BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY TU/EF WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW XXXX XX/XX/XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, National Credit Systems is holding a collection account in my name without any supporting documentation even after XXXX  disputes, through XXXX. I have requested any and all supporting documents from XXXX and they have been unable to provide any supporting documents even after XXXX  disputes and several hours of phone calls. I have found XXXX representatives to lie directly to me and block my requests for information. This collection account is causing me great harm as it is a housing/leasing creditor class and is preventing me from obtaining housing with my XXXX XXXX. The collection dispute Confirmation number is XXXX. Please help me correct this collection that was placed in my name incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
TODAYS XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2019-02-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.

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 2020-10-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
hello The following is the message I sent to Chase Ink for Business which will also describe my compliant about the company : " Hello, I had made a claim using one of the benefits of my chase card ( extended warranty ) and the claim was denied. 
The claim was originally for a XXXX  that was out of XXXX  warranty ( 12 month ) however as stated in the members benefits page, chase card services is suppose to cover the warranty for an additional 12 months. I had filed the claim at the 20th month period after I purchase the phone, however the reason my claim was denied by card benefits service was because they think it was still within the XXXX   warranty. 
So now I am stuck, when i first file the claim, the service agent told me that that my claim will go through as it was within the parameter of the claim. If i would have known that it would be denied, I would have just out that money toward a brand new phone. 
I have been a chase business card holder for a few years now and I have been a good customer with my spending and my payments, I would like for you as a company to honor your end of the bargain when you offer these benefits to customers or else I don't see a reason to stay. 

Thanks '' I have sent this mail to chase and no reply regarding this issue. Please help Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX  # XXXX is reporting inaccurate information with Experian, XXXX, and XXXX. 

Experian is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

XXXX  is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611

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 2021-10-07
Company: LEXISNEXIS
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:
RE : 2018 Bankruptcy Case # : XXXX I am writing to dispute the following bankruptcy information in my file. Please remove my 2018 discharged bankruptcy information from my credit report. This is a direct violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy, and 15 usc 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. Please delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Placed a check from XXXX XXXX XXXX XXXX into a Chase ATM ( my bank ) on last Friday. Have talked with my employer and XXXX and the check has cleared since Monday. I went into a local branch and called the 1800 number chase provided but they say there is still a hold on the check. I am going to bounce my account if this isn't settled soon. 

Had an account with them 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Southwest Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Recovery Services wrongfully charging me for a debt that is owe on behalf of a LLC. Southwest falsely added me to account as a guarantor. I was not made aware of this until it showed up on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for  other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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:
I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In 2018 I was provided with a Public Service Loan Forgiveness Employment Certification Form which I submitted to the Department of Education/XXXX XXXX I was denied the forgiveness of my loans after 10 years of public service. However, I kept paying the loans. 
Now there's a lawsuit against XXXX XXXX and I need my account to be examined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: DISCOVER BANK
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 status incorrect

Complaint:
In XX/XX/XXXX, I have entered into a debt management program with XXXX ( XXXX ). In order for me to participate in the Debt Management Program, I had to close my Discover Card Account. Discover received a proposal in XX/XX/XXXX and it was rejected by Discover on  XX/XX/XXXX due to needing an increase in payment. Discover then reconvened and with my approval, XXXX sent a new proposal to Discover with the increased payment amount on XX/XX/XXXX, which was approved by Discover on XX/XX/XXXX. During that time frame, Discover was informed that the payment goes on a cycle, and if dropped from the program for non-payment, the client was supposed to receive notice of the drop. In addition, when the payment is received by XXXX, they pay it out to the creditors. Due to Discover 's processing times, the payment would be processed later. 
I was contacted by Discover several times. Each time, I had to make a payment arrangement with them. Discover also informed me that they never received a proposal from XXXX, although they did. Discover has a copy of the proposal. 
During that time, I was reported late in XXXX, XXXX, and XXXX of XXXX. Discover contacted me to XXXX payment arrangements so that the account is not reported negative. Although I made the timely payments, I was still reported late, and it damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was checking my credit report and I see there were a few late payments. This information affected all my credit history. I was paying as agreed all the time. I always responsible and taking care of all of my payments. I believe it was something wrong with the payment system maybe. I would like to ask you to remove these late payments from my credit history. I promise that I will make payments on time. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has been habitually keeping false info on my credit report. There should be no accounts providing serious delinquency. I was recently turned down by XXXX because Experian shows a credit score of XXXX even though equifax shows XXXX and transunion shows XXXX. I have been paying a mortgage for 9 months now with no outstanding debts. Experian needs to get their act together and update my info correctly or I will file a lawsuit against them.

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 2020-10-21
Company: EQUIFAX, 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:
THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Direct Capital
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Date : XXXX Local Time I received the call : XXXX XXXX  Name of the company : Direct Capital , aka Direct Capital & XXXX Their contact # : XXXX There are multiple issues with the call Mr. XXXX XXXX from Direct Capital made today on behalf of their client XXXX. 

He broke the law with Multiple FDCPA violations. 

Lets start with : # 1 ) Communication : a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location. The incoming call was made at XXXX XXXX # 2 ) False or Misleading Representations : The threat to take any action that can not legally be taken or that is not intended to be taken. 
In the call XXXX XXXX in a threatening demeanor said he was going to pursue further litigation, when I asked for their " BAR # '' XXXX XXXX said they had none. A litigating attorney has a BAR #. 
He also failed to recite the XXXX. 

# 3 ) Harassment or Abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 
Mr. XXXX XXXX, towards the end of the call, in a threatening manner said " I wish you the best of luck ''. 

# 4 ) Spoofing : is the act of disguising a communication from an unknown source as being from a known, trusted source. Spoofing can apply to emails, phone calls, and websites, or can be more technical, such as a computer spoofing an IP address, Address Resolution Protocol ( ARP ), or Domain Name System ( DNS ) server .... 
The call XXXX made came from a local number XXXX, I asked for a physical address, he said they are in New York, he provided me with the address of XXXX XXXX XXXX, XXXX NY XXXX. 
Spoofing is used as a form of deception ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
a years worth of collection robo calls to my number. I have excellent credit and have no out- standing debt. genesis debt collection agency out of washington state. a bout a year prior i received messages to my then new number ( still current number ) from a landlord trying to get money, obviously from the numbers previous owner. i do not want to speak to these people since i read much disturbing information about them. plus it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Spoke to XXXX and XXXX at Receivables Management Partners on XX/XX/XXXX. Filed an official dispute of debt. XXXX confirmed all collection efforts will stop until after the debt is verified ( or not ). 

I received 2 calls on XX/XX/XXXX, 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, and 1 call on XX/XX/XXXX.

Company response to consumer: Closed with explanation