incorrectly. They walked off the job and have left us with an answer of no party involved will be happy with the end result, I am not making money on this deal. 

Chase Credit Card will not provide why it is justified to pay XXXX XXXX XXXX XXXX XXXX XXXX. I have asked this multiple times from Chase. Under the consumer protection act this is not an acceptable and a justified charge. As the services were not rendered completely and there is an issue with quality and not proper charges and damage to my personal house caused by this merchant. There is an open liability claim with the merchants insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to an alleged debt owed to ENHANCED RECOVERY COMPANY. OnXX/XX/2021Enhanced Recovery Company illegally received my information without my permission and informed a third party ( credit reporting agencies ) about this alleged debt and such doings affected my credit report negatively. I have never entered into a contract, received validation of this alleged debt through the mail, validated this alleged debt, nor accepted any goods or services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed account with portfolio recovery associates on XX/XX/XXXX and XX/XX/XXXX through the credit bureaus because I didn't recognize the account and both times it came back verified. After pulling all 3 reports I noticed the account was being reported different with all 3 bureaus. I called portfolio recovery on XX/XX/XXXX to find out why was the account was reporting closed and late with XXXX, open and unknown with XXXX   and a totally different account number for XXXX. I was told the account is not closed and the account number with XXXX was inaccurate. I asked them to send information stating when the account was open and closed, when was the last payment made and for how much. I was told they had limited info that they will send and I needed to contact XXXX XXXX for more information. It is unfair and a violation for them to keep reporting and verifying inaccurate information and they won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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 realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
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:
I'm a victim of identity Theft i did not give any Consent to anyone to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that XXXX reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 
I need this information immediately, for my background check to move forward.

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: MO
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:
SOMEONW STOLE MY INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME, THEY EVEN WENT SO FAR TO PAY ON THE ACCOUNTS UNTIL I REPORTED IT TO THE FTC AND THE XXXX POLICE REPORTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED : XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX   OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX USA OPENED XX/XX/XXXX XXXX XXXX  OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX US DEPARTMENT OF EDUCATION OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: SUNTRUST BANKS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX  XXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX XXXX property owner of XXXX XXXX XXXX XXXX XXXX VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX  by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX XXXX XXXX County, VA banking institution is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( recent merger with SunTrust ), XXXX  XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).

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 2021-07-10
Company: EQUIFAX, 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:
These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: LEXISNEXIS
State: OH
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 found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX My full DOB is XX/XX/XXXX my SS # XXXX. Please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage through Quicken Loans on or about XX/XX/XXXX ; LOAN ID # xxxxxxxxxx. Earlier in XXXX, there was a lot of weather related damage to properties in XXXX, XXXX. So, consequently ; our hazard insurance premium for our home in XXXX, XXXX, increased quite substantially. Being in our seventies and on social security, we are used to working with a meager budget. So, to stave off a large increase in our monthly mortgage payment ; we sent in a personal check in amount of {$240.00} for our escrow account to the Quicken Loans payment center ATTN : Escrow Department, at XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX. This amount would cover the increase in premium for XX/XX/XXXX ; hazard insurance premium payment ; and, the other half would pad the escrow sufficiently for XXXX and keep our monthly mortgage payment about what we have been currently paying. We sent the check and cover letter via first class mail certified with return receipt as we could ill afford to have this check lost or misplaced. Certified article # XXXX. According to U.S. Postal records, the article was received by an authorized courier XXXX XXXX - XXXX on XX/XX/XXXX ; at XXXX XXXX local time. The post office sent us back the signed return receipt article # XXXX. On XX/XX/XXXX ; we contacted XXXX XXXX at Quicken Loans to ascertain whether our check amount had been properly applied to our account. We were transferred to a XXXX XXXX in the Corporate offices who allegedly had a team, including two attorneys looking for the check. On XX/XX/XXXX ; she called us to state that they did not locate the payment/check. She further advised us to stop payment on the check ( no offer to defray our expense for that service ) and we could allow them a one time no charge EFT for the amount or we could sent a replacement check to the same payment center address above. This has us extremely upset ( against doctors ' orders ) and financially burdensome and stressful to have to under go this additional processes with some corporate mopes who we probably can not and/or should not trust to electronically get into our bank account to mess things up further for us.

Company response to consumer: Closed with monetary relief